Term Insurance No Physical

Are you looking for a quick and easy way to get the life insurance protection your family needs without the delays and hassles of a physical exam?

If so, term insurance with no exam can help you accomplish your goal.

 

What is Term Insurance No Physical Coverage?

It’s temporary life insurance for a period of 10 to 30 years, which does not require you to take a physical exam to get insured.  

It’s a quick and easy way for you to get affordable life insurance protection for your family and start your coverage today.

Get a Free Quote

  

What is Term Insurance?

It’s life insurance that provides coverage for 30 years or less. The "term" is the duration of time you have life insurance. It’s the most affordable type of life insurance available.

 

What is a Physical for Life Insurance?

It’s a medical examination of the applicant for life insurance coverage. Although some insurers may require a full doctor’s check-up, most are just a short 15-minute exam performed on behalf of the insurance company by a paramed examiner.

These exams may include checking your blood pressure, asking some health questions, checking your eyes and ears and taking a blood or urine sample.

 

The Benefits of No Physical Term Insurance

There are several benefits to purchasing a no exam term life policy:

  • Instant Issue Life Insurance Coverage
  • Choose from $50,000 up to $1,000,000 of Affordable Life Insurance
  • No Delays – Same Day Approval
  • No Hassles – No Exam, Just Some Health Questions Asked

 

The Drawbacks of No Physical Term Insurance

  • Coverage Amount Limited to $1,000,000 or less
  • Rates May be Higher Than Life Insurance Requiring an Exam

 

How Much Life Insurance Can You Buy Without taking a Physical Exam?

It depends on your age and health, but one A++ rated life insurance carrier offers up to $1,000,000 of no exam life insurance, if you qualify.

And, if you need more protection, you can purchase no exam coverage form more than one insurance company.

 

How Soon Can You Start Your No Exam Life Insurance Coverage?

There is one insurer that offers coverage in less than 1 hour.  You can request a life insurance quote, apply online in about 15 minutes and then find out in as little as 8 seconds if you qualify for a policy.

 

How Much Does a No Exam Term Insurance Policy Cost?

The cost of a term insurance policy with no physical will depend on your age, gender, health, the amount of coverage, the length of term (10-30 years), your lifestyle, occupation, hobbies, driving record and tobacco use, among other things.

 

What Age Restrictions Apply to No Exam Life Insurance?

Usually, anyone age 65 or under may qualify for life insurance without an exam. However, your answers to the health questions asked on the application for coverage will determine if you qualify.

 

Which Life Insurance Companies Offer Term Insurance without a Physical?

There are several insurers that offer no exam coverage including Haven Life, AAA, Globe Life, Sagicor, Gerber, New York Life and Met Life, among others.

 

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

Get a Free Quote

 

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 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.

 


Term Life Insurance | About Us | Privacy Policy | Site Map

 


Disclosure: Compensated Affiliate