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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No medical exam life insurance is an attractive option for people over 50 who want to purchase life insurance without undergoing a medical exam. This type of insurance policy is designed to provide coverage without the need for a medical exam, making it a popular option for people who may have pre-existing health conditions or who simply want to avoid the inconvenience of undergoing a medical exam. In this article, we will discuss the types of life insurance plans available, how they work, an...

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Yes, you may be able to purchase a 5 year term life plan with no exams if you qualify for coverage.

Usually, insurers offer term life policies for 10, 15, 20, or 30 years.

However, there are some that offer 5 year term life plans; such as, Globe Life.

Through Globe Life you may have the option of choosing the following amounts of coverage for 5 year term policies:

• $5,000
  
• $10,000
  
• $20,000
  
• $30,000
  
• $50,000
  
• $100,000
  

Globe Life offers coverage with just a some health questions and a simple application. 

You c...
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Can I buy no medical exam life insurance for my parents?

Yes, if you are an adult child, you may purchase life insurance on your parents.

However, you may need their approval and signature on the application for coverage.

There are no medical exam life insurance policies for seniors; such as, permanent life insurance, term life insurance, or guaranteed issue whole life insurance policies.

Whether or not your parents will qualify for coverage may depend on their age and health.

However, even if the...
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Can I buy a final expense insurance policy with no medical questions asked?

Yes, if you qualify for coverage you may purchase a no medical question final expense policy.

These plans are guaranteed issue, which means there is no health exam or health questions asked.

However, guaranteed issue policies are usually available for people over 45 years of age.

You need to meet the age requirement for guaranteed acceptance on your policy.

One insurer offers guaranteed approval final expense life insuranc...

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Can I buy a term life insurance policy without taking a medical exam?

Yes. And, you can compare no exam term life insurance quotes online by visiting a life insurance website and requesting your free quote.

Some insurers offer up to $500,000 of coverage with no exam, while one highly-rated insurer offers up to $2,000,000 of no exam life insurance coverage.

Here's how to get term insurance quotes with no medical check up.

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Can I buy a term life insurance policy without taking a medical examination?

It depends on your age, health, and the insurance company guidelines for approval.

However, there are now several insurers that offer no exam term life insurance policies for qualified applicants between the ages of 20 to 60 years old.

In addition, other insurers may offer plans for people ages 18 to 78 years of age, but offer lower maximum limits of life insurance coverage.

Some insurers offer same-day coverage for qual...

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Yes. Fidelity Life does offer life insurance plans without any health examination required.

These are term life insurance policies offering coverage for a specific period fo time; such as, 10, 15 or 20 years of protection.

Qualified applicants may purchase up to $499,999 of affordable term life insurance coverage without taking a medical.

You may qualify for coverage within 24-48 hours of applying online.

Fidelity offers competitive pricing on their non-medical term life insurance policies.

Here's...

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No. If you answered all questions truthfully on your application for life insurance, the coverage cannot be taken away if your health changes. 

Once the life insurance policy is approved by the insurer, and you have made your first premium payment to the insurer, the coverage is In Force. 

It can be cancelled if you contact the insurer and request cancellation, or if you stop paying your premiums and the coverage lapses.

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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.

Learn more about how to get a ...

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Actually, that depends on your age and health.

Fidelity Life does offer life insurance with no medical exam required for healthy people who meet the age requirements for approval.

You can get a free quote for coverage with no exam required. Fidelity Life offers up to $499,999 of no exam term life insurance protection.

Fidelity Life offers competitive pricing on life insurance without an exam.

Here's how to learn more about Fidelity Life Insurance with No Medical Exam needed.
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If you're shopping for life insurance without any exams, you may be wondering how much it would cost for a policy.

The premium charged for coverage will depend on the type and amount of no exam life insurance you buy.

In addition, your personal risks factors will impact pricing of your policy, including your age, gender, health, lifestyle, tobacco use, occupation, hobbies, etc.

The younger and healthier you are when you purchase your policy, the lower your cost of coverage.

Learn more about the c...

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Is there New York Life Insurance with No Medical Exam?

Yes, in fact, there are several life insurance carriers that may offer coverage to people without having to take an exam.

For example, ANICO offers healthy individuals up to $249,999 of life insurance with no exam - for residents of New York state.

In addition, several other insurers offer no exam life insurance; however, the requirements for approval with no exam are more stringent - some require people in good or excellent health.

Here's ho...

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Is it possible for me to buy a life insurance policy without any medical exams or medical questions asked?

Yes, there are life insurance policies available with no medical needed and no health questions.

Two types of life insurance policies offering this kind of coverage include accidental death insurance which pays out a death benefit if the insured dies as the result of an accident.

The other type of life insurance is guaranteed-issue which offers a limited amount of insurance coverage, usuall...

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The cheapest type of life insurance policy without any health exam required is term life insurance.

Term life is the cheapest type of life insurance policy because it provides temporary coverage lasting for a period of up to thirty years.

You may choose a "Term" of coverage or your policy from 10, 15, 20, 25 or 30 years.

The shorter your life insurance policy "term", the lower your annual cost of life insurance protection.

In addition, the lower your amount of life insurance, the lower your annua...

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Yes, there are no-exam life insurance plans available for people over 65.

You may be able to choose from permanent life insurance , term life insurance, or guaranteed-issue life insurance without an health exam, if you're over sixty-five years old.

However, the most affordable life insurance policies will be term life, since they are temporary and build no cash value; whereas, guaranteed-issue policies will cost the most because they guarantee your approval for life insurance.

Learn more about f...

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What is the maximum amount of life insurance you can purchase without taking a medical examination?

That really depends on your age and your health.

In addition, the insurance company limit of non med life insurance will vary by life insurance company.

Some insurers may offer up to $50,000 of non med coverage, while one highly-rated insurer offers up to $3,000,000 of life insurance with no medical exam for healthy individuals.

And, you may purchase no medical life insurance policies from more tha...
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What is the maximum amount of life insurance you can get without taking a medical exam?

It really depends on your age and your health, as well as, the insurer you apply to for coverage.

The limit of non-med life insurance available will vary by insurance carrier.

Some life insurers may offer up to $50,000 of non-med coverage, while one highly-rated life insurer offers up to $3,000,000 of life insurance with no medical exam for healthy individuals who qualify for coverage.

And, you may be able to ...
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If you have been turned down for life insurance because of medical reasons, you may be wondering how you can get insured.

Don't worry, there is another answer. In fact, there are life insurance plans that even offer "Guaranteed Acceptance" - which means you can't be denied coverage due to any health problems.

As long as you meet the age requirements, you can get insured. These plans do offer a limited amount of life insurance protection, usually $25,000 or less. 

If you need more life insurance ...

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Can I get life insurance if I have a pre-existing medical issue?

Yes, you may qualify for a fully underwritten life insurance policy, or you may choose guaranteed acceptance life insurance, if you meet the age requirements for approval.

Some guaranteed issue life insurance plans are available for people ages 45 to 85.

Even if you are over 75, or have been denied coverage by other insurers, you can still get guaranteed coverage.

Learn more about buying life insurance with a medical condition.

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By using medical tests are insurers trying to eliminate any applicants that are likely to develop a serious health condition in the future?

Medical tests provide accurate, current information about an applicant’s health that enable insurers to charge premiums that reflect the level of risk an applicant represents.

Because some health conditions are easily managed through proper medication, therapy or lifestyle changes, medical information makes it possible for insurers to cover applicants wi...
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Yes, life insurance companies do request medical records of those who apply for life insurance coverage.

This is a standard practice in the life insurance industry.

And, if you deny the request, the insurance company may choose not to insure you for life insurance.

The insurance company uses the information from your medical records to verify your health, and determine if they should insure you for life insurance.

They want to find out if you are a good risk for life insurance, and your medical r...
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Which insurance companies life insurance online with no medical testing required?

There are several highly-rated insurers now offering no test term insurance plan online with coverage available up to $1,000,000 for qualified applicants.

Some of the leading providers of online term insurance include Haven Life, Sagicor Life and Globe Life, among others.

Online term life plans offer you the option of purchasing your coverage direct online and starting your policy immediately upon approval - with n...
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Yes, if you meet the age requirements for approval, you may purchase life insurance coverage without having to answer any questions about the condition of your health, or your health history.

These are called "Guaranteed Approval" life insurance plans which means you cannot be turned down for coverage due to any health problems.

And, there's no health exam required and no health questions asked.

So, even if you are over 80, have been turned down for life insurance coverage elsewhere, or you have...
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Yes, seniors citizens can get insured for life insurance without having to take a medical exam.

There's even guaranteed issue life insurance for seniors with no health questions asked.

So, even if you have a health problem or you have been turned down for life insurance coverage, you can still get insured without taking any medical exam.

Seniors age 45-85 can get guaranteed coverage and may purchase up to $25,000 of life insurance.

Here's how to get life insuranc...

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Can I buy funeral insurance without taking a medical exam?

Yes, you may be able to purchase no exam funeral insurance coverage.

It depends on your age. There are guaranteed approval funeral insurance plans available for anyone who meets the age requirements of the life insurance company offering coverage.

For example, one highly-rated life insurer offers guaranteed acceptance funeral insurance for people age 45 to 85.

With guaranteed funeral insurance you cannot be denied coverage if you meet the...
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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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Can I buy life insurance coverage without having to answer any questions about my health?

Yes, in fact, there are life insurance policies available with guaranteed approval which means you won't have to take a physical exam or answer any health questions.

Where you have been turned down, have chronic health problems or just don't want to answer any health questions when applying for life insurance, you can get insured - if you meet the age requirements for approval.

Life insurance carriers with ...
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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 purchase life insurance online without taking a medical exam?

Yes, in fact, there's an A++ rated life insurance company that offers up to $1,000,000 of no medical life insurance for qualified applicants.

You can request a free price quote and apply online for a policy in about 15 minutes.

There are some health questions you need to answer when applying for coverage. And, if approved, you may start your affordable life insurance plan today.

Learn how to buy no medical life insur...
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Yes, a doctor's exam may be required for life insurance.

However, the requirement for an exam depends on the insurer, your age, health and the amount of life insurance you need.

Some insurers do not require you to take an exam if you are buying less than $50,000 of life insurance.

In addition, there are life insurance policies available online with no health exam required.

Also, the exam from an insurer is usually a paramedic exam performed at your home or office which checks your blood pressure,...
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Burial insurance policies are built to help those who are seniors or who have health issues get life insurance coverage. 

Because of this, it is much easier to get a burial life insurance policy than it is to get regular life insurance.

Burial insurance is a type of no medical exam life insurance policy which means that there are no invasive health screenings or tests required to purchase your burial policy.

For example, there's no physical exam, no blood te...

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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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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.

Here's how you can learn more a...
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Is there life insurance that does not require a medical exam?

Yes, there are no medical exam life insurance plans.

Who offers no exam life insurance?

Several highly-rated life insurance carriers offer no exam life insurance including United of Omaha, National Life Group, and Met Life, among others.

How does it work?

There are two basic types of no exam life insurance: Simplified Term Life with No Exam and Guaranteed Issue Life Insurance.

Simplified issue term life offers coverage for a period of 10...
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What is life insurance no medical?

It's life insurance that does not require you to take any medical examination to qualify for the purchase of the life insurance policy.

However, with no medical life insurance there are usually some health questions you need to answer when you apply for your life insurance policy.

And, the amount of life insurance available with no medical exam required may be limited to around $500,000.

However, no medical life insurance is usually much quicker and easier to ge...
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Yes, there are life insurance carriers that offer whole life insurance plans without requiring the applicant to take a health exam.

However, the amount of coverage available may be limited based on your age and health.

Some carriers offer single premium whole life insurance with no exam but the minimum premium may be a one-time payment of $10,000.

In addition, there no exam whole life insurance plans with guaranteed acceptance for people age 45 to 85. These plans are often used as a means of pro...
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Is it possible to purchase a mortgage life insurance policy that would pay off my mortgage loan if I die, without me having to take any physical examination to qualify for the coverage?

Yes, there are life insurance plans for a mortgage that offer protection without any health exam required of the applicant or insured person.

For instance, there's one highly-rated life insurance carrier you may have heard of on television that offers up to $500,000 of life insurance with no health exams require...
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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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Is no exam life insurance coverage affordable?

It really depends on your health, your age and the insurance company you apply to for life insurance,

Some insurers offer higher rates on their no exam life insurance plans, while others may be more competitive.

For instance, Fidelity Life has some no exam life insurance rates that are even in line with what other insurers may offer for life insurance that requires you to take a physical exam.

While other insurers may charge rates at least 10% (or mo...
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Yes, there are life insurance plans available that do not require you to take a medical examination to qualify.

In fact, some plans may offer up to $350,000 of life insurance coverage without any exams. However, whether or not you qualify will depend on your age, health, and your answers to any health questions asked on the application.

You can compare rates and plans instantly, and apply online for a no exam life insurance policy in minutes.

Also, some life insurance no exam policies allow you ...
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I am a card-holding medical marijuana user living in Colorado. Will a life insurance company decline coverage or raise my rates because of the marijuana usage?

Yes, you can qualify to buy a life insurance policy if you use medical marijuana and you live in the state of Colorado.

If you are purchasing a medically underwritten policy that requires a medical examination and a review of your medical records, the reason for needing the medical marijuana will enter into your ratin...

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Where can I buy a term life insurance policy without any medical exams or medical questions asked?

There are several types of no exam policies available online for you to purchase.

However, when it comes to life insurance with no health questions asked the option safe fewer.

Basically, for no question life insurance there are two plans available:

1. Accidental death life insurance, and

2. Guaranteed issue life insurance.

Accidental death offers up to $1,000,000 of life insurance th...

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There are different "types" of no medical exam life insurance plans that are available.

Some life insurance companies offer life insurance up to a certain amount by asking a few medical questions and if you answer those satisfactorily the life insurance coverage is issued. This type of life insurance could cost you more than similar life insurance that is fully underwritten.

Some no exam life insurance plans offer up to $350,000 or more of life insurance without any health ex...

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When you take a medical examination for a life insurance policy, you usually have a blood test and urine test in addition to the health questions and vitals check.

For older people the life insurance company may ask you to complete an EKG as well a mature assessment which looks at cognitive and mobile abilities. Seniors may be asked to perform the mature assessment.

Some common things life insurers look for in these health tests may include cholesterol levels, A1C (Blood Sug...

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Is there life insurance available for people over age 60 with no health examination required?

Yes, people over 60 may qualify for life insurance without taking a medical exam.

In fact, Globe Life offers up to $30,000 of simplified life insurance without any medical exam. There are a few Yes/No health questions for you to answer.

Globe Life is rated "A+" Superior for financial strength by AM best Company. And, Globe Life provides a 30 day money-back guarantee.

Just $1 starts up to $30,000 of life ...
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There are many things you can do to prepare for your life insurance medical exam.

Make sure you choose a time of day for your exam when you experience the lowest amount of stress.

Also, do not drink any coffee, caffeine, or alcohol the day of the exam.

Don't exercise the day of the exam.

You can choose to have the exam in your home, so if that would be less stressful, choose that option.

Make sure you have all of your medical information, prescriptions, and health records available, as well as, th...
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When you apply for life insurance coverage there are many questions asked about the coverage you need, and your health history. Many of these questions assist the insurance company in determining if they will offer you life insurance, how much they will offer, and what they will charge you for your policy.

For example, the life insurance carrier may ask how much life insurance you need, what type of life insurance, and how you will pay your premiums - monthly, quarterly, or annually.

In additio...
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What happens at a life insurance exam depends on your age, the life insurance company, and the amount of life insurance for which you are applying. 

If you are young and applying for a small life insurance policy under $100,000 of coverage, it is possible that all that is needed is answering some medical questions, and maybe giving a sample of urine for testing.

For most people that apply for a medically underwritten life insurance policy over $100,000 of coverage, a blood ...

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Yes, life insurance companies may see your medical records.

If you have taken a medical exam before when applying for life insurance, the information would be available through the M.I.B. (Medical Information Bureau) which is where insurance companies share medical information about applicants for life insurance that have taken health exams.

In addition, the insurance company may request that you take a physical exam, which the insurance company pays for and they get to see the results. Also, t...
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