How to Buy No Exam Whole Life Insurance
What is whole life insurance with no exams?
It’s life insurance that provides lifetime insurance protection and does not require you to take a doctor examination to qualify for a policy.
Whole life builds up cash value inside the insurance policy from which you can take a loan if needed.
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.
How much whole life insurance can I buy without taking an exam?
It depends on your current age, health, and the insurance company. There are whole life policies offering up to $25,000 of permanent life insurance coverage.
Which are the top life insurance companies offering whole life insurance without any exams?
Mutual of Omaha is rated "A+" Superior for financial strength by AM Best and offers up to $25,000 of permanent no exam life insurance.
In addition, other carriers including Colonial Penn, Metlife, AARP/NewYork Life and Gerber offer up to $20,000 or more of whole life insurance protection without any physical examination required.
Is there guaranteed issue whole life insurance with no examination?
Yes, in fact, there are guaranteed issue life insurance plans for people age 45 to 85 (50-75 in NY) that offer from $2,000 to $25,000 of coverage.
Some of the leading life insurance providers of guaranteed issue whole life insurance include Mutual of Omaha, MetLife, Colonial Penn and AARP/New York Life.
How can insurers provide guaranteed acceptance?
Life insurance companies offering guaranteed approval plan provide coverage with limited benefits the first 2 years you are insured. It’s called "graded benefits" life insurance because you don’t have full coverage until after being insured for two years.
That’s how insurer can guarantee your acceptance for coverage even if you a some pre-existing health condition.
Top Pick – Mutual of Omaha
Mutual of Omaha offers guaranteed acceptance no exam 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.
Disclosure: Compensated Affiliate