What is a No Medical Exam Life Insurance Policy?
Life Insurance with No Medical Exam is a type of life insurance policy that does not require you to take any medical exam in order to qualify for your life insurance policy.
Many life insurers require you to take an exam, and blood tests, to qualify, depending on your age, and the amount of life insurance you need.
Haven Life offers no exam life insurance through an "A++" rated life insurer offering up to $1,000,000 of term life insurance with no medical exam, just some health questions. Get a free life insurance quote.
What are the benefits of a no medical exam life insurance policy?
Here’s a list of some benefits of no exam policies:
Why should I buy this type of life insurance?
Many people choose no medical life insurance policies for the following reasons:
You may qualify for coverage today, you can get a policy "In Force" the same day, there’s no need to meet with a life insurance agent, no mailing delays, and no medical exam required, just some few medical questions.
And, there’s no blood test required to qualify for coverage.
Can I qualify for a no medical exam life insurance policy?
Most people who are healthy may qualify for coverage.
If you are in good or average health, you may qualify. If you are in poor health, you may not meet the requirements for qualification.
Just answer a few health questions online and find out today if you qualify for life insurance.
How much does this type of life insurance cost?
Actually, you may pay a little more for this type of life insurance, because coverage is available online. There is no extensive underwriting of your risk, so the rates are higher to account for the higher risk to the life insurance company of accepting people who may not qualify for coverage with other companies requiring a full medical exam.
How do I apply for coverage?
You can request a quote online. Just answer a few medical questions and get an instant quote. If you like your rates you can request coverage. If you qualify, you can usually be insured the same day.
You usually have a 10-30 day "Free Look" period, depending on the insurer.
So, if you want to cancel your policy for any reason you can get a full refund of your money paid within the first 30 days.
Terms and conditions of the policy may vary by insurer and state.
No medical exam life insurance policies offer you a quick and easy way to purchase life insurance at affordable rates.
Rates may be higher than other policies, but there’s less hassle, and you can get protection today, if you qualify.
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.
Highly Recommended – Globe Life Insurance
$1* Buys $100,000 Globe Life Insurance for Adults or Children