How to Buy No Medical Life Insurance Online
Are you looking to buy life insurance coverage online today without taking a medical exam? If so, you’ve come to the right place.
Now there are more insurers than ever before offering online life insurance coverage to consumers, making it quick and easy to get the affordable financial security you need for the future of your family.
How Much Life Insurance Can I Buy Online?
Actually, there are insurance companies offering as much as $1,000,000 of life insurance with no health examination required.
However, you can own more than one life insurance policy. So, you could have as much as $500,000 of life insurance or more, from several different life insurance plans.
How Can I Buy Life Insurance Online?
The process of buying life insurance on the internet is fairly straight forward. Actually, it’s probably a lot easier than you expect.
To start, you request a free life insurance price quote which indicates to you how much your policy will cost.
Next, you apply for a policy by answering some health questions and providing some specific personal information about who will be the beneficiary of your policy and other information needed to apply for coverage.
Then, you press the submit button and the insurance company reviews the information you provide on the application to determine if you are eligible for coverage, or require an examination.
Those applicants who qualify for coverage may be able to start their life insurance immediately by selecting a payment option.
Is A Medical Exam Required?
That depends on the insurance company and plan you choose. If you buy a fully underwritten policy then you will be required to take an exam.
If you choose a simplified issue policy you will not have to take an exam.
Guaranteed issue life insurance has no exams and no health questions asked.
What Are The Age Limitations?
There are some age restrictions for no exam life insurance plans that vary by insurer. For example, one leading insurer offers up to $1,000,000 of life insurance with no exam for people age 20 to 65. Another insurer offers up to $100,000 of coverage for people ages 18 to 78.
How Much Does It Cost?
Your premiums for coverage will depend on the insurer, your age, gender, health, tobacco use, length of time you have coverage, amount of life insurance and some other key risk factors.
However, some no exam plans offer competitive rates that are in line with life insurance policies that do require you to take a medical exam.
How Soon Can I Start My Life Insurance Policy?
Some insurers offer same day coverage. So, if you apply and get approved you may start your life insurance as soon as today, or within 48 hours.
Is It Safe To Buy Life Insurance Online?
Yes, life insurance companies use a secured site link that helps keep your personal information safe and secure.
The life insurance companies offering the option to buy life insurance direct online use "SSL" technology. SSL means Secure Socket Layers, which is what makes secure sites secure.
Highly Recommended – Haven Life
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 for Adults or Children