Buying a Life Insurance Policy with No Health Check
Is There Any Life Insurance Available with No Health Check-up Required?
Yes, in fact, there are even plans available that can Guarantee your Approval for coverage.
Even if you have been declined for coverage by other insurers, or you have pre-existing health problems, you can still get insured.
How Does No Health Check Life Insurance Work?
Well, there are two types of policies available: Term Life and Whole Life.
Each type of plan has their own set of guidelines for approval.
However, no exam term life insurance is available for healthy individuals ages 20 to 60, while no exam whole life insurance is available to people with health issues. That’s the big difference.
Term Life Insurance with No Health Exam
Term life is temporary coverage that lasts for a specific number of years. Usually, you can choose from terms of 10, 15, 20 or 30 years without any exam required.
However, in order to qualify for term life without exams you must be between 20 to 60 years of age and healthy. That means, no health issues - You're in good or average health, at least.
Term Life offers higher limits of coverage without any exam.
Whole Life Insurance with No Health Check
Whole life insurance provides you with guaranteed lifetime protection, as long as you pay your premiums, your coverage will remain in force.
However, with guaranteed issue whole life plans you may be limited to a maximum amount of $25,000 of coverage. That's because there are no health exams and no health questions asked.
Your approval for a life insurance policy is guaranteed, as long as you meet the age requirements, and reside in a state where the insurer is licensed to do business, and offers the plan.
Top Pick – Mutual of Omaha
Mutual of Omaha offers guaranteed acceptance whole life insurance for people age 45 to 85. Choose $2,000 up to $25,000 of coverage. Rates start as low as $8.84 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.
- Your life insurance policy comes with a 30 day Risk-Free, Money-Back Guarantee
Features of Guaranteed Approval Whole Life
- No Health Check-Up Required
- No Health Questions Asked
- Guaranteed Approval – For people ages 45 to 85
- Rates Never Increase
- Coverage Amount Never Decreases
Have You Been Turned Down for Life Insurance?
If you are trying to get life insurance but you’ve been turned down by other life insurance companies, you can get Guaranteed Issue coverage if you are between 45 and 85 years old.
Do You Have a Pre-Existing Medical Condition?
That’s OK. Even if you have some health issues, you can still get insured.
What If I Change My Mind?
Each life insurance policy comes with a Free Look Period. This is required by the state in which you live. Each state has their own minimum Free Look requirement. If you return your life insurance policy to the insurer within the Free Look period, you get all of the premiums you paid, returned to you.
Can I Buy a Policy for My Spouse, Too?
Yes. You can buy a life insurance policy on your spouse and buy one for yourself, too.
Will My Premium Ever Increase?
With Guaranteed Issue whole life insurance coverage from Mutual of Omaha, your premiums will not increase.
Will the Amount of Insurance Ever Decrease?
The amount of life insurance provided by your policy will not decrease during the life of your plan.
Will My Coverage Be Cancelled If My Health Changes?
No. Once you start your life insurance, if your health changes, your coverage will not be cancelled.
Which Insurers Offer No Health Check Policies?
There are several insurance carriers now offering no health check life insurance plans with guaranteed approval for coverage, including Mutual of Omaha, MetLife, AARP/NewYork Life, Colonial Penn, and Gerber, among others.
Factors to Consider When Choosing Guaranteed Life Insurance
- Age – People age 45 to 85 may qualify for a guaranteed issue plan.
- Amount of Coverage – Purchase from $2,000 up to $25,000 of life insurance.
- Carriers – Some of the leading guaranteed issue insurance companies include Mutual of Omaha, Metlife, and Colonial Penn.
- Permanent Life Insurance – Guaranteed Lifetime protection.
- Cash Value – Builds cash value inside the policy, from which you may take a loan.
- Graded Benefits – There is limited coverage the first 2 years you are insured, then you have full coverage.
- Level Premiums – Premiums are guaranteed never to increase.
- Level Benefits – Life insurance death benefit is guaranteed never to decrease.
No matter what type of illness you have, if you meet the age requirements, you may purchase guaranteed acceptance life insurance.
Life Insurance Quotes with No Health Check
Top Pick – Mutual of Omaha
Mutual of Omaha offers guaranteed acceptance whole life insurance for people age 45 to 85. Choose $2,000 up to $25,000 of coverage. Rates start as low as $8.84 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.
- Your life insurance policy comes with a 30 day Risk-Free, Money-Back Guarantee
Term Life Insurance without Health Exams
Life Insurance Policy No Health Check
Life Insurance for Uninsurable People
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Disclosure: Compensated Affiliate