cheap life insurance no medical exam

We compared hundreds life insurance companies to help choose the best one.

For term and whole-life insurance, there are no medical exam life insurance policies. The death benefits for whole-life coverage are usually limited to $50,000, which is ten times lower than the usual limit for term life benefits. A policy that does not offer medical exam coverage and a higher death benefit will usually mean that your answers to health questions will be used for medical exams.

Finding affordable life assurance can be challenging. Understanding your options will help you make the best decision.

Your life insurance needs change with age. Your children may have grown up and are now independent and can rely on you to help them financially. Your mortgage and other debt may be paid off. Many people who are over 50 have a different view of life insurance than they did when they were in their 20s, 30s.

The majority of companies that offer no medical insurance will only offer $250,000 and less.

Your requirements for life insurance change as you get older. Your children are likely older and have their own lives. They don't need you to support them financially. You may also have paid off other debts, such as your mortgage. Many people over 50 view life insurance differently from what they did in their 20s or 30s.

Different companies have different requirements in terms of ages and health. In most cases, you will need only to answer a few questions. All insurance companies will review databases such as the Medical Information Board or the Prescription Rx data and your state DMV.