Term Life Insurance No Exam
What is term life insurance with no exam?
Term life insurance with no medical exam required is temporary life insurance
usually lasting from 1 to 30 years. You do not have to take any physical examination,
blood or urine test to qualify. However, there are some health questions you answer
which help to determine if you qualify to buy a policy.
How does no exam term life insurance work?
No exam life insurance offers you the chance to apply online for your life insurance
policy and answer a health questionnaire which determines your acceptance for
How much life insurance can I get without taking an exam?
Some no exam life insurance plans offer from $7,500 up to $50,000 of coverage,
while others may provide $25,000 up to $300,000 or more of term life insurance
What factors affect my approval for no exam life insurance?
There are several individual risk factors that will impact your acceptance for
coverage. Among the main risk factors are your age, health, family health history,
occupation, hobbies, height-to-weight ratio, driving record, and if you smoke or not.
However, the importance of these risk factors may vary by insurance company
offering the coverage.
How long is coverage available?
Life insurance with no exam may provide coverage for a period of 10, 15 or 20
years. These plans may provide level premiums which remain the same each year,
or there may be graded premiums where the premium increases after every five
year period of the length of your policy.
Can I apply online?
Yes, no exam life insurance policies offer you the chance to apply online, over the
phone, or by mail, depending on the plan and the insurance company offering
Does the life insurance start immediately or is there a waiting period?
Some of the no exam life insurance policies offer immediate coverage once you are
approved which may take a day or less. While other plans considered graded benefit
may not provide full life insurance coverage until you have been insured for at least
2 years under the policy.
What insurance companies offer term life with no exam?
There are many life insurance companies that will not require a physical exam
unless you are requesting $50,000 or more of coverage, or you are over a certain
However, several insurers may offer no exam life insurance, including Fidelity Life,
Globe life and Accident Insurance Company, Colonial Penn, Mutual of Omaha, and
garden State life, among others.
What are the main benefits of term life insurance no exam required?
The main benefits of no exam life insurance coverage may include quick and easy
approval, no lengthy application process, no high-pressure sales pitch, no need to
meet with an agent, same day approval if qualified.
Basically, some of the no exam life insurance policies offer you the chance to buy up
to $300,000 of life insurance without having to take any physical examination. And,
if you are approved, you may be able to start your life insurance the same day.
You can learn more about term life insurance no exam at http://www.term-life-