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Life Insurance No Exam Required

Life Insurance Without Physical Exam

Want to buy some life insurance no exam required? It is much easier to get than most people think.

Yes, the life insurance company protects itself but if you give them the facts you will get a good policy. All they need is a true picture of your health. They do check.

They get a report from the Medical Information Bureau as well as a Pharmacy Report. They check with The Motor Vehicle Department for information on your driving habits.


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A Life Insurance No Exam Case

I recall a case years ago with a very good friend of mine. I completed a no medical exam life insurance form for him. I believe the amount of insurance he wanted then was about $250,000.

When I got to a the question where they ask if he was a citizen or a legal permanent resident of the United States he replied that he was neither. His wife had no visa either but he had 2 children born in this country and he owned a home.

He said he was working on his permanent residence. Frankly, I did not know what to do next. I took the application anyway and called the home office of my company.

I spoke with an underwriter and gave him the facts. He suggested I submit the application and send it to his attention.

After weighing all the information he approved the policy. He commented that he would not approve any additional insurance until this person gets his permanent residence.

This approval came from the toughest, yet most successful, life insurance company in the industry.

To cut a long story short, this person got his permanent residence visa and then became a citizen. His wife and himself have a highly successful business. They make in excess of $1,000,000 per year and have bought more life insurance from me since.

What I am trying to get across here is that you come straight on the application you will have a better opportunity of getting an approval.

Life insurance no exam is very commonplace today. The companies that offer these policies will approve up to $500,000 coverage without a medical exam. It is offered to people up until age 65 in some cases.

It is important to note that non medical life insurance has come a long way. Quite a few of the top carriers now offer it. Technology has reached a level where life insurance companies can get your medical history in a matter of seconds. Medical science is also at a level where so many people are living to and above age 100.

There is one carrier that will even approve up to $1,000,000 coverage if you are in good health. This particular carrier offers the policies between age 18 and age 60.


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