Is there life insurance you can purchase without any physical exam or health questions asked?

Yes, these plans are called "Guaranteed Acceptance" life insurance and offer a limited amount of coverage because anyone may get insured who meets the age requirements for approval, even if they have health problems, or have been turned down for coverage elsewhere.

Some guaranteed issue life insurance plans are available for people ages 45-75, 40-80, or even for those ages 45-85.

Here's how to get no ph...

Continue reading ...

I want to purchase life insurance, but don't want to take any health exam.

How much coverage can I get?

That will depend on your age and health.

But, the amount of no exam life insurance available will vary by insurer, too.

Some carriers offer up to $25,000 of guaranteed coverage, while others offer up to $1,000,000 of quick issue term life insurance with no exam, but you will have to answer some health questions to help the insurer determine if you qualify for a policy.

In addition, you may purch...

Continue reading ...

Can I buy a term life policy without taking a physical exam?

Yes, if you qualify for coverage (based on your age and health), you may be able to purchase a term policy online with no exam required.

In fact, one A++ rated insurer offers up to $1,000,000 of affordable term insurance with no exam (if you qualify).

You can even apply online and start your life insurance coverage today, if approved.

Learn how to buy term insurance no physical exam required.




Continue reading ...

What is no physical whole life insurance?

It's a lifetime life insurance policy that does not require you to take any health exam to purchase the coverage.

Whole life insurance provides life insurance for your entire lifetime and your premium never increases, so you pay the same price each month or year, for as long as you live. As long as you keep paying your premiums, your whole life insurance remains in force.

No physical whole life means you don't have to take any physical exam or testing to...
Continue reading ...

Yes, there are life insurance policies that do not require you to take a physical exam.

Some plans are called guaranteed issue which offer a small amount of life insurance and limited death benefits the first 2 years you are insured.

Other no exam life insurance plans are simplified issue with just a few health questions and no health exam required.

People age 65 and under may qualify to purchase up to $499,000 of life insurance without taking a health exam.

Here's how you can learn more about l...
Continue reading ...