Why do life insurance companies make you go to see a doctor for a checkup?

Actually, most life insurance companies do have a medical exam requirement for applicants based on the person's age and amount of life insurance being requested.

For instance, some insurers may require a medical exam if you are over age 30 or requesting more than $50,000 of life insurance.

However, the exam is usually a paramedical exam performed in your home or office by a paramedical examiner, not a doctor. And, the exa...
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Is there life insurance online you can purchase without any medical check up required?

Yes, there are no medical check life insurance plans available online.

These are called "guaranteed issue" life insurance policies with no health exam required and no health questions asked.

And, you cannot be turned down due to any health problems.

These guaranteed life insurance plans usually age age requirements; such as, coverage is guaranteed for people ages 45 to 85.

Also, guaranteed life insurance may lim...
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Fidelity Life Hybrid is a type of life insurance policy that combines two types of insurance coverage: Term and Accidental Death.

You can get an instant quote and apply online for up to $1,000,000 of life insurance without any health exam required.

And, you can start your life insurance coverage within 24 to 48 hours.

Example: You purchase $900,000 of Fidelity Life Hybrid coverage with no exam.

Your coverage would consist of $300,000 of term life insurance all cause coverage, and $600,000 of acci...
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