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If you need life insurance fast, then no exam life insurance may be the right choice. The approval can take just a few business days. Those who don’t have the time to go to the doctors or are afraid of needles. It's suitable for people who don't qualify for traditional life insurance. This type of life insurance does not require any exam and offers immediate coverage.

Life insurance can be used to provide for a new family. They want to be able to support their spouses and children in the way they have become accustomed to.

Different companies have different requirements about ages, health, or face amount. In most cases, you will be required to complete a brief questionnaire. All insurers will check databases such a the Medical Information Board, Prescription Rx and your state DMV.

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While many companies will advertise these policies through the media, it's important to tread carefully before you jump on board. Life insurance is a good example. Because there are at least six types of no-exam life insurance.

For personal reasons such as being a firefighter, window washer or construction worker, you may not need to have a medical exam for life insurance. Smoking, pre-existing conditions or being a smoker are all reasons to not have life insurance with no medical exam. You may be afraid of needles and want life insurance that doesn't require a blood test. There are two options: you can choose no-hassle insurance that does not require waiting. Lower rates are available for younger applicants than traditional life insurance.

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Only a small number of life insurance companies offer non-exam life insurance policies. One problem with these companies is their limited benefit ceiling. This means you will have to pay a lot more than what is available.

Ask your agent if they offer this option. It will make the process exponentially simpler.

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New families often turn to life insurance to cover their needs. They want their spouse and kids to live the lifestyle they are used to.

Many Americans are simply too busy to attend a medical check. It can be tedious and time-consuming.

You should also leave enough money to your beneficiaries if you need it. Same goes for outstanding bills like car payments, utilities, and other daily living expenses.

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There is no limit to the coverage. The coverage and premiums can be used for the rest of a person's life.

Decide what kind of policy you need, how big your coverage should be, how long you need it for, and how much. This will help you to choose the right policy that is right for you and your family.

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This policy is more expensive than traditional policies that include a health exam. The coverage limits that may be available to you after your evaluation could range from $25,000 to $300,000. Depending on the policy, simplified issue insurance may be written. It can be whole- or term-life coverage.

Coverage that lasts for a set number of consecutive years. The policy ends and the coverage ends.

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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.