Are You Looking to Buy a Term Life Insurance Policy with No Exam?
If so, it may be much quicker and easier to get insured without an exam than you might have anticipated.
Today, several insurers now offer quick-issue term life plans you can apply for over the internet – Safe and Secure. And, you can apply for your policy online in about 10-15 minutes.
If approved, you may start your life insurance coverage the same day you apply. It’s quick, easy and affordable to get no exam term insurance protection.
How No Exam Term Life Insurance Works
It’s basically just the way the name sounds. You can apply for a term life insurance policy online without having to take any health examination to qualify for coverage.
However, you will need to answer some questions about the status of your health and your health history.
In addition, you will answer some questions about your age, gender, lifestyle, tobacco use, occupation, hobbies, driving record, etc.
Applying for Coverage Online
It only takes about 10-15 minutes to complete the entire online application for a no exam term life insurance policy. However, this may vary by insurer.
How Long Does It Take to Get Insured?
The time to get insured may vary by insurer, but once you have applied for your coverage, and been approved, you can make your first month’s payment and begin your life insurance policy immediately.
Some insurers provide approval / acceptance for coverage in as little as 15-20 minutes after you have applied online for your life insurance plan.
Yes, that means, if you apply for a policy today, and get approved today, you may be able to start your life insurance coverage today.
How Much Insurance Can I Get without a Medical Exam?
That depends on your age, health, and the insurer you apply to for a policy.
However, one insurer offers up to $1,000,000 of same-day coverage for approved applicants.
In addition, you may choose to apply for insurance from more than one insurance carrier, if you decide you need more life insurance.
Age Requirements for No Exam Coverage
The age requirements to qualify for no exam life insurance will vary by insurance company.
However, you may need to be between the ages of 18 to 65 and healthy, in order to qualify for the largest amount of coverage available with no exam life insurance policies.
What If I Change My Mind?
No problem. Your no exam term life policy comes with a Free Look Period, which may be for 10, 15, 20 or 30 days, depending on the insurance company, and the state requirements for the state in which you live.
If you are not satisfied with your life insurance plan, you may return your policy to the insurance company and get a full refund of all premiums paid, during the Free Look Period.
Top Pick – JRC Insurance Group
JRC Insurance Group helps you shop, compare and save on life insurance. Regardless of your age or health background, we'll shop our 40+ insurance companies and find you affordable life insurance you need to protect your family and fit your budget. Compare the best life insurance rates for savings up to 73%.
JRC Insurance offers up to $2,000,000 of life insurance with no medical exam required.
You can get approval for your insurance policy in as little as 10 minutes to 2 days. JRC offers no exam life insurance for diabetics, too.
JRC offers some of the best rates on life insurance policies without any health exams required.
You can compare and choose from $25,000 to $2,000,000 of no exam life insurance coverage from several leading life insurance carriers through JRC Insurance Group.
Highly Recommended – Globe Life Insurance
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