Instant Life Insurance

How Can I Get Instant Life Insurance Coverage?

A medical exam is usually required in order to get approved for a life insurance policy. But, it is possible to get term life insurance without taking a medical exam, just answer some health questions.

If you are healthy, you may qualify for instant term life insurance today.

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There are advantages and disadvantages to both types of life insurance policies.

The advantage of taking a medical examination is that it may save you some money on your life insurance policy. If you take a medical exam, the insurance company can choose the best health class for your policy. So you get the lowest rates that apply to your actual health.

Instant Term Life Insurance is the easiest, most convenient policy for most consumers. But, these policies may cost more because of the higher risk shared by all policies holders.

The life insurance company develops the rates based on an average risk, since without a medical exam they don't know the exact health of all insureds.

You may qualify for up to $1,000,000 of Term Life Insurance with No Medical Exam required, just some health questions.

You can apply for coverage and get approved today (if qualified).


Top Pick – Haven Life

  • Get up to $1,000,000 of affordable term life insurance today
  • Apply online in under 20 minutes, start coverage today
  • Backed by MassMutual, rated A++ by AM Best

Haven Life uses the information provided in your application to make an instant decision on your application. Healthy, qualified applicants (based on the information provided in your life insurance application) can be insured immediately with no medical exam while other applicants can receive immediate coverage pending a medical exam.


Highly Recommended – Globe Life Insurance

$1* Buys $100,000 Globe Life Insurance

  • Coverage for Adults or Children

  • No Medical Exam. Just a Few Yes/No Health Questions

  • Free Information. No Phone Required. No Waiting

Buy Direct. Monthly Rates as low as $3.49 for Adults/$2.17 for Children.



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