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We can offer term life insurance to cover your financial needs, no matter where they are located.

For a simplified issue policy you will be required to fill out a detailed questionnaire about yourself and your family. You will also be asked to access your past medical records. There is no need to have a medical exam. The only thing you will need to do is answer your questionnaire and access to your medical records.

buy life insurance online no medical exam

Once you turn 50, however, everything changes.

Many Americans are too busy to take the time for a medical exam. It can be time-consuming and a hassle.

If you don't understand your options, it can be discourageing to seek life insurance when you're over 50. Most people believe that insurance after 50 is too expensive and difficult to obtain. You don't have to be a senior citizen to get affordable insurance.

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Most companies that don't sell any medical life insurance only offer $250,000.

top-10-best-no-medical-exam-term-life-insurance-companies
no medical exam life insurance reddit

no medical exam life insurance reddit

A majority of life insurance policies require a medical examination, including term life insurance. This allows the insurance company to accurately assess your risk and determine your premium. Life insurance may be out of reach for you if your medical condition is severe.

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No whole or term insurance policies with medical exam coverage are available. The death benefits for whole life coverage are generally limited to $50,000 or lower -- this is tenfold less than what's typical for term life benefits. If an insurer doesn't offer coverage for medical exam with a higher benefit, it usually means that the medical test is dependent upon your answers to health question.

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senior life insurance no medical exam

A policy that has a certain number of years. For example, 5, 10, 15, 20 etc. When the policy ends, the coverage ceases.

There are some things you will need to remember when you get life insurance after you turn 50. Premiums for life insurance increase as you age. This means that the rates you pay will go up the longer it takes to get one. You might also have restrictions on the type of policies that you can get if your pre-existing health conditions are present.

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All life insurance policies don't require you to have a medical examination. You have many options to get affordable and fast coverage with no exam.

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Frequently Asked Questions

Can I get life insurance without a medical exam? Yes, some insurers offer no medical exam life insurance, usually called guaranteed issue or simplified issue policies.

Guaranteed issue, also called guaranteed acceptance, is a type of whole life insurance that requires no medical exam or health questionnaire. Most insurers only offer guaranteed issue life insurance to older adults, usually aged 50 to 80, although age limitations can vary by carrier.

Term and permanent life insurance options are available for individuals with a chronic illness. Some products, including simplified issue and guaranteed issue, are available without a medical exam. Policy options, premiums and coverage amounts may depend on how well a chronic illness is managed.