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Life insurance should be part of everyone's planning. If you've been avoiding buying life insurance because you don't want to go through the difficult, sometimes difficult, tests required, I have good news for you: many insurance companies don't offer test policies!
Best No Exam Life Insurance Companies
No medical exam life insurance is just that: life insurance, with no exams. This means no needles, no tests and no complications.
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This article will tell you everything you need to know about no medical exam insurance, including the 15 best no medical exam insurance companies to buy right now.
Now that you have a better idea of what no test insurance is and how it works, let's get into the details.
Topping the list is Haven Life, which scores an A++ with AM Best (this is their highest rating).
People love Haven Life for their insurance policies, and it's easy to see why: you can get coverage up to $1,000,000 without medical exams. To get those higher policies, you have to go through an application process so they can calculate your risk based on your age, lifestyle, background, etc.
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The minimum cost of coverage for a person without a test is about $100,000. You can buy policies for a term of 10, 15 or 20 years. If you are under 50, you have a 30-year option.
Principal Financial Group is one of the largest insurance companies that does not offer medical exam policies. They have an A+ and AM Best rating, and can give between $50,000 and $1,000,000.
The only thing found in the principal's law is that there is no exam, you have to pass certain requirements. If you can answer 'no' to a series of health questions during the application process, you're good to go. Otherwise, you need a medical examination.
You can get insurance up to $1,000,000 through their policy with terms of 10 or 20 years, with low payments as low as $8 per month.
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The only reason you might not have heard of Bestow before is because they are brand new - founded in 2017. Despite being new to the insurance game, Bestow has some great accolades and can be a great choice be if you are looking for a no test life insurance.
One insurance company you may have heard of before is Mutual of Omaha. They are one of the highest rated companies for general insurance plans, but they also do not offer trial policies.
With Mutual of Omaha, you can choose a term of 15, 20 or 30 years for your policy. Without tests, they offer coverage between $25,000 and $300,000.
Another solid insurance company, Lincoln Financial has an A+ and AM Best rating. They offer coverage between $100,000 and $1,000,000 for their no-test policies.
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The best thing about buying insurance from Lincoln Financial is that the entire application process can be done online. In most cases, you will be approved for coverage within 48 hours. Applicants between the ages of 18 and 60 can be covered without medical tests.
Transamerica's no-test life insurance policy is the best available for people of all ages. They have an A and AM Best rating, and are well reviewed by many other companies.
Through Transamerica, you can get coverage between $25,000 and $249,000 without taking any tests. The only downside is that the application process can take a little longer than other companies - sometimes up to a few weeks.
If you are between the ages of 20 and 50, you can apply for no-test life insurance with Banner Life. Coverage ranges from $100,000 to $500,000 - if you're looking for higher amounts with this company, check it out.
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Believe it or not, Gerber is more than just a brand of baby food. They also do not offer insurance policies for children and adults. With an A rating from AM Best, they are trusted by families across the country.
No test can be obtained from $25,000 and over $150,000. With low monthly premiums, this is a great insurance company for people of all ages.
Assurity is a new insurance company established in 2007 through the merger of other groups. They do not offer health insurance for anyone under the age of 55.
SBLI is another A-rated company that offers comprehensive no-test insurance. 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 needles involved.
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Coverage with SBLI ranges from $100,000 to $500,000. You can choose the length of your term, between 10 and 30 years.
Protective Life is another top no-nonsense insurance company. They have an A+ rating and offer the most accessible, affordable policies.
If you are between 18 and 45, you may qualify for coverage up to $1,000,000. Between 46 and 60, coverage is limited to $500. 000. The application process is fast, and applicants in good health can skip the phone interview to be accepted quickly.
With this company, you can get coverage between $50,000 and $250,000 without medical exams. However, it is important to note that there is no guarantee that you will not need tests until you have applied.
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When you submit your application electronically, you will receive additional information - some people will be accepted immediately, while others may need to submit medical records.
Penn Mutual offers the highest no-test life insurance of any company on this list: it can be up to $2,500,000. They have an A+ and AM Best rating, and their cost is low, considering. how much insurance is possible.
Not everyone will qualify for the high amount of insurance at Penn Mutual, especially if you have a pre-existing medical condition. If you are between 20 and 65, you can apply by completing an interview over the phone.
If you want a simple application process for your life insurance, Sagicor is a great company. Their application is completely online and no medical tests are required. They range between $50,000 and $1,000,000.
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The only downside to Sagicor is that the term they offer is 20 years - you can't get a 30-year policy from this company.
Foresters offer no tests up to $400,000. To apply, you may need to provide information such as your DMV history and prescription records, but no medical exams.
This company has been around since 1874, and has an A rating from AM Best, so you can trust them to offer quality life insurance. it's simple.
Like the idea of life insurance without medical exams? You have many options - all you have to do is choose the company and policy that suits you.
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Before using it, read some examples and reviews of the company so you know what to expect. Then think about your priorities. Whether you're looking for an easy application process, a low monthly fee, or the best advertising, there's the right plan for you.
There are many benefits to purchasing life insurance that does not require medical examinations. It's easier, less stressful, and may be easier for someone with a pre-existing condition. And you can still get a lot of publicity!
Remember, life insurance should be part of everyone's planning. With no tests, you can easily purchase your policy and have peace of mind for years to come.
No medical exam insurance allows you to purchase an insurance plan without undergoing a medical examination. It's a good idea - before you get too excited, let's think about what it actually means.
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For most life insurance policies, the purpose of the medical examination is to determine how much of a risk you are to the insurance company. Therefore, someone with a low risk (someone in better health) will usually get a lower monthly payment by taking the test.
That said, there are many benefits to skipping medical exams. For one thing, it can be stressful, both mentally and physically—not to mention time-consuming.
On the other hand, people with pre-existing health conditions should not worry about not accepting life insurance because of their medical conditions.
So there are pros and cons to going without a testing policy. If you think this is the right choice for you, your next step is to find the best type of plan for your situation.
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No test life insurance is not just one type of policy. In fact, there are 6 different types of life insurance you can buy that will allow you to skip the test. Some are easier to find than others, and some offer higher rates for certain steps.
I should also note - these types of policies can have different names and look a little different with each insurance company.
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