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 out if you die from an accident.
A guaranteed issue life insurance policy offers a limited amount of life insurance, usually up to $20,000, for people of a certain age group, usually 45 to 75, and you do not have full coverage until you have been insured for two years. There's no health exam and no health questions asked.
There are simplified issue life insurance plans with no health exam, but they require you answer some health questions.
Here's how you can learn more and compare plans for
life insurance without medical questions
