Different companies have different requirements regarding ages, face size and health. You will be asked to fill out a questionnaire. Keep in mind that all insurance companies will also check databases such the Medical Information Board and the Prescription Rx Database, as well as your state DMV.
Certain life insurance policies may not require a physical exam. Get fast, affordable coverage without a medical exam.
There is no limit on its duration. It can cover a person for their entire life.
It's smart to leave enough money for your beneficiaries to pay medical bills, if they have them. This includes all outstanding bills such as utilities and car payments, as well other expenses of daily life.
Two types of life insurance policies are available that do not require a medical exam. A no-exam policy, which is either a guaranteed or simplified issue, may be the right option for you and/or your family.
If you need life insurance fast, then no exam life insurance may be the right choice. The approval can take just a few business days. Those who don’t have the time to go to the doctors or are afraid of needles. It's suitable for people who don't qualify for traditional life insurance. This type of life insurance does not require any exam and offers immediate coverage.
No exam life insurance can be a great option for those who don't want to wait, aren't able to go to the doctor or hate needles.
Two types are standard life insurance policies, the simplified issue and the guaranteed issue. Understanding the differences in these policies and what they offer can help to decide which one is right for your needs.
Can I get life insurance without a medical exam? Yes, some insurers offer no medical exam life insurance, usually called guaranteed issue or simplified issue policies.
Guaranteed issue, also called guaranteed acceptance, is a type of whole life insurance that requires no medical exam or health questionnaire. Most insurers only offer guaranteed issue life insurance to older adults, usually aged 50 to 80, although age limitations can vary by carrier.
Term and permanent life insurance options are available for individuals with a chronic illness. Some products, including simplified issue and guaranteed issue, are available without a medical exam. Policy options, premiums and coverage amounts may depend on how well a chronic illness is managed.