How to Get life insurance without Medical Questions
Are you looking for life insurance coverage you can purchase without having to answer any questions about your health?
If so, it may be easier than you think to get the life insurance you need.
However, before you start you’ll want to learn about the different types of no medical questions life insurance plans available.
The two basic types of no question life insurance plans are:
Before we go any further, you’ll want to consider what is the goal for your life insurance policy, what do you want it to accomplish?
Next, consider how much life insurance do you need?
The answers to these two questions will help you to decide which type of life insurance no medical question plan may be right for you.
Next, let’s take a look at an overview of both types of plans:
Guaranteed Acceptance Life Insurance
Guaranteed approval plans offer a limited amount of life insurance coverage, usually up to $25,000. And, the death benefit is a "graded benefit" which means you do not have immediate full coverage. After you have been insured for 2 years, you have full coverage.
In addition, you need to meet the age requirement to be approved for a guaranteed plan, which is usually age 45 to 75, age 40 to 80, or age 45 to 85.
Accidental Death Insurance
These plans offer up to $1,000,000 of life insurance coverage with no health exams and no health questions asked. If you meet the age requirements, you are guaranteed acceptance.
However, the death benefit is only paid out if the insured dies as a result of an accident. This type of life insurance plan does not cover death resulting from old age, natural causes, or health problems.
Life Insurance Quotes with No Medical Questions Asked
Top Pick – United of Omaha
United of Omaha offers guaranteed acceptance whole life insurance for people age 45 to 85. Choose $3,000 up to $25,000 of coverage. Rates start as low as $8.80 per month. There’s no medical exam and no health questions. You cannot be turned down. You can get a quote and apply online now. START HERE to get a FREE Quote.
Life Insurance without Medical Exams
Top Pick – Globe Life Insurance
$1* Buys $100,000 Globe Life Insurance
• Coverage for Adults or Children
• No Medical Exam. Just a Few Y/N Health Questions
• Free Information. No Phone Required. No Waiting
Buy Direct. Monthly Rates as low as $3.49 for Adults/$2.17 for Children.