Life Insurance and Blood Testing
Is it possible to purchase life insurance without having to give blood and have it tested?
The answer is "Yes". You can get insured for life insurance without any testing of your blood.
This type of policy is called "Simplified Issue" or "Quick Issue" life insurance.
Now, some life insurance companies have made available the option of allowing you to buy your policy without taking a health exam, or having your blood tested.
In fact, you can even apply for a policy online – Safe and Secure – and begin your coverage immediately, if you qualify.
How Does It Work?
It’s simple. You just answer some basic questions to request your free quote. Then, if you like the price offered, you can apply online in about 10 minutes.
You’ll be asked some questions about your health which is how the insurer decides if you qualify.
After applying, the insurer reviews your application and gives you a decision in as little as 10 minutes.
If approved, you choose a payment option and start your life insurance right away.
How Much Insurance Can I Get?
That depends on your age and health. However, you may be able to choose from $50,000 up to $1,000,000 of coverage, or more.
When Does My Life Insurance Start?
If you are approved, you may begin your life insurance today.
Are There Age Limitations?
Yes. It depends on the insurer, but you may qualify for a policy if you are healthy and age 60 or under.
How Much Does It Cost?
The cost of your policy will depend on several factors, including your age, gender, health, amount of insurance, and duration of your coverage which you can choose from 10, 15, 20 or 30 years of protection. Request your free life insurance quote here.
What If I Have Health Issues?
If you have a pre-existing health condition you may not qualify. However, if you need coverage you may want to consider a guaranteed approval life insurance plan.
What If I Change My Mind?
If after you purchase your policy you decide you do not want the coverage you can contact the insurance company and cancel your policy.
Also, each policy comes with a 30-day money-back guarantee which means you have 30 days to return your policy after purchasing your coverage, to get a full refund of all premiums you paid.
Why Do Life Insurance Companies Test Your Blood?
Life insurers test an applicant’s blood to verify their health.
Blood tests can check for cancer, diabetes, HIV, STD’s, smoking and other health issues which may shorten your life expectancy and impact the decision of whether or not the insurance company will approve you to be insured for life insurance.
The results of blood testing can also be used to assist in determining the rate you are charged per $1,000 of life insurance.
Life Insurance Quotes
Top Pick – 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.
If you have health problems, you are over age 60, or you have been turned down for life insurance, you may want to consider United of Omaha.
They offer life insurance with guaranteed approval for people age 45 to 85.
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.