Affordable Life Insurance Protection for Your Family
How to Buy Life Insurance without an Exam
Are you looking for life insurance coverage but you don’t want to take any physical examination in order to get insured?
If so, it may be much easier to get life insurance than you might have expected.
Actually, there are several plans you may be able to choose from including simplified issue term life and guaranteed approval whole life insurance.
To determine the plan that’s right for you, there are a few things to consider, including your age, your budget, the type and amount of life insurance you need, and your health.
We’ll review the basic types of no exam life insurance plans to help you understand the features and benefits if each type so you can choose the policy that meets your specific needs.
Review of No Exam Life Insurance Plans
Simplified Issue Term Life Insurance
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.
Pros of Haven Life
Cons of Haven Life
Highly Recommended – Globe Life Insurance
$1* Can Buy Up To $100,000 Globe Life Insurance for Adults or Children
Pros of Globe Life
Cons of Globe Life
Guaranteed Approval Life Insurance
Top Pick – 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.
Pros of United of Omaha
Cons of United of Omaha