Affordable Life Insurance Protection for Your Family

Life Insurance Policy with No Physical

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.


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:

  1. How Long Do You Need Your Life Insurance to Last?
  2. What Type of Insurance Do You Need – Term or Permanent?
  3. What is Your Budget?
  4. How Much Life Insurance Do You Need?


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 – JRC Insurance Group

JRC Insurance Group helps you shop, compare and save on life insurance. Regardless of your age or health background, we'll shop our 40+ insurance companies and find you affordable life insurance you need to protect your family and fit your budget. Compare the best life insurance rates for savings up to 73%. 

JRC Insurance offers up to $2,000,000 of life insurance with no medical exam required.

You can get approval for your insurance policy in as little as 10 minutes to 2 days. JRC offers no exam life insurance for diabetics, too.

JRC offers some of the best rates on life insurance policies without any health exams required.

You can compare and choose from $25,000 to $2,000,000 of no exam life insurance coverage from several leading life insurance carriers through JRC Insurance Group.

Highly Recommended – Globe Life Insurance

Get FREE Information On How $1* Can Buy Up To $100,000 Globe Life Insurance For Adults Or Children

  • No Medical Exam – Simple Application.
  • No Waiting Period. Buy Direct.
  • Rates As Low As $3.49 Per Month.
  • The Globe Life Family Of Companies Has Nearly 17 Million Policies In Force.
  • No Phone Required. No Credit Required.
  • The Globe Life Family Of Companies Has Over $224 Billion Of Coverage In Force.
  • Globe Life Is Rated A (Excellent) By A.M. Best Company As Of August 2023.

Highly Recommended – 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

Life Insurance No Medical Exam or Questions

Life Insurance Policy with No Physical

Globe Life Insurance

Disclosure: Compensated Affiliate