Affordable Life Insurance Protection for Your Family
Here’s a review of three leading life insurance carriers offering you term life insurance protection with no medical exam required.
More and more people are searching the internet each day looking for quick and easy life insurance without the hassles. Maybe you don’t like needles, or you just don’t have the time to take a physical exam – or maybe you just don’t like pushy insurance agents and their high-pressure sales tactics.
Whatever your reason – there are three options you have available right now. Each of the following companies in our review is safe and secure – they have at least an "A-" (Excellent) rating by A.M. Best for financial strength. That’s important because you want your life insurer to be around to pay your claim when your family needs it most.
Also, they each offer a "Free Look Period" – which means you can review your policy and return it for a full refund of all premiums paid (usually within 30 days) if you are not satisfied. So, there’s no risk to you. If you don’t like your policy you can return it within the free look period for your money back.
NOTE: You can apply for coverage from all of the insurers listed below and purchase more than $2,500,000 of life insurance without any health exam, if you qualify.
Top Pick – Haven Life Insurance Agency
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.
Applicants age 60-64 are eligible to apply for up to $1 million in coverage; subject to underwriting approval.
Some qualified applicants (U.S. citizens up to the age of 59) will be able to finalize coverage without the need for a medical exam. The majority of applicants are still required to take a medical exam.
Keep in mind: Issuance of the policy or payment of benefits may depend upon the answers given in the application and the truthfulness thereof.
Highly Recommended – Fidelity Life Insurance No Exam
Buy up to $499,000 of term life insurance online without having to take any physical examination, blood or urine tests. Fidelity Life is rated "A-" Excellent by A.M. Best for financial strength. Established in 1896. 30 day money-back guarantee.
Highly Recommended – Globe Life Insurance
$1* Buys $100,000 Globe Life Insurance for Adults or Children
Highly Recommended – 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.