Affordable Life Insurance Protection for Your Family
What is the Best Term Insurance without an Exam?
If you’re looking to buy the very best term life insurance policy without having to take a physical exam to get insured, you’ll want to consider Haven Life.
Haven Life is fully backed by Mass Mutual and offers you the ability to purchase your affordable life insurance policy online today in just minutes.
The entire process is safe and secure, and you may choose up to $1,000,000 of term life protection lasting for a period of up to 30 years. And, there’s a money-back guarantee.
Why is Haven Life Best for No Exam Term Life?
Haven Life is our top pick because they offer very competitive pricing, the highest amount of no exam coverage available, the fastest way to get insured, and they have the highest financial strength rating.
Reasons to Choose Haven Life
Affordable Rates – Haven Life offers some of the most competitive no exam rates available for healthy individuals.
Financial Strength Rating – Haven Life is backed by Mass Mutual which is rated A++ Superior for financial strength by AM Best Company.
Amount of Coverage – Haven Life offers from $50,000 up to $1,000,000 of life insurance.
Apply Online – You can apply for a policy online in about 15 minutes.
Instant Issue Policy – If approved, you can select a payment option and start your coverage.
Coverage Starting Today – There’s no delays, you can begin your life insurance immediately.
Money Back Guarantee – Your policy comes with a 30-day money-back guarantee.
How Does Term Life Insurance Work?
Term insurance is a type of life insurance protection providing coverage for a specific period of time, usually up to 30 years.
Haven Life offers terms of 10, 15, 20 or 30 years.
You select your term and pay your premiums (same amount each year) for the duration of your policy.
If you pass away during the time you are insured, Haven Life pays out a death benefit to the person or persons you choose to receive the proceeds from your life insurance policy.
Top Pick – Haven Life
Haven Life uses the information provided in your application to make an instant decision on your application for insurance.
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.
Best Guaranteed Life Insurance – If you are over age 60, have health issues, or you have been turned down for life insurance, you may want to consider Guaranteed Issue life insurance. There's no physical exam required and you won't have to answer any questions about your health.