We have a new baby and we both need to be insured for life insurance. Is it possible to purchase affordable life insurance without a physical exam?
Yes, depending on your age and health, there are insurance carriers that offer life insurance with no physical exam. In fact, most insurers offer people up to $100,000 of life insurance without requiring a paraded exam, or physical. But that depends on your age, health, and the insurance company underwriting guidelines.
The life insurance policies offering more coverage with no physical exam do require you to answer some health questions, and your approval will be based on your answers to those health questions.
In addition, the amount of life insurance available without an exam may be limited to about $300,000 or less.
And, the rate you pay for no physical exam life insurance coverage will usually be at least to 10% more than life insurance requiring a physical, because no physical exam life insurance may end up accepting some applicants who may not qualify for a regular life insurance policy with an exam.
Some insurers offering no physical life insurance may include Fidelity Life, Garden State Life and Globe Life and Accident Insurance Company, among others.
Here's how you can learn more about no physical life insurance and request your no physical exam life insurance quotes online.
Yes, depending on your age and health, there are insurance carriers that offer life insurance with no physical exam. In fact, most insurers offer people up to $100,000 of life insurance without requiring a paraded exam, or physical. But that depends on your age, health, and the insurance company underwriting guidelines.
The life insurance policies offering more coverage with no physical exam do require you to answer some health questions, and your approval will be based on your answers to those health questions.
In addition, the amount of life insurance available without an exam may be limited to about $300,000 or less.
And, the rate you pay for no physical exam life insurance coverage will usually be at least to 10% more than life insurance requiring a physical, because no physical exam life insurance may end up accepting some applicants who may not qualify for a regular life insurance policy with an exam.
Some insurers offering no physical life insurance may include Fidelity Life, Garden State Life and Globe Life and Accident Insurance Company, among others.
Here's how you can learn more about no physical life insurance and request your no physical exam life insurance quotes online.
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