No Medical Exam Life Insurance
No medical exam life insurance bypasses much of the application process, allowing the policy to become effective faster and guaranteeing coverage quickly. You may pose a greater risk to the insurance company, which is why no medical exam life insurance rates are more expensive. Enter your ZIP code below to start shopping for free no medical exam life insurance quotes from companies near you to get cheaper rates.
UPDATED: May 8, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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Laura Walker
Former Licensed Agent
Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...
Former Licensed Agent
UPDATED: May 8, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: May 8, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
UPDATED: May 8, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Life insurance is the best way to guarantee your family’s future if you are not there with them. The problem is, most types of life insurance require a medical exam before the policy is issued, and that could mean weeks added to the application process. With no medical exam life insurance, the delay is avoided, and people who might otherwise be denied coverage are still eligible. If time and eligibility are things you have concerns about, getting life insurance without a physical exam is an available option when there may not be many.
No medical exam life insurance bypasses the much of the application process, allowing the policy to become effective faster and guaranteeing coverage, even if you pose a greater risk to the insurance company. To make up for the increased risk, insurance companies charge higher premiums than they do for other types of insurance. This means that you can provide for final expenses to relieve the burden on your grieving family, or make sure that your widow and children are taken care of after you die.
Like other types of insurance, it is a good idea to shop online before you buy. Get free online life insurance quotes that compare similar policies between multiple companies, and then check the insurance company reviews to find out how the companies with the best rates compare from a standpoint of financial stability, cost and quality. The best rates do not always
mean the best insurance, and comparing policies and reviews is the only way to spot the differences.
Depending on the types of life insurance you buy, even without an exam, you may still have to provide some information about your medical condition. This is usually done verbally over the phone, when required, but remember to answer questions honestly or the claim could later be denied. Other types of no medical exam life insurance, such as guaranteed acceptance life insurance, require no sort of medical information, although the amount of benefits may be more limited.
Frequently Asked Questions
How does no medical exam life insurance work?
No medical exam life insurance works by using the answers you provide to the medical questions to determine your eligibility and premiums. Since there is no medical exam involved, this type of insurance can be issued more quickly than other types of life insurance.
Is no medical exam life insurance more expensive?
Yes, no medical exam life insurance is typically more expensive than other types of life insurance because the insurer is taking on more risk by not requiring a medical exam.
Who should consider no medical exam life insurance?
No medical exam life insurance may be a good option for people who don’t have time to wait for a traditional life insurance policy to be issued, or who have a health condition that may prevent them from getting approved for other types of life insurance.
How do I get a quote for no medical exam life insurance?
You can get a quote for no medical exam life insurance by using an online quote tool. Enter your ZIP code and answer a few questions about your age, health, and lifestyle, and you’ll be able to compare quotes from multiple insurers.
What should I consider when shopping for no medical exam life insurance?
When shopping for no medical exam life insurance, you should consider the premiums, coverage amount, and terms of the policy. You should also check the insurance company’s reviews to ensure that it is financially stable and reputable.
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Laura Walker
Former Licensed Agent
Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...
Former Licensed Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.