How to Buy Life Insurance with No Physical Exam
and No Health Questions Asked
Today, there are several highly-rated insurance carriers that offer life insurance for seniors, high risk people with health issues, and those who have been turned down for coverage.
Although many insurers do not insure people with pre-existing health conditions due to the high risk of someone being insured and then dying soon thereafter, there are insurance plans called "Guaranteed Issue" that offer guaranteed approval for anyone who meets the age requirements for acceptance.
Do You Want to Buy Life Insurance without Taking a Health Exam or Answering Any Questions About Your Health?
If so, you’ve come to the right place.
Today, it’s quicker and easier than ever before for people between the ages of 45 to 85 to get the life insurance they need without the delays and hassles of a medical exam and health question.
Discover how affordable no exam life insurance can fit your budget.
The process is easy to request your free quote online today.
Many people between 45 to 85 years of age buy guaranteed acceptance life insurance to cover the cost of their funeral, burial and final expenses.
It can help provide peace of mind for you and protect your family from the financial burden of having to pay for your funeral and burial upon your passing.
In fact, there is a guaranteed issue policy available for people ages 45 to 85 that allows you to purchase up to $25,000 of life insurance protection with guaranteed approval.
It’s called Mutual of Omaha guaranteed acceptance life insurance and it’s easy to get. With Mutual of Omaha you just request a free quote and apply for your policy today.
If you are 45 to 85 years old (50-75 in NY) you can’t be turned down for coverage. And, there’s no medical exam and no health questions asked.
Even if you have a pre-existing health condition or chronic health problem, you can get insured.
Mutual of Omaha Life is rated "A+" Superior by AM Best Company for financial strength, which means Mutual of Omaha is a financially secure life insurance company and considered Superior for its ability to meet its financial obligations and pay claims.
Your guaranteed issue policy comes with a 30-day money-back guarantee so you can get your money back if you are not satisfied with your insurance.
However, guaranteed life insurance coverage has a graded death benefit the first 2 years you are insured.
A graded death benefit means you have limited insurance coverage for the first two years you are insured, then you have 100% (full) coverage after the first 2 years.
That’s how the insurance company is able to accept everyone for life insurance, even if you have serious health issues.
Guaranteed Approval Insurance Explained
What is Guaranteed Acceptance Life Insurance?
It’s simple. It is a type of permanent life insurance coverage that guarantees your approval for coverage.
It just means you cannot be denied a guaranteed life policy if you meet the age requirements for approval. And, your insurance lasts your entire lifetime.
There's no health examination required, and you won't have to answer any questions about the status of your health, or your health history.
So, even if you have a pre-existing health issue, you can still get insured.
What are the Age Requirements for Approval?
It depends on the insurance company. United of Omaha offers guaranteed approval for people ages 45 to 85 (50-75 in NY).
How Much Life Insurance Coverage Can I Buy?
With Mutual of Omaha you may choose from $2,000 up to $25,000 of life insurance.
How Much Does a Policy Cost?
The cost of life insurance for someone over 50 will depend on your gender and the amount of insurance you need. However, rates for guaranteed life insurance start as low as $8.80 per month.
Request your free Life Insurance Quote.
Can I Buy Life Insurance for My Spouse?
Yes. You may buy life insurance for yourself, you spouse, or both of you.
What If I Change My Mind?
With Mutual of Omaha there’s a 30-day money-back guarantee. So, if you decide you are not satisfied with your policy you can return it to the insurance company within 30 days of your purchase and receive a full refund of all premiums paid. There is absolutely no risk to you.
Can the Insurance Company Cancel My Coverage If My Health Changes?
No. The insurance company cannot cancel your life insurance if your health changes after you purchase your policy.
The only way they can cancel your insurance is if you stop paying your premiums, or you contact the insurer and request that they cancel your coverage.
Life Insurance Quotes
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.
Highly Recommended – Gerber Life
Gerber Life offers guaranteed acceptance whole life insurance for people age 50 to 80. Choose $5,000 up to $25,000 of coverage. There’s no medical exam and no health questions. You cannot be turned down. START HERE to get a FREE Quote.
No Medical Questions Life Insurance for Seniors
Life Insurance for Seniors Age 50 to 85
Life Insurance for Uninsurable People
Disclosure: Compensated Affiliate