Affordable Life Insurance Protection for Your Family
Buying Life Insurance without taking a Physical
Do You Want to Buy Life Insurance without any Physical Exam?
If so, you may have more options to get insured thank you expected. And, it may be much easier for you to get insured than you might expect.
In fact, there are several insurers that now offer quick-issue life insurance policies you may apply for online and even start your coverage in as little as 24 hours or less.
However, your acceptance for life insurance with no physical examination needed will depend on the type of life insurance, and the requirements for approval, including your age and health.
Types of No Physical Life Insurance Plans
Term Life Insurance
Term life, also known as, temporary life insurance offers protection that will last for a specific period of time, usually up to 30 years.
If the insured person dies during the "term" (duration) of the insurance policy, the death benefit (amount of life insurance) is paid out to the beneficiary of the policy (owner of policy chooses the beneficiary).
If the insured person is alive when the policy expires, there is no death benefit paid out to the beneficiary.
Although some plans offer coverage without a medical exam, you will have to answer some questions about your health. Usually, these plans are offered for people who are healthy and between the ages of 20 to 60.
Some insurers offer up to $2,000,000 of term life without any exam needed.
Here’s how to get a term life insurance policy with no physical exam.
Permanent Life Insurance
Permanent life provides lifetime protection lasting your entire life. As long as you pay your premiums on time, your permanent coverage remains In Force. Upon your death, the death benefit is paid out to your beneficiary.
In addition, permanent life policies build up some cash value over time from which you may take a loan, if needed.
Guaranteed Issue Life Insurance
Life insurance with guaranteed approval is permanent coverage lasting your entire lifetime.
These plans offer guaranteed approval for people who meet the age requirements for acceptance. For example, one insurer offers guaranteed approval for people between the ages of 45 to 85.
There is no health exam required and no medical questions asked for guaranteed issue plans.
Some insurers offer up to $25,000 of guaranteed acceptance coverage.
Here’s how to get a guaranteed issue life insurance policy with no physical exam.
Choosing the Right Plan without an Exam
When choosing your no physical life insurance policy make sure to consider the following:
NOTE: Keep in mind, life insurance policies offering coverage which do require a physical may provide coverage at a more affordable price compared to plans that do not require you to take a health check-up.
Life Insurance Quotes without a Physical
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.
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
Get FREE Information on How $1* Can Buy Up To $100,000 Globe Life Insurance for Adults or Children
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.