If you are between age 18 and age 60 you can get up to $1,000,000 Term Life Insurance from the Principal without a physical exam. You must be in Very Good Health, you need to qualify in the Select or Select Plus category.
If the carrier picks up any negative health history in the MIB report or the Pharmacy Report they will ask for a Paramed Exam.
You can qualify here for up to $500,000 TermAccel life insurance if you are between age 18 and age 50, no medical exam is required. You can apply for $100,000 to $500,000 15 year, 20 year and 30 term life coverage. One attractive Lincoln feature is that applicants who chew tobacco get to use Non Smoker rates.
Banner Life now offers offers life insurance without your having to do a physical, you need to be in good health to qualify. If you are between age 20 and 50 you can apply for up to $500,000 term life insurance at very low premium rates. You need to fall in the Standard Plus, Preferred or Preferred Plus health categories. If you use tobacco you do not qualify.
This carrier offers up to $500,000 10 year term, 15 year term and 20 year term life insurance no medical exam required. They also offer a no lapse universal life policy. Applicants must be between age 18 and age 65.
Assurity Life offers up to $350,000 coverage without a physical exam if you are between age 18 and age 65. This is a fully underwritten policy that requires no medical, just answers to the health questions. Approval tends to take a little longer than the others, 2 to 3 weeks.
American National offers Simplified Issue policies for 10 years, 20 years and 30 years. The face amounts must be between $50,000 and $250,000. Applicants should be between ages 18 and 64. No physical exam is required, just a few health questions.
Non medical life insurance has come a long way. Until recently there were just a few companies willing to offer life insurance online with no medical exam required. As you can see the numbers are growing, top carriers are jumping on with very low premiums.
Why is this so? Life insurance companies have been quietly doing their research. They are becoming more aware that the information they need to assess a risk can be obtained from a more cost effective source, or sources. The Medical Information Bureau is pretty efficient. Obtaining Pharmacy information is also quite easy.
The companies listed above are the most attractive for life insurance without a required medical.
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I recently did some research on the development of the 30 year term insurance policy over the years. What I learned was quite interesting.
Want to buy some life insurance no exam required? It is much easier to get than most people think.