Ensuring your family's future can be daunting, especially when you think about unexpected twists life might throw your way. But what if I told you that getting $10,000 of life insurance without any medical exams is simpler than you imagine?

Enter simplified issue term life insurance and guaranteed issue permanent life insurance – two options that offer financial protection and peace of mind without the hassle of medical exams.

Let's break it down. Simplified issue term life insurance provides...

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Your Lifeline: The Importance of $30,000 Life Insurance with No Medical Exam

Life's journey is full of unexpected twists and turns, and it's natural to want to shield our loved ones from any potential hardships along the way. If the thought of undergoing medical exams has deterred you from considering life insurance, don't worry – there's a solution crafted just for you: $30,000 life insurance with no medical exam required.

Imagine this scenario: you're contemplating life insurance, but the p...

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Can I buy a life insurance policy without having to take a physical examination?

Yes. However, it will depend on your age and your health.

There are several insurers now offering different types of no physical exam life insurance policies.

Healthy individuals between the ages of 20 to 60 may qualify to buy no exam term life insurance policies.

While people ages 45 to 85 may purchase guaranteed approval permanent life insurance policies with no exams and no health questions asked.

Here's how to buy...

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Life insurance companies usually require you to take a physical exam if you want to purchase a policy.

However, if it is a small amount of life insurance under $50,000, or you are younger than age 30, you usually won't have to take a medical exam.

No physical life insurance means you may apply for and get approved for life insurance coverage and not have to take any physical exam, blood, urine or nicotine testing. You answer some questions about your health, and the insurer makes a decision abo...
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Can I buy Fidelity life insurance without taking a medical exam?

Fidelity Life offers no exam life insurance coverage to people ages 18 to 65 who qualify for a policy. There are some health questions for you to answer, but if approved, you may start your life insurance coverage within 24 hours.

Fidelity Life was established in 1896 and is rated "A-" Excellent for financial strength by A.M. Best.

Fidelity Life offers you a quick and easy way to buy up to $499,000 of life insurance protection with...
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A no medical exam life insurance allows the applicant to qualify for life insurance coverage without having to take a medical examination. However, there are some health questions to be answered, and your approval will be based in part on your answers to the health questions.

Normally the premium for no exam life insurance is a little more because there is no Medical Exam required, which means some people may qualify who may not otherwise if a health exam was required. 

Usuall...

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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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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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Is it possible to buy a term life insurance policy without taking a physical examination?

Yes, today there are several insurers offering no exam term life insurance policies.

Basically, it's term life insurance that does not require you to take any medical exam in order to qualify for and purchase your life insurance policy.
 
However, when you request your life insurance quote you will be asked some medical questions. Your answers will help the insurance company determine if you qualify for the ...
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