Affordable Life Insurance Protection for Your Family
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 $2,000,000 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 20 to 60 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 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.
No Exam Term Life Insurance Quotes
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 – Globe Life Insurance
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