No Exam Life Insurance

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

Get quotes from the top companies by phone or email!

Name
First Name:
Last Name:
Insurance Requested
Amount Requested	Select Amount Burial, 5000 to 25000 50,000 100,000 150,000 200,000 250,000
Purpose:	Select Purpose Family's security after death Replace Existing Insurance Supplement Policy from work Payoff Mortgage and Debts Child's Education Estate Planning/Taxes Build Cash Value
Personal Information
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Health Information
Height 4 5 6 7 ft 1 2 3 4 5 6 7 8 9 10 11 in Weight lbs. In the past 12 months have you used nicotine or nicotine substitutes in any form. Select No Yes Call us toll free at 1-888-394-0971 to confidentially discuss your situation. Comments: Please add your comments or questions here

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.

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.

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.