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Deciding the type of policy you need, how extensive it should be, how long it should cover, and what coverage you will need can help you ensure you get the best policy for you and any family members in case of an emergency.

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It is crucial to decide what type of policy you need, how many, for how long and how much coverage. This will help ensure that you have the right policy to protect your family and you in the event of an emergency.

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If you are unable to pay your medical bills, it is a good idea to leave enough money for your beneficiaries. Similar rules apply to unpaid bills such as utilities and car payments.

Yes, there are some insurance companies that offer life insurance without a medical exam. They usually offer guaranteed issue or simplified-issue policies. A medical exam is required for life insurance coverage. This includes a blood test and a physical. A life insurance policy that does not require a medical exam will allow you to be eligible for coverage, sometimes without the need to answer any health questions. While it is possible to obtain a term or permanent policy without having to take a medical exam, these policies can be significantly more expensive than those that do require one.

No medical exam insurance -- simplified issue -- covers you without the need to undergo physicals, blood or urine tests. You may need coverage in a hurry or have pre-existing medical conditions that make it difficult to pass a medical examination. Simplified issue life insurance may be an option that is convenient and cost-effective.

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Life insurance companies often charge higher monthly premiums for older people. There are many reasons why this is so, but the most common reason is that people over 50 experience more health problems. Around 75 percent of Americans older than 50 take one or more prescription medications regularly.

We compared over a dozen life insurance companies to find the best. We focused on features like maximum issue age, no medical-exam policy options and available riders. Financial strength and customer satisfaction ratings.

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No matter your stage in life, we have a term-life insurance policy that will meet your needs.

Many Americans feel that these low coverage amounts do not provide enough coverage to cover their families. This would mean that many families would be severely underinsured.

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Finding affordable life insurance can be difficult. Understanding your options is the first step to finding the right policy.

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return of premium term life insurance no medical exam

We compared life insurance companies for over-50s and focused on key features such as maximum age, no-medical exam policy options, available riders and financial strength.

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Without your health information, it can be difficult for an insurer to accurately assess your lifestyle. Offering insurance without performing a medical exam can lead to higher premiums. A policy that covers life insurance may still be affordable if you have a well-managed medical condition. You can compare life insurance quotes before you buy life insurance without any medical exam.

We can help you no matter where you are at this stage of your life.

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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.