You can get life insurance without a medical exam by applying for a no exam life insurance policy online.

When applying you will be asked some health questions will will help the insurer decide if you qualify for a no exam policy.

Some carriers offer up to $350,000 of life insurance without any exam. 

You can get a free quote and apply online in minutes.

If approved, you may start your life insurance coverage the day you apply.

Although no exam life insurance plans are quicker and easier to get st...
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What is graded benefit life insurance and how does it work?

Graded death benefit life insurance is a type of no exam life insurance that provides a limited amount of death benefit over the first 2-3 years you are insured by the policy.

This type of life insurance may be most common with juvenile life insurance plans and life insurance policies for seniors.

Basically, if the insured person dies within the first 2 years of being insured by the policy, the amount of the death benefit paid to the be...
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When you apply for life insurance coverage the insurance company may require you to take a medical exam which may include blood and urine testing.

The insurance company wants to check whether you have nicotine in your system, as well as, check for any legal or illegal substances in your system, such as, prescription drugs, marijuana, cocaine, methamphetamine, or any other illegal drugs.

Also, they are checking your urine for health issues, like high cholesterol, STD's, HIV/AIDS, diabetes, or an...
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