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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