life insurance no medical exam

This type of policy's premiums are typically higher than those that have a traditional health exam. You may have coverage that is between $25,000 and $300,000 depending on what your evaluation revealed. You may have simplified issue insurance written, depending on whether you have term or whole life coverage.

These premiums are more expensive than those for traditional policies with a physical exam. Based on your evaluation, coverage may be limited to between $25,000 and $300,000. Your policy may provide coverage for either whole life or term life.

An insurance company cannot evaluate your health and lifestyle without access to health-related information. Higher premiums offset the risk of offering insurance without conducting a health examination. You may still be eligible for traditional life insurance policies with a lower premium if your medical condition is well managed. Compare life insurance quotes before you decide to get life insurance without a physical exam.

This policy has a higher premium than a traditional policy that includes a health exam. Your evaluation may result in coverage caps ranging from $25,000 up to $300,000. Simplified issue insurance can be written depending on the policy. It may be for whole or term life coverage.

For most life insurance policies, a medical exam is mandatory. This exam can be used by the insurance company to determine your risk and establish your premium. If you have a serious condition, you might think life insurance is not for you.

Some insurance companies offer life insurance that does not require a medical examination. This is usually guaranteed-issue or simplified-issue policies. Life insurance coverage typically requires a medical exam. This usually includes a physical examination and blood tests. However, life insurance that doesn't require a medical examination allows you to get coverage without any exam. It is possible to get a term or permanent insurance policy without a medical examination, although this type of coverage can be more costly than ones that require one.