No Medical Exam Life Insurance

For some people, a medical exam is a stressful experience. Taking time away from your busy life for a life insurance medical exam can seam daunting. While steps have been made to make this process more convenient including at-home examinations, it is still an additional action some people wish to avoid. If you want life insurance coverage, but don’t want to submit to a medical exam, there are no medical exam life insurance options. If you are concerned about your health or have been turned down for traditional insurance in the past, this type of coverage may be right for you.

What are the benefits of no medical exam life insurance?

The typical life insurance application process involves completing an application, making an appointment for a medical exam, results are shared with the insurance company, an underwriter reviews the results, and you would receive policy details in anywhere from four to eight weeks after being connected with an agent.

The benefit of no medical exam life insurance is that you won’t have to wait that long. You can also skip the medical exam and save time. Insurance Best Prices can help you find no medical exam life insurance instead. Please keep in mind that without a medical exam, life insurance carriers could use the following to qualify you:

• A pharmacy report that lists the medications you have been prescribed over a period of time
• Your DMV report
• A Medical Insurance Bureau report
• Credit and financial history

You have a few options for no medical exam life insurance.

Types of No Exam Life Insurance

Simplified Issue Life Insurance

Instead of attending a medical exam, you can complete a health-related questionnaire with simplified issue life insurance. It could be the right option for you if you are between 45 and 85 and are looking for a policy $40k or under.

Guaranteed Issue Life Insurance

If you are between 45 and 85 years old you may benefit from guaranteed issue life insurance if you do not want to submit a medical exam. You won’t be asked any health questions and you can’t be turned down for coverage.

Accelerated Underwriting

If you are willing to sacrifice coverage amount, you could speed up the life insurance process with accelerated underwriting. You can get traditional life insurance coverage at the same cost but faster. However, if the insurance carrier comes across red flags they could ask you to take a medical exam.