Affordable Life Insurance Protection for Your Family

Online Term Insurance without Medical Tests

Can I Buy Term Insurance without taking a Medical Test? 

Online Term Insurance without Medical Tests

Yes, you can purchase a term insurance policy over the internet without any tests if you qualify for coverage based on your answers to the health questions asked on the online application for coverage.

These plans are usually made available for healthy individuals who are age 60 or younger.

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Advantages of No Testing Life Insurance

There are several benefits to buying your term coverage direct online including:

  • Instant Coverage
  • No Medical Exams
  • No Sales Pressure
  • No Agent Needed
  • No Lengthy Mailing Delays

Disadvantages of No Testing Life Insurance

However, instant issue term insurance online may come with some drawbacks, including:

  • Limited Amount of Coverage Available
  • Higher Rates Compared to Fully Underwritten Plans Requiring a Medical Exam


How Much Coverage Can I Buy?

The amount of life insurance available will vary by insurer, buy come carriers offer up to $2,000,000 or more of coverage without any tests.

However, the maximum amount of life insurance you can purchase without a medical test will depend on your age and health; as well as, your budget.


How Long Does Coverage Last?

The duration of your coverage is referred to as the policy "term".

With a term insurance policy, you have temporary life insurance protection lasting for a specific period of time.

You may have the option of choosing term insurance for a period of 10, 15, 20 or 30 years, depending on the carrier and your current age.


When Can I Start My Term Insurance Policy?

That depends on the insurance company you choose for coverage.

Some carriers offer same day coverage, and if you qualify, you may begin your life insurance policy within hours of applying for a policy.

How Long Does It Take to Apply for Coverage? 

That depends on the insurance carrier, but most online term insurance plans without medical tests take about 20 minutes or less to apply online for coverage.


What If I Change My Mind?

Life insurance usually comes with a money-back guarantee of up to 30 days or more.

That means, you have the 30 days (which may vary by insurer) to review your life insurance policy and return it to the insurance company to get a full refund of all premiums you have paid for your policy.


Top Pick– Haven Life Insurance Agency

  • Get up to $2,000,000 of affordable term life insurance today
  • Apply online in under 20 minutes, start coverage today
  • Rated A++ by AM Best

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

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.
  • Join 4.3 Million Policyholders.
  • No Phone Required. No Credit Required.


Online Term Insurance without Medical Tests

Apply Online for Term Life Insurance 

Disclosure: Compensated Affiliate