There are no costs to doing so. The following agent license numbers are provided as required by state law: TX agent #2036537, LA agent #668022, AR agent #3638783 and MN agent #40565105. For some, these policies can provide peace of mind knowing their loved one’s needs can still be covered even if they are older or have a medical concern. Guaranteed issue whole life insurance meets the needs of people with health conditions that would preclude the issuance of a more traditional term or whole life policy. Disclaimer: The operator of this website is not an insurance broker or an insurance company, is not a representative or an agent to any broker or insurance company, does not endorse any particular broker or insurance provider and does not make any insurance decisions. Most insurance companies who use a no health questions application balance the risk of the unknown by charging higher monthly premiums. Call Today 888-234-8376. Others will restrict access to these policies to those who are over the age of 50. My goal is to educate you on the process of buying final expense insurance while earning your trust with excellent customer service and personal attention. General Knowledge & Learning. As much as the simplicity of not answering any health questions might sound less intimidating and easier, you might be able to save money by answering a short yes or no health questionnaire as part of your application. Depending on the chosen program, you can partially or completely protect yourself from unforeseen expenses. Typically, the questions relate to your medical history, any recent hospitalizations, your height and … You know you have an illness, or perhaps you are overweight. However, it also comes with limits. The key here is to know that buying this type of life insurance may cost you more than purchasing a traditional term life insurance. Life insurance companies will often require people applying for a standard term life insurance policy or a whole life insurance policy to have a medical exam completed. They vary quite significantly in their cost, coverage amounts, approval times, and medical questions, so be very cautious before jumping on the band wagon. NO MEDICAL EXAMS MEANS YOU PAY LOWER RATES FOR MORE COVERAGE - PERIOD "No medical exams means you pay lower rates for more coverage" (Simplified Issue). Listly by termlife77. You can easily compare policies, both with an exam and without, to find out which may offer better terms for you. The quotes, rates or savings advertised by\on this website are not necessarily available from all providers or advertisers. A life insurance company is not in the business of just giving away insurance. We have over 10 carriers who offer no medical exam life insurance. No medical questions; 30 day money back guarantee; If you have financial commitments and people who depend on you, life insurance is a must have. We also have life insurance policies with no medical exam needed. These policies may offer coverage ranging from $5,000 up to $10,000. Life Insurance with no health questions might sound like a great idea but hopefully you have discovered that for a few minutes of your time, you can get more coverage and pay less money. Therefore, the amount of compensation provided, along with other factors, may impact which policy / offer you are presented. By submitting your personal information, you are making a consumer inquiry for insurance offered by licensed insurance agents. There are 3 types of approvals with whole life insurance. Many people do not know who offers no medical exam life insurance policies. Sometimes people discover the best plan for them is a type of life insurance with no health questions asked prior to approval. People, in fact, can get some coverage up to age 65 if they are in favorable health. For example, Accidental Death Life Insurance offers you up to $1,000,000 of life insurance protection with no medical exam and no health questions to answer. For those hoping to find life insurance with no health questions, it helps to have an explanation of how the application process and approval works to understand just how easy it is. There are three caveats to these plans. Simplified issue life insurance policies are still no exam life insurance policies, but are a step up from guaranteed issue policies in terms of the underwriting process.. Medical questions are asked, and background checks are done to assure that you are who you say you are, and the company can properly assess risk. They may also use it to determine how much to charge you for coverage. If you need life insurance, you shouldn’t let a medical exam be the only reason why you don’t apply for it. Term life insurance policies with no medical exam are comparable to a medically underwritten life insurance policy and still ask the same life insurance medical questions. And if the accident / insurance event occurs, the insurance company will bear all or all of the costs in full or in part. However, many no medical exam question term life insurance policies do not become available to men and women who are under the age of 50. If you’re in good health with a good medical history, you could receive quick coverage at a great price. We encourage you to research all available insurance policy vary by product and underwriting requirements offering! All “ a ” rated + companies rates and time taken to qualify and purchase a life insurance brokers contact! Is available from several insurance carriers giving away insurance may be more to., some of these policies may offer coverage ranging from $ 5,000 up to age 65 if are. 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