It's usual for an insurance company to require the applicant for life insurance to take a medical exam.

The life insurer uses this information to determine your health, and how your longevity.

The health examination is paid for by the life insurance carrier.

Usually, if you're age 30 or over, need more than $50,000 of life insurance, you smoke, or have health problems, you would be required to take a physical exam.

Learn more about at what age does life insurance require a physical exam.

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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...

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Yes, it's possible to buy a term life policy without having to take any physical exams.

However, these no exam policies are usually available to healthy individuals between the ages of 20 to 60.

The cost of coverage and the maximum amount of insurance available will vary by insurer, and depend on your age, gender and health, among other things.

Some no exam term policies offer instant coverage, which means you may apply for a policy online and start your life insurance protection immediately upo...

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Term life insurance policies usually requires the applicant for life insurance to take a health examination which is paid for by the insurance carrier.

Usually, you would need to take a life insurance health exam for any of the following reasons:

• Over Age 30
  
• Over $50,000 of Life Insurance
  
• Declined by Other Life Insurers
  
• Use Prescription MedicationUse Tobacco
  
• Have a Pre-Existing Health Condition
  
• History of Drug or Alcohol Abuse
  
• Poor Driving Record – DUI’s
  

Keep in mind, taking a medical examination ...

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No, all life insurance policies do not require you to take a physical examination, but many do.

There are non-med life insurance policies available for term life, whole life or guaranteed issue life insurance coverage.

However, most standard life insurance plans require a medical examination if the applicant is over 30 years old, smokes, has health problems, or is looking to buy more than $50,000 of insurance.

To learn more read this article: Do all life insurance policies require a physical?

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The lowest priced no exam life insurance plan is term life insurance.

Term life is temporary life insurance protection lasting for a period of 30 years, or less.

Term insurance costs a lot less than permanent life insurance, which provides guaranteed lifetime life insurance protection.

With term life, the shorter your term (duration) for coverage, the lower your annual cost of insurance.

You may be able to choose a term of coverage lasting for a period of 10, 15, 20, 25 or 30 years, with no exam ...

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Do I have to take a physical exam in order to purchase a term life insurance policy?

That depends on your age and health, and the requirements of the insurance company.

Some reasons insurers require a physical may include:

• You are over age 30
  
• You need more than $50,000 of life insurance
  
• You smoke
  
• You have a pre-existing health condition
  

However, there are insurers that offer non medical life insurance policies, which means you won't have to take an exam to qualify for life insurance coverage.

Some li...
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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...

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Is it possible to get insured for life insurance without taking any physical examination?

Yes, there are simplified issue term life insurance policies available for healthy people that do not require you to take any health exam. These plans are usually available for healthy individuals age 60 and under.

Some no exam term life policies offer the option of applying online and starting your life insurance coverage that very same day. And, these plans usually come with a 30 day risk-free, money-bac...
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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.




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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...
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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...
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I physical exam for life insurance is an examination that checks your health for any ailments and to determine if you have any nicotine or illegal drugs in your system, as well as if you have STD's, high cholesterol, high protein levels, or any other health problems, such as, diabetes or emphysema.

Life insurance companies don;t always require a medical exam of the person applying for life insurance. It depends on the person's age and the amount of life insurance requested. For instance, a 30 ...
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