Term Life Insurance No Exam

Are you shopping for affordable term life insurance no exam rates?

With Efinancial, you can choose among the very best term life insurance rate quotes from the top term life insurance companies: Transamerica Life Insurance Company, MetLife, BannerLife, Genworth Financial, West Coast Life Insurance Company, ING, Fidelity Life and others.

Fidelity Life offers you up to $300,000 of life insurance protection for your family without having to take any physical exam, just some health questions. If you qualify, you may be able to begin your life insurance plan the same day you apply.

You can request your free life insurance quote and apply online in minutes. A licensed life insurance representative from Efinancial will contact you and review your options to help you find the no exam life insurance plan that meets your needs. Efinancial offers you:

• Fast, free life insurance quotes online
  
• Enjoy same day life insurance coverage on approval
  
• Compare term life insurance rates in under 5 minutes
  
• Choose no medical exam or doctor's visit
  
• Top life insurance companies compete for your business

Term life insurance no exam is a great option for those looking for an affordable, convenient way to secure term life insurance protection. Offered in a variety of terms and coverage amounts, no exam life insurance policies provide peace of mind when you need it most. These policies offer many of the same benefits available through medically underwritten coverage, without the hassle of an arduous application process.

Efinancial works with the top life insurance carriers in the industry, providing side by side comparisons of the most competitively priced policies on the market. Request your free quote and secure no exam life insurance coverage today.

Life Insurance No Exam Protection

Also known as non-medical life insurance coverage, many consumers are surprised to learn that life insurance without any physical exam required is available.

Unlike traditional life insurance policies, which usually require 4-6 weeks to issue, no examination life insurance plans can often be secured in less than 24 hours.

No exam life insurance coverage is available in three different forms:

• Simplified Issue Life Insurance – In order to complete the application process, applicants simply complete an application with health related questions. The application is underwritten, but there is no need to undergo a medical examination or submit a blood test.
  
  

• Guaranteed Issue Life Insurance – Also known as guaranteed acceptance, applicants are not required to answer any health related questions during the application process. Coverage is available for anyone who applies.
  
  

• Graded Benefit Life Insurance – Graded benefit coverage usually involves a few health related questions. Though the terms are a bit more complicated than guaranteed issue policies, the application process is relatively simple and coverage is available to many persons who might not qualify for a traditional product. Full policy benefits may not be available during the first years of this type of policy.

Benefits of Term Life Insurance No Exam

Like all life insurance, term life insurance no exam policies provide financial security for your loved ones in the event of your death.

But there are several benefits when comparing no exam term life policies with traditional life insurance.

For Example:

• Shortens the Application Process - Many people choose to invest in no exam life insurance for ease and convenience. These quick issue policies shorten the underwriting process and avoid the need for blood tests or a medical examination.
  
  

• Option for Guaranteed Coverage - Guaranteed issue life insurance enables applicants with health risks to obtain life insurance coverage. Before issuing a traditional life insurance policy, carriers evaluate an applicant’s insurability based upon a variety of risk factors including: age, health complications, tobacco use, family medical history, occupation, hobbies, and more. Those who are unable to qualify for life insurance based upon these, or other, health factors may be able to purchase a guaranteed issue life insurance plan.
  
  

• No Doctor’s Visit – Individuals who simply prefer to avoid visits to the doctor often choose to apply for life insurance with no exam online.
  
  

• Get Quick Coverage – By shortening or eliminating the underwriting process, many no exam life insurance policies can be issued the same day you apply for coverage.

The Cost of Life Insurance without any Medical Exam

It is important to note that term life insurance with no exam does generally cost a bit more than fully underwritten life insurance policies requiring a physical examination.

Traditionally, life insurance companies have reviewed applicant risk based upon medical evaluations and life expectancy.

Providing life insurance coverage without a medical exam comes with a risk, a risk that translates to higher premiums.

Many consumers do however choose to invest in no exam life insurance policies as a result of the ease and convenience of purchasing the life insurance online.

Who Should You Choose No Medical Exam Life Insurance?

Graded Death and Guaranteed Issue life insurance can be ideal for people with medical complications that may lead to a denial of traditional life insurance coverage.

Whereas, Simplified Issue Life Insurance may be a good fit for people in good health who simply want to avoid a prolonged application process, or the need for a medical examination. Or, maybe you don’t like needles or having blood drawn.

If you fall under any of these categories, now is a great time to secure your no exam life insurance coverage.

Efinancial works with the top life insurance carriers in the industry, providing side-by-side comparisons of the most competitively priced policies on the market.

Request your free life insurance quote and secure your term life insurance no exam coverage today.