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.

Review of Fidelity no physical exam life insurance

Fidelity No Exam Life Insurance Review

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…

Review of Mutual Omaha no exam life insurance policies

Mutual of Omaha No Exam Life Insurance Review

Shortcut: If you are just looking for quotes, please select “Mutual of Omaha -Term Life Express” in the quote results from our form on the left or above (mobile) To learn more about our review  Mutual of Omaha no exam life insurance, please continue reading. Quick Summary: Mutual of Omaha is an extremely strong well-known company […]

Compare Best No Exam Life Insurance

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11 Reasons to Consider a No Exam Life Insurance Policy

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The 4 Types of No Exam Life Insurance Policies

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No Exam Life Insurance Underwriting Process

Your application for life insurance will consist of specific questions about your medical history and sometimes that of your family. Since these policies do not rely on the results of a paramedical examination, expect the….

Shopping No Exam Life Insurance: 5 Things to Watch out

These topics don’t get much discussion when it comes to no medical exam insurance but they ARE still important. Below we’ll discuss some common pitfalls to watch out for and how these relate specifically to shopping for no exam life insurance…..

Life Insurance with Medical Exam – When to Take the Exam?

Let’s explore a few situations when it makes sense to take the medical exam: 1)You regularly smoke cigarettes or use tobacco products 2)You have a complex or unique medical history….

3 Common Myths About Life Insurance Without the Medical Exam

Life insurance can be confusing. With that confusion comes common misconceptions.I n talking with clients, we continually run into a few of the same myths…

Exam vs No Exam Life Insurance: A True Cost Comparison

Yes, most people will pay a little more for the convenience of skipping the medical exam. But I have some good news. It’s not nearly as much as you think if you apply at the right company….

Transamerica life insurance with no exam

Transamerica No Medical Exam Insurance

Transamerica is a very strong company that is well known. Price is middle of the pack compared to other no exam options. Nice included benefits and will look favorably on certain medical conditions. Not a company we…

review of Foresters no exam life insurance policy

No Exam Insurance with Foresters

Foresters is a solid company but for no exam life insurance, most people can find better options. They don’t offer short terms (10 or 15 year) and are priced on the high side. Standard health class is the

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