No Med Exam Life Insurance - So you are hooked on the idea of life insurance. You know it's an important part of your financial safety net, you need to be sure you're taking care of your family in the worst case scenario, and you know it's the most cost-effective way.
While applying for life insurance is easy, the medical exam can turn some people off. Because it adds time to the process or they don't like the idea of blood and urine tests, the medical exam can be the biggest barrier to buying life insurance.
No Med Exam Life Insurance
This is where life insurance policies without a medical exam come in. Whether you're getting a simplified no-nonsense policy or an expedited promotion, you have options to skip the medical exam altogether.
What Is The Best Life Insurance Without A Medical Exam?
As the name suggests, an exam life insurance policy does not require a medical exam. Also, it doesn't require any lab work or lengthy application. Instead, this simplified subscription form usually allows you to apply for coverage by answering a few basic health-related questions. Based on your answers, we may be able to offer you a life insurance policy if your answers meet the underwriting guidelines of the insurance company you are applying for coverage with.
Banner Life tops many lists of insurance companies because the company excels in various types of life insurance.
Banner offers a higher face value of $500,000 without exam coverage and consistently offers some of the best rates around.
So do all of our rating agencies, like Transamerica, and many of their customers: the company has very few customer complaints.
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What are the disadvantages? Transamerica has coverage at $249,999; so if you're looking for a higher level of coverage, Transamerica may not be for you.
If you're old, take a close look at Transamerica. There are some best life insurance policies for senior citizens.
Mutual of Omaha offers a wider selection of no-exam life insurance plans at prices comparable to other major insurers.
Mutual of Omaha offers whole life and term plans that you can purchase without a medical exam.
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Most companies don't limit their no-exam life insurance plans to $250,000, which doesn't provide enough protection for many people.
If you need more than $250,000 but also need a no-examination policy, contact Principal Financial Group.
A director can offer a million dollar insurance even without a medical exam. Also, you can get approval within 48 hours.
While no-exam plans are more expensive than health insurance, Principal offers competitive pricing for no-exam coverage.
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You can contribute up to $150,000 in lifetime, no-hassle life insurance in the simplified exam, but if you can't afford it, Gerber also offers one of the simplest no-hassle guaranteed policies on the market.
Anyone can get $25,000 worth of guaranteed coverage, no questions asked. You should be able to get this coverage regardless of past health or previous life insurance denials.
If you need coverage as soon as possible, check with Fidelity Life. The company's RAPIDecsion life insurance has simplified the application process to make it as fast as possible.
Instead of waiting weeks to get approved for life insurance, you can get coverage within 48 hours.
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Fidelity's RAPID Decision Express policy allows applicants to bypass the medical exam and offers coverage from $25,000 to $250,000, depending on your age.
With over 120 years of life insurance, Assurance is one of the oldest and most established companies on our list.
Asurity's NonMed Term 350 life insurance policy allows anyone ages 18-65 to purchase up to $350,000 in life insurance, which is $100,000 more than most companies can offer without a medical exam.
We can't list the best medical screening plans without including Sagicor. This company has proven to be one of the best places to buy life insurance without a medical exam.
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Sagicor has only three rating classes, keeping subscription processes simple and fast. You can get coverage from $25,000 to $500,000 at competitive rates without an exam plan.
Along with the simple subscription comes a simple ordering process. Many applicants can complete the entire application in 30 minutes or less.
Applicants up to age 80 can use Phoenix Life's Safe Harbor Term Life Express policy, and the company excels in a variety of riders that allow you to customize your plan.
If you are concerned about how to deal with a long-term illness that prevents you from earning these riders but does not allow you to access the life insurance death benefit.
Best No Medical Exam Life Insurance
Name recognition carries a lot of weight with insurance, but you can't always depend on it. Foresters, for example, offer quality insurance, even if you don't know about it.
Foresters has an A rating from AM Best, which means it should be a reliable partner for your long-term insurance needs.
The company's most popular option is the PlanRight Whole Life Insurance policy. These plans are permanent coverage, meaning you will keep the coverage as long as you pay the premium.
Rangers have one of the lowest award rates, but they do have some requirements you must meet.
Choices For Life Insurance With No Medical Exam
Each plan has different benefits and coverage limits that you can choose from. American National's plans range from $25,000 to $250,000.
In addition, the company has one of the fastest order processes you will find. You can complete the entire process and get coverage in 15 minutes.
Finally on our list is Americo, which offers up to $250,000 of insurance over 20 to 30 years.
Among American's strengths is the additional accidental death benefit. If you die in an accident, your family will receive an additional 25 percent of the face value of your policy.
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Americo also has the option of reclaiming the prize. Like most premium drivers, expect to pay more and be sure to read the fine print. Most drivers refund premiums only at the end of the term and not if you stop paying the premium during the term.
There are several situations that make study life insurance ideal for customers. One of the most obvious is if you are in poor health or have a pre-existing medical condition. With most health conditions, traditional life insurance rates can go through the roof, which is not necessarily the case with term insurance policies.
Another situation is when you need life insurance fast. A traditional life insurance policy can take weeks to purchase because of all the paperwork and medical hoops you have to jump through. You can have a policy for a few hours without exam insurance.
Buying term life insurance without a medical exam can seem a little confusing, but that's where the help of a good agent comes in. There are many variables to consider and you always want to make sure you are making the best choice.
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Contact us today and we'll answer all your questions over the phone, we're here to help. Compare life insurance companies and hundreds of insurance policies from the comfort of your home. Whatever type of life insurance you are looking for; we will have Our independent licensed agents do not work for insurance companies; they work just for you!
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Remember that we have access to more than 60 companies. Some of these companies are faster than others because they use accelerated promotion technology. We will find an insurer who can buy you insurance when you need it.
You are assigned an independent licensed consultant to help you through every step of the application process and more!
We have long understood that no one likes dealing with paperwork, applications and life insurance companies. I mean, do you enjoy spending hours of your life doing these things? Of course not. We handle all this and more for you at no extra cost.
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Life Insurance No Medical Exam
No matter what type of life insurance you need, we have it. We offer all coverage options from A-Z. Buy, apply, approve – You can even make changes to your policy after approval!
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