Can I buy life insurance coverage without answering any medical questions?

Yes. It's called "Guaranteed Acceptance" permanent life insurance and it offers guaranteed approval for anyone who meets the age requirements.

Guaranteed Acceptance means you can't be turned down for coverage do to any health problems, as long as you meet the age requirements.

The age requirements for approval may vary by life insurance carrier from ages 45-75, 40-80, or even 45-85 years old.

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I need life insurance but I have health issues and I'm finding it difficult to get insured.

Where can I get life insurance without any exams or health questions asked?

There are some life insurance plans available with guaranteed approval for people who meet the age requirements.

These guaranteed life insurance policies have no physical exam required and they do not ask any questions about your health.

Some carriers offer guaranteed approval for people ages 45-75 or people ages 45-85.

However, you...
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Is it possible to buy a life insurance policy without having to answer any questions about my health?

Yes, there are no medical question life insurance plans available.

These plans usually have:

1. Limited death benefits the first two years you are insured.

2. Maximum amount of life insurance available up to $25,000.

3. No health exam required.

4. Guaranteed acceptance for people age 45 to 85.

5. No health questions asked - you cannot be turned down due to your health.

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Is it possible to buy a life insurance policy without having to answer any medical questions?

Yes, there are life insurance plans that offer coverage without any health questions.

The two basic types of no medical question life insurance plans are Accidental death life insurance and guaranteed issue life insurance with graded death benefits.

Accidental death offers up to $1,000,000 of life insurance with no health exam and no health questions, but a death benefit is only paid ou...
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