Life insurance policies with no medical exam and no health questions asked are commonly referred to as "guaranteed issue" or "simplified issue" life insurance. Here's an explanation of how these policies work and who may benefit from them:

1. Application process: When applying for guaranteed issue life insurance, you don't need to undergo a medical exam or answer health-related questions. Instead, you provide basic personal information such as age, gender, and contact details. The application i...

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When it comes to shopping for the best price on life insurance there are many options to choose form for quote comparisons.

However, the quickest and easiest place to get life insurance quotes is just to visit a life insurance website, fill out a Quote Request Form, and you will instantly see on your screen the lowest prices available for life insurance from several leading life insurance companies.

Your free price quotes fir life insurance are based on the information you provide on the quote ...
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The length of time it takes to get life insurance will depend on the insurance company and the type of life insurance policy you need, in addition to your personal health.

The traditional type of whole life insurance policy requiring a medical exam may take up to 4-6 weeks for you to get insured.

This may vary depending on the medical record requirements based on your health, and how long not takes to receive those records from your Doctor.

There are other types of policies available, including ...

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Yes. There are guaranteed issue life insurance plans available for people between the ages of 45 to 85 years old.

Guaranteed issue means you cannot be turned down for coverage if you meet the age requirements.

So, even if you have health problems or have been denied life insurance from other insurers, you can still get insured.

But, these plans usually come with graded (limited) benefits the first 2 years you are insured.

Learn more about getting life insurance on someone who is dying.

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No. You cannot buy a life insurance policy on someone you don't know.

In order to purchase life insurance on another person you need an Insurable Interest in that person, and you would need their consent - permission to get the insurance.

Usually, the insurance company would require the signature on the application of the person you wish to insure.

That person would need to sign the application for life insurance coverage, which would verify that the person is aware of the life insurance covera...

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If you're shopping for a temporary life insurance plan you may be wondering who can buy term life insurance?

Well, it really comes down to just a few things:

1. People between the ages of 18 to 75.
   
2. Can You qualify for coverage based on your health?
   
3. Can you afford to pay the premiums.

If you are between 18 to 75 years old, qualify for coverage and can pay the premiums, you should be able to get term life insurance.

Learn more about who can get term life insurance plans.

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Can I buy a life insurance policy on my grandfather?

Yes, adult grandchildren may purchase life insurance on their grandparents.

In fact, many parents of elderly people, and even adult grandchildren purchase life insurance on their grandparents.

The fact is, many seniors may not have enough money saved to cover the cost of their final expenses, including a burial, funeral, casket, memorial service, etc.

And, with the average cost of final expenses around $8,000 - it can be a costly undertaking to...
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Are you in need of life insurance protection that starts today?

If so, you may want to consider Haven Life, which offers healthy, qualified individuals the option of purchasing top to $1,000,000 or more of affordable life insurance online today.

With Haven Life you can get a free quote, apply online and begin your life insurance coverage right away, if you qualify.

They offer the quickest and easiest way for healthy people ages 20 to 60 to get insured at affordable rates.

Learn more if you need l...
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Did you know you can buy life insurance whether or not you own a home and have a mortgage?

Yes, that’s right, you can buy life insurance if you don’t have a mortgage.

Who Can Get Insured for Life Insurance?

So, if you don’t need a mortgage to get life insurance, who can buy a life insurance policy?

Well, any adult can purchase a life insurance policy and choose to name anyone they wish to be the beneficiary of the policy.

The beneficiary is the person(s) who receives the death benefit payout...

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Do You Have a Pre-Existing Health Condition and Need Life Insurance?

If so, you may be wondering if it’s possible to get insured, if it will be affordable, and how much coverage you can get.

These are all good questions and concerns that many just like you with a health condition may be considering when in need of life insurance protection.

The answer to your question is "Yes", you can get life insurance with an existing health problem.

There are plans available that offer insurance to those wi...

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Can I purchase life insurance without any blood tests?

Yes, you can get insured for life insurance without any testing of your blood.

This type of policy is called "Quick Issue" life insurance.

Now, some life insurance companies have made available the option of allowing you to buy your policy without taking a health exam, or having your blood tested.

You can even apply for a policy online – Safe and Secure – and begin your coverage immediately, if you qualify. 

Here's how to get life insuranc...
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There are several ways you can compare prices on life insurance including: request free quotes online, contact a local life insurance agent, or call life insurance companies direct, one-by-one to get your price quotes for life insurance.

The process of requesting life insurance quotes online is simple, you just visit a life insurance website, fill out a "Quote Request Form", and receive your free price comparisons.

Since rates for life insurance coverage vary by insurance carrier, you may save ...
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Yes, there are no medical exam life insurance plans available.

In fact, some insurers allow you to apply for coverage online and begin your coverage the same day.

No exam life insurance does require the applicant to be healthy and most simplified issue term life insurance plans require you to be age 60 or below.

However, there are guaranteed issue policies available for people between the ages of 45-85.

When purchasing a no exam plan make sure you consider how long the risk free money back guaran...
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How can I purchase a life insurance policy if I have applied to an insurer and been turned down?

There are a couple options that may work for you.

You could contact a life insurance broker who specializes in placing life insurance through high risk insurance companies for people who have been denied insurance.

Or, you could get guaranteed issue life insurance if you meet the age requirements for approval.

In addiiton, you may be able to contest the medical exam results, or ask for another exam, i...
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Is it possible for a smoker to get life insurance protection?

Yes, in fact, depending on how often you smoke, you may be able to qualify for good rates on your life insurance policy.

There are a few insurance carriers that are more lenient when it comes to classification of a smoker for life insurance and may offer better pricing based specifically on your actual frequency of smoking.

In addition, there is life insurance available for people who smoke cigarettes, e-cigs, pipes, cigars, marijuana...
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What is the easiest way to get an affordable life insurance policy? 

The easiest approach to purchasing life insurance is to shop, apply and buy your policy over the internet. 

Today, a consumer like you may qualify to purchase up to $1,000,000 of affordable life insurance protection within the hour. 

That's right. In fact, one "A++" rated life insurer offers you a way to apply for your policy online in about 15 minutes. And, find out in as little as 1 minute (after applying) if you qualify for ...
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If you're considering the purchase of a life insurance policy, it may be because you actually need protection.

Many of us think about life insurance when a major life event occurs; such as, a family member passing away, buying a new home, getting married, getting a promotion at work, or having a child, etc.

If you have anyone who relies on you for financial support, you may need life insurance to guarantee their financial security in case you die.

Life insurance can be used by your beneficiaries...
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The need for term life coverage applies equally to income-earning spouses, and there are strong arguments for acquiring life insurance for a partner or spouse who is not drawing an income, as well.

For instance, losing a stay-at-home spouse can lead to dramatically increased child-care costs, time away from work for the surviving spouse, final expenses, the settling of outstanding debts, and these are just a few of the financial aspects of such a serious loss as the death of ...

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It is possible to buy life insurance for your parents if you have an insurable interest in them.

Children do have an insurable interest in their parents since they may rely on their parents for financial support, or suffer financial loss if their parents were to die.

However, some insurers may require that the child have the permission of the parents, and sign the application, as well as, answer some health questions when you apply for the life insurance policies on your parent...

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Yes, you can purchase life insurance on your ex.

If you have insurable interest and your ex spouse gives you permission then you can get life insurance on your ex. 

In fact, it may be wise to include life insurance coverage requirements in your divorce settlement. This way financial obligations such as child support can be protected for the future.

If the spouse paying child support passes away, the life insurance will be paid out the the guardian of the child and the child w...

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After you apply for a life insurance policy It can take anywhere from hours, to months to be approved for your life insurance coverage.

If you are applying for a simplified issue life insurance policy that requires no physical exam or medical records, it can be signed digitally and approved on the phone, it may even go into effect the same day you apply.

The cons of a simplified issue life insurance policy: this type of life insurance policy does not dig too deep into your h...

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Yes you may qualify for life insurance with epilepsy in most cases, although you will pay a higher price than a "standard" risk would at the same age for the same type and amount of life insurance.  

When you find an independent life insurance agent that you feel comfortable with, give as much information as you have such at the date you were first diagnosed with epilepsy, all medications that you currently take, whether or not they involve this disease.

The life insurance age...

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Yes, most people who have had a heart attack may be able to qualify for life insurance coverage.

If you were under age 40 when you had your heart attack, you may need to settle for a guaranteed issue life insurance plans or simplified issue life insurance coverage.

If your heart attack was at an older age, your heart function is still good, you have addressed any issues that led to the heart attack (CAD, diet, etc), and several years have passed since having your heart attack,...

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Yes, people over age 70 may qualify for life insurance coverage.

It depends on the person's age and health, and the life insurance company's guidelines for approval.

In addition, the type and amount of life insurance the person needs will impact acceptance, and the cost of the life insurance policy.

It would be easier for someone over 70 to qualify for a term life insurance plan providing coverage for 10 years or less, instead of a permanent life insurance policy providing lifetime protection.

In...
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If you have diabetes and need life insurance you may be wondering if you can even qualify to purchase a life insurance plan.

Some life insurance are more willing to insure people with diabetes, while other insurers are more strict with their approval guidelines when it comes to insuring diabetics for life insurance.

Whether or not you qualify for a diabetic life insurance policy will depend on the insurance company and your own personal risk factors.

Your risk factors will include your age, heal...
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Yes, you may be able to qualify for life insurance if you have Grave's Disease.

If your Grave's Disease is in remission, or has caused hyperthyroidism that is is well controlled by medication, Grave's Disease will not make much impact on the rate you are charged for your life insurance policy.

If combined with other health conditions, or if you have some health complications from Grave's Disease, you might be rated up or even turned down for some life insurance policies.

Howe...

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As long as you have an insurable interest you can buy a life insurance policy on another person.  That interest need only be present at the time you purchase the life insurance policy.  If that interest ceases you can still own the life insurance policy on the other person's life. 

In addition, you may need the person you want to insure to sign the application for life insurance and answer some health questions.

There are many scenarios where this is practiced and generally is...

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Yes, type 1 diabetics can may qualify for life insurance, and sometimes a person with type 1 diabetes will have an easier time finding affordable life insurance coverage than a person with poorly controlled type 2 diabetes.

With good control of your diabetes and no side effects, type 1 diabetes life insurance can be issued in a life insurance policy that pays 100% from day one and has no limit on the face amount. This means, you would have full coverage immediately once you a...

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Have you been turned down for a life insurance policy? 

There are many reasons people may be turned down for life insurance coverage; such as, due to your age, health, driving record, use of illegal drugs, etc.

However, if you have been turned down when you applied for coverage, you may still have other options available to get insured.

For instance, guaranteed issue life insurance plans offer no exam life insurance with a limited amount of life insurance coverage available. In fact, some plans ...
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You can get life insurance quotes over the internet by visiting a life insurance website offering life insurance quote comparisons.

Some websites have access to life insurance brokers that sell your information to others and will contact you by email or phone about your quote request.

While others provide instant life insurance quote comparisons from a large network of life insurance companies with no delay. That way, you can see for yourself without any delay which life insurance carriers may ...
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Using an online life insurance broker with access to a large network of life insurance carriers that specializes in "impaired risk" life insurance is a good way to make sure that you are getting the best possible rate on diabetic life insurance coverage.

If you're just looking for a small life insurance policy with no health exam required, there are also lots of choices, and again, diabetic control can make a big difference in what life insurance policy you qualify for and w...

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Yes, you can get life insurance even if you have ulcerative colitis.

If you want more than $25,000 of life insurance coverage, the insurance company will most likely require your medical records. The life insurance company will check to see if your ulcerative colitis condition is stable and mild to moderate, which should qualify you for a life insurance policy.

However, any recent flare ups, surgeries, certain prescriptions, or complications such as liver disease, could caus...

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Yes, you may be able to get life insurance on your brother.

The life insurance company requires an insurable interest in the person you want to insure for life insurance.

Insurable interest means you rely on the person for some form of financial support, or you would suffer financially if the person were to die.

Insurable interest does exist between spouses, parents and their children, and siblings, among others.

So, you could buy life insurance on your brother, but you may need his permission, s...
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No, you can't buy life insurance on just anybody.

The life insurance company will require you to have an "Insurable Interest" in the person you want to insure for life insurance.

Insurable Interest means you rely on the person for financial support, or stand to lose money if the person dies. 

Insurable Interest does exist between spouses, siblings, parents and their children, relatives, and business partners, among others.

So, for instance, you may insure the life of your parent, but you will nee...
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People with diabetes can get life insurance, and there are some ways that you can help yourself get the best price on your life insurance policy.

Life insurance companies will consider your age, health, type of diabetes, if you smoke, how long ago you were diagnosed with diabetes, if you are insulin dependent, if you have any health problems related to your diabetes, how often you test your blood sugar levels, and other measures you take to properly manage your diabetes.

Many ...

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You may or may not be able to qualify for life insurance if you are an alcoholic. It will depend on your age, health, and other risk factors related to your drinking.

The life insurance companies look at several factors in determining if they wish to issue a life insurance policy for coverage.

Have you been to AA? Have you been to a treatment facility for alcoholism?

If you are an alcoholic, are you being treated for kidney problems?

What is your record as far as being arrested f...

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Whether or not someone with cancer can buy life insurance may depend on the type of cancer, stage, treatment and the period of time since all treatment has ended.

Certain types of cancer, such as most forms of skin cancer, if caught early and "cured", should not prevent someone from qualifying to buy a life insurance policy, depending on the stage of cancer and treatment, rates for your life insurance policy may be standard or higher.

Other forms of cancer may be insurable an...

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If you have COPD it is highly unlikely you will be able to qualify for life insurance coverage.

However, it will depend on your personal health history provided through a pre-screening process that would tell you what to expect for a rate classification on your life insurance policy, if qualified.

It is unlikely a person would be considered a standard risk with COPD, but that person may get a table offer from a carrier at a much higher rate than standard, depending on your hea...

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Yes, you may be able to qualify for life insurance coverage if you have diabetes.

However, it will depend on the status of your health and your diabetes.

The life insurance company will ask about your history of diabetes, when you were diagnosed, if you have type 1 or type 2 diabetes, how you manage your diabetes, are you insulin dependent, how often you check your blood sugar levels, do you have any health problems related to your diabetes, your height-to-weight ratio, etc.

In addition, the lif...
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In order to buy life insurance on another person the insurance company will require that you have an insurable interest in that person.

Insurable interest basically means you ely on the person for financial support, or you stand to lose out financially if the person were to die.

There does exist insurable interest between parents and their children, so you can buy life insurance for your mother.

However, in order to get life insurance on your mom, you may need her permission, signature on the ap...
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Yes, you can almost always get life insurance while having lupus.

If your lupus is severe enough to cause kidney damage, anemia, pleurisy, pericarditis, or brain dysfunction, you will most likely need to take a simplified or guaranteed issue life insurance policy.

A guaranteed issue life insurance plan has a graded death benefit which means you need to be insured for at least 2 years before you have full coverage under your life insurance policy.

If it is mild, you can get med...

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Getting life insurance with a DUI on your driving record may be possible.

The price you pay for your life insurance if you have had a DUI will largely depend on how long ago the DUI occurred, if there was any alcohol treatment involved, and if a second DUI occurred after that?

You may not be able to get a medically underwritten life insurance policy if you have had a recent DUI.

However, you may be able to qualify  for a simplified issued life insurance policy a year or two aft...

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To get life insurance on someone else, you can go to any life insurance website or insurance agency that offers life insurance coverage.

If they want to see someone face to face, you should contact a place near the person you want to insure for life insurance.

If the person you want to insure for life insurance will be signing a digital application online, they can do it from across the nation from you and/or your insurance agent.

In order to buy life insurance on another pers...

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Yes, you may be able to get life insurance after having a heart attack.

Whether or not you qualify for life insurance may depend on several factors, including but not limited to:

1. How long ago was your heart attack?
2. Have you made a full recovery?
3. Did you have heart surgery?
4. Are you on medication?
5. Do you have regular check-ups?
6. Your Age.
7. Your height-to-weight ratio.

Although you may or may not qualify for a regular life insurance policy, there are guaranteed issue life insurance pla...
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