shopify analytics ecommerce
tracking

Life Insurance No Medical Exam

About The Life Insurance Companies

The Principal

Life insurance no medical exam required. 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.

The Lincoln

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

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.

Sagicor Life

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

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

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.

Life Insurance No Medical Required

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.

Home

Tools And Resources

Life Insurance Need Calculator

Recent Articles

  1. Life Insurance - Do You Really Need To Own A Policy?

    Life insurance is one of those taboo subjects for normal, casual, or friendly conversation. Whenever people, however, develop a life threatening illness, have a close encounter with another vehicle on…

    Read More

  2. Instant Term Life Insurance Quotes - Quality Term Insurance

    The availability of instant term life insurance quotes on the Internet makes buying life insurance a "walk in the park". Some companies do take the application online while others send you an agent af…

    Read More

  3. How Does Life Insurance Work - Life Insurance Explained

    How does life insurance work? What is life insurance all about? What can it do for me? Most people ask these questions at some point in their lives. Let us look at the subject and see how these questi…

    Read More

  4. Cheap Term Life Insurance Quotes - Cheap Term Insurance Rates

    How can you get cheap term life insurance quotes? You want to buy some life insurance but you first want to have an idea how much to buy and what will it cost. The life insurance business has come a l…

    Read More

  5. Cheap Life Insurance Quote - Cheap Term Life Insurance

    Want a cheap life insurance quote? If you are in search of cheap life insurance it may be an interesting exercise to look at what is available before you start.

    Read More