No Medical Exam Life Insurance

All about life insurance without taking a medical examination.

Time, convenience, and fear of blood or needles are some of the main reasons please today are choosing to skip the exam.bypass the physical examination during underwriting and get affordable term life insurance

What’s great is:

It doesn’t cost as much as it used to. Advancements in underwriting have brought the costs of premiums down, while the speed of underwriting and approvals has gone up. If you are looking for $1 Million or less in death benefit, you can get quickly approved by a strong, reputable, life insurance carrier without paying high rates.

There is still underwriting but it’s primarily done with a series of electronic database checks that are fast.

Today many carriers offer up to $500,000 face amount and you can easily combine policies from multiple companies if you need higher. Some companies now even offer the SAME rates as their fully underwritten policies where an exam is needed.

Keep in mind:

If you haven’t been to your doctor in a while, you could actually end up paying MORE if you take the paramedical exam.

The reason is, it’s hard to know if the levels such as cholesterol or blood pressure may have risen since your last checkup. Sure, you may feel great, but just a few points higher could bump you down an entire health classification and this means much higher premiums.

We’ve written more than 20 articles dedicated to finding the best coverage without needing a medical exam.

It can be done and it’s easier than ever.

Best No Exam Life Insurance Companies and Policies

Written by Ty Stewart

When you set out to choose your life insurance plan, there are many factors you need to consider such as your budget, what kind of coverage you need, the kind of coverage you qualify for, etc…  This can all be hard enough to manage and calculate on your own. Then when you throw the hundreds of.. More

7 Best Reasons To Buy No Exam Life Insurance When Pregnant

Written by Ty Stewart

A mother’s love for her child is like nothing else in the world. A life insurance purchase is usually made to financially safeguard those you care about most – making pregnancy a primary reason to secure life insurance. During the hustle and bustle of preparing for the arrival of your little one, you can add,.. More

Cincinnati Life Insurance Company- No Exam Policy Review

Written by Ty Stewart

Cincinnati Life is known for its customer service and ethical practices. Rates are very cheap for under 100k in coverage but that is the maximum death benefit you can get without taking a physical exam. Highest health class available is…

John Hancock Life Insurance with No Medical Exam – Review

Written by Ty Stewart

A unique product, some of our clients love this no exam option. John Hancock will only allow those to skip the exam who are in excellent health so it’s not for everyone. Then, after being approved, you can accumulate health points to lower your rate by doing things like getting…

No Exam Life Insurance at New York Life

Written by Ty Stewart

New York Life is one of the largest mutual life insurance companies in the United States. In business since 1845, it’s one of the first names many people think of when life insurance comes to mind.
It doesn’t get much stronger from a financial standpoint when…

Minnesota Life – No Exam Insurance Review

Written by Ty Stewart

Minnesota Life allows electronic applications and will process most of them digitally without the need for medical records review or a telephone interview. These things may be required depending on the specifics of your file and health history.

National Western No Exam Life Insurance Review

Written by Ty Stewart

There are over 800 life insurance companies in the United States and many of them now offer the choice to skip the medical exam. You need to choose the company based on,,,.

MetLife No Exam Life Insurance Review

Written by Ty Stewart

The underwriting process with Brighthouse is quick and easy. You must answer “No” to a few questions and they will run a check of your Medical Information Bureau report. Here they can see any previous life insurance approvals or…

Fidelity No Exam Life Insurance Review

Written by Ty Stewart

Quick Summary: Fidelity is among the best for digital underwriting with no physical. They do it very fast and never need to see your doctor’s records. Overall, their no exam product is lacking and most people can find better. The pricing is…

Mutual of Omaha No Exam Life Insurance

Written by Ty Stewart

Mutual of Omaha is an extremely strong well-known company but many of our clients can do better if you need a policy that doesn’t require a physical exam. Renewability up to age 100 without new proof of…

Life Insurance Without the Exam

Written by Ty Stewart

There are many reasons why you may want to skip the intrusive medical exam when applying. Fortunately, you can still get a reasonably priced life insurance policy from a reputable company and do it without the pesky exam…

11 Reasons to Consider a No Exam Life Insurance Policy

Written by Ty Stewart

You don’t need ALL of the below to apply to you. But if ANY of these 11 situations sound familiar, you will want to at least consider a no medical exam life insurance policy….