Your acceptance for coverage may be based on your answers to some health questions asked of you when you request your life insurance quote or apply for the life insurance policy.
Usually, the rate you pay for term insurance with no exam may be higher than if you were to buy a term life insurance policy that does require you to take a physical exam.
Also, some insurers may offer different amounts of life insurance without any exam.
In addition, graded life insurance policies do not provide the full amount of protection until you have owned the life insurance policy for 2 or more years, usually.
But, there are some insurers that may offer up to $300,000 of term life insurance with no exam, and the coverage is full coverage from day one that you own the policy.
Here's how you can learn more about no exam term insurance and find out today if you qualify to purchase your life insurance protection without having to take any examination.