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Life insurance should be part of everyone's plan. If you've been avoiding buying a life insurance policy because you don't want to go through the annoying, sometimes difficult tests, I've got good news: Most insurance providers don't offer test policies!
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Medical exam life insurance is exactly what it sounds like: a no-exam life insurance policy. This means no injection, no test, no stress.
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This article tells you everything you need to know about medical test insurance, including the 15 best companies that offer medical test insurance policies you can't afford right now.
Now that you have a good idea of what exam insurance is and how it works, let's get into the details.
Topping the list is Haven Life, which has an A++ rating with AM Best (which is their highest rating).
People love Haven Life for their affordable insurance policies, and it's easy to see why: you can get up to $1,000,000 in coverage without any medical tests. To access those higher coverage policies, you have to go through an application process so you can get coverage based on your age, lifestyle, background, etc.
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Standard minimum coverage without a test applicant is around $100,000. You can buy policies for 10, 15 or 20 years. If you are under 50 years, you have an option for 30 years.
Principal Financial Group is one of the top rated insurance companies that do not offer medical examination policies. They have an A+ rating with AM Best and can provide coverage between $50,000 and $1,000,000.
The only problem with the principal's exam policy is that you have to meet certain requirements. If you answered 'no' to the health-related questions during the application process, you're good to go. Otherwise, you need a medical examination.
With 10 or 20 years, you can get up to $1,000,000 in coverage with their policies, and premiums are as low as $8 a month.
Best No Medical Exam Life Insurance
The only reason you haven't heard of Pesto before is because they're so new - founded in 2017. Even if you're new to the insurance game, Pesto gets great reviews and may be the best choice for you. There is no choice of life insurance policy.
You may have heard of Mutual of Omaha before. They are one of the most highly rated companies for traditional insurance plans, but they also offer affordable options.
At Mutual of Omaha, you can choose a 15, 20 or 30 year term for your policy. Without options, they offer coverage between $25,000 and $300,000.
Another well-established insurance company, Lincoln Financial, has an A+ rating with AM Best. They offer coverage from $100,000 to $1,000,000 for any policy option.
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The best thing about buying insurance through Lincoln Financial is that the entire application process can be done online. In most cases, you will receive coverage within 48 hours. Applicants aged 18 to 60 can get insurance without a medical examination.
Transamerica's no-test life insurance policies are very affordable for people of all ages. They have an A rating with AM Best and are well reviewed by many companies.
At Transamerica, you can get optional coverage from $25,000 to $249,000. The only disadvantage is that the application process may take a little longer than other companies - sometimes up to several weeks.
If you are between the ages of 20 and 50, you can apply for non-selective life insurance with Banner Life. Coverage amount from $100,000 to $500,000 - If you are looking for a higher coverage amount with this company, you need to make choices.
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Believe it or not, Gerber is not just a baby food brand. We also offer exam insurance policies for children and adults. With a rating from AM Best, you're trusted by families across the country.
Accessible exam coverage starts at $25,000 and tops out at $150,000. With low monthly premiums, it is a great insurance company for people of any age.
Assurity is a new insurance company founded in 2007 by the merger of several groups. They do not offer medically tested life insurance policies to people under the age of 55.
SBLI is another A-rated company that offers full coverage with no opt-ins. You can apply if you are between 18 and 60 years old. The process usually takes a few days, but there are no tests or injections.
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Coverage with SBLI ranges from $100,000 to $500,000. You can choose your tenure from 10 to 30 years.
Defensive Life is another highly rated company that has no test insurance policies. They have an A+ rating and offer affordable, affordable policies.
If you are between the ages of 18 and 45, you may qualify for up to $1,000,000 in coverage. Between 46 and 60, coverage is $500,000. The application process is quick and applicants in good health can skip the phone interview and be accepted quickly.
With this company, you can get coverage from $50,000 to $250,000 without any medical examination. However, it is important to know that there is no guarantee that you will not need tests until you apply.
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When you submit your electronic application, you will receive additional information - some will be accepted immediately, while others may require you to submit medical records.
Penn Mutual offers the highest non-elective life insurance coverage of any company on this list: up to $2,500,000. They have an A+ rating with AM Best and their premium rates are very low. How high can the coverage be?
Not everyone is eligible for higher coverage rates at Penn Mutual, especially if you have a pre-existing medical condition. If you are between the ages of 20 and 65, you can apply by completing a telephone interview.
If you want an easy application process for your life insurance, Sagicor is a great company. Their application is completely online and no medical tests are required. Coverage limits are between $50,000 and $1,000,000.
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The only downside to Sagicor is the long term they offer is 20 years - you can't get a 30 year policy with this company.
Forests does not offer coverage up to $400,000. To apply, you must submit information such as your DMV history and prescription records, but there are no medical exams.
The company has been in business since 1874 and is rated AM Best A, so you can trust them to provide fair and affordable life insurance policies.
Do you like the idea of life insurance without medical tests? You have many options - all you have to do is choose the company and policy that works for you.
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Be sure to read some of the company's ratings and reviews to know what to expect before applying. Then consider your priorities. Whether you're looking for an easy application process, lower monthly premiums or better coverage, we have the right plan for you.
Buying a life insurance policy that does not require a medical examination has many advantages. It's easier, less stressful and more accessible for someone with a pre-existing medical condition. You can get better coverage!
Remember, life insurance should be part of everyone's plan. With no choice, you can simply buy your policy and enjoy years of peace of mind.
No medical examination insurance does not allow you to buy an insurance plan without undergoing any medical examination. The concept sounds good - but before you get too excited, let's think about what it means.
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For most life insurance policies, the purpose of medical exams is to determine how much of a risk you are to the insurance company. Therefore, a person with lower risk (a person in better health) may earn a higher monthly premium with more frequent admissions.
Avoiding medical tests has many benefits, he said. For one thing, they can be both mentally and physically stressful—not to mention time-consuming.
Another thing is that people with pre-existing medical conditions don't need to worry about being denied life insurance because of their medical diagnosis.
So going with a no-choice policy has pros and cons. If you think this is the right choice for you, your next step is to find the best plan for your situation.
Understand Your Health Classification
Any term life insurance policy is not just one type of policy. In fact, there are 6 different life insurance policies you can buy that will allow you to avoid probate. Some are a little easier to find than others, and some offer extra coverage for extra steps.
It should be noted - these types of policies may go by different names and have slightly different features with each insurance provider.
It is a policy designed to provide simple term life insurance.
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