No Exam Life Insurance

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No Medical Exam Life Insurance

No medical exam life insurance is available from several excellent life insurance companies. 

Most "no Physical Exam Required" policies provide the same benefits as plans that do require a medical exam. 

For most people that qualify for these no exam life insurance policies, the costs are higher then a fully underwritten life insurance policy.

However, they do not require that the applicant experience an invasive medical exam that includes being stuck by needles and being required to provide other bodily fluid samples.

No exam life insurance policies that provide a full, immediate death benefit are still fully underwritten by the insurance company. 

This means that the plans pay the full amount upon death with no waiting period. 

It also means that reviews of your medical history, driving record, and pharmacy records are done prior to approval.

The full, immediate death benefit plans therefore are not normally approved for people with serious health issues. 

These policies are not guaranteed to be issued.  You must qualify even though an exam is not required.

Who offers these no exam policies?

RBC Insurance/Liberty Life - up to $250,000 when purchased with an  agent via telephone, must be age 60 or younger, instant approval possible.

RBC Insurance/Liberty Life - up to $150,000, no agent contact required, must be age 60 or younger, instant approval possible.

NOTE: RBC Insurance will only allow you to take out 1policy.  

Fidelity Life -Purchased by phone, 3 to 5 day approval

Issue Ages Minimum Maximum
16 to 45 $50,000 $300,000
46 to 55 $50,000 $200,000
56-65 $25,000 $100,000
66-75 $10,000 $  25,000

Guarantee Trust Life - up to $250,000 if you have refinaced or bought a home in the last 2 years, otherwise maximum of $100,000.  Available thru age 65.  No agent contact required, 1 to 4 weeks issue time.

Shop several companies

OR

Buy directly from Liberty Life. (No agent contact required)

No Exam Life Quote Form

Get quotes from the top companies by phone or email!

Name
First Name:  
Last Name:  
Insurance Requested
Amount Requested
Purpose:
Personal Information
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Address:
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Health Information
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In the past 12 months have you used nicotine or nicotine substitutes in any form.

Call us toll free at 1-888-394-0971 to confidentially discuss your situation.
Comments:

This form is not an application.  Age, Gender, State, Tobacco use, and height and weight are needed to prepare your quote accurately.  Personal information is required so that we provide this service only to those consumers willing to be contacted by us.  None of this information is sold or distributed to anyone outside our agency.  See our Privacy policy for more details.

Globe Life - up to $30,000 of whole life insurance with no exam.  Instant approval possible, no agent contact required, although we can submit the application for you if you wish.  Call 1-888-394-0971 for this service.

For those people with health problems Fidelity Life and Presidential Life have graded death benefit no exam life insurance policies.  Fidelity's plan requires that you answer a few simple health questions.  Presidential's plan has no health questions but is only available to people over 39 1/2 years old.

Buying Life Insurance with No Exam

Complete the form above to get rates for plans that require an agent to process your application.  You may also want to complete the form so we can review all your options, including those life insurance plans where you can apply directly with the company.

In summary, both Globe and RBC/Liberty Life offer direct purchases over the Internet with no agent contact required.  No exam life insurance quotes for  the RBC Insurance $250,000 plan , Fidelity Life, and the guaranteed issue Presidential Life quotes can be obtained by filling in the form.

 Thank you for visiting our site.  Please feel free to call us directly at 1-888-394-0971 if you have any questions or concerns we can assist you with.

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  Top 5 No Exam Life Insurance Companies

Liberty Life $250,000 maximum program

Liberty Life $150,000 no agent needed

Fidelity Life

Guaranteed Trust Life

Presidential Guaranteed Issue program

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