Can You Buy Term Life Insurance with No Medical Exam?

Are there insurance companies that offer the option of buying a term life insurance policy without requiring a physical examination, blood or urine testing?

Yes, some insurers offer up to $100,000 of life insurance without any exam.

In addition, others may offer up to $250,000 or $300,000 of life insurance coverage with no health exam being required, just some medical questions.

These plans cost more than life insurance requiring a physical exam, and the full amount of life insurance may not be available immediately.

However, each plan may vary, and the limitations on coverage can vary as well.

Make sure you understand the rate, how long the rate is guaranteed to remain level, how long the amount of life insurance remains level, and how soon the full amount of life insurance coverage goes into effect.

In addition, there may be some exclusions that apply to your no exam life insurance policy, so make sure you ask about any exclusions and how they apply to your policy.

Here's how you can learn more about term life insurance with no medical exam and request your free life insurance quote today.