Where to Buy Life Insurance without Medical Questions?


Where Can I Buy a Life Insurance Policy without Answering any Medical Questions?

If you’re looking to purchase life insurance coverage and you don’t want to answer any questions at all about your health, there are plans available to provide you with the insurance you need.

However, no medical question life insurance, commonly referred to as "guaranteed issue" has a few limitations.

 

Limitations of Guaranteed Issue Policies:


  • Age – The age requirements vary by insurer from ages 45-75 up to ages 45-85. 
  • Amount of Coverage – The maximum amount of guaranteed life insurance coverage may vary from $20,000 up to $25,000. 
  • Pricing – Minimum rates may be as low as $8.80 to $10 per month.
  • Limited Benefits – The death benefit is usually "graded", which means it is limited the first two years you are insured by a guaranteed approval policy. After two years, you have full coverage.

 

Now that you know about the short-comings of these plans, you probably want to compare the leading insurance carriers offering guaranteed issue life insurance.

 

Review of Life Insurance Companies with

No Medical Questions 

 

United of Omaha 

  • Up to $25,000 in coverage
  • Rates as low as $8.80 per month
  • Guaranteed coverage for those aged 45 to 85
  • No medical exam or health questions
  • No decrease in benefits or increase in premiums
  • Builds cash value to borrow against

 

Met Life 

  • Guaranteed approval for people age 45-75
  • No medical exam and no health questions
  • Rates as low as $10 per month

 

Colonial Penn

  • Guaranteed acceptance whole life insurance from $9.95 per month.
  • You cannot be turned down due to your health.
  • No medical exam and no health questions
  • Your rate never increases for any reason
  • For ages 50 to 85 in most states

 

As long as you pay your premiums, only you can cancel your coverage.

Keep in mind, if you need more than $25,000 of coverage, you may purchase a policy from more than one life insurance company.

 

 Life Insurance with No Medical Questions


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.

 

United of Omaha offers guaranteed protection for seniors, people with health issues and those who have been turned down for life insurance by other insurers. If you’re between the ages of 45 to 85 you cannot be denied coverage.

  

Highly Recommended – Met Life

Met Life offers guaranteed acceptance life insurance for people age 45 to 75. Choose from $2,500 up to $20,000 of coverage. Rates start as low as $10 per month. There’s no medical exam and no health questions. You cannot be turned down.

  


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