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Learn about No Med Exam Term Life Insurance
What is a no medical exam term life policy?
It’s a term life insurance policy that does not require you to take any physical exam in order to qualify for your life insurance policy.
Since it’s term life insurance it provides you with temporary life insurance for a certain period of time. Usually, you can choose from 10, 15, 20 or 30 years of coverage with term life.
How does no med exam term life work?
You request a free quote online by answering some questions, including a few health questions. Then you receive an instant quote for life insurance telling you how much it will cost for your life insurance policy.
Usually, you find out if you are approved for your life insurance with no medical exam the same day you apply.
Once approved, you can pay for your life insurance using a bank transfer and start your life insurance policy the same day.
It’s probably the quickest and easiest way to buy life insurance today.
And, each life insurance policy comes with a "Free Look" period, which acts like a money-back guarantee for 10-30 days depending on the insurance company and the state you live in.
Keep in mind, since there’s no medical exam, blood or urine tests, rates may be higher, because the insurer may accept some people who may not get accepted by other insurers requiring a full physical exam.
Top Pick – Haven Life Insurance Agency
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
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