Can You Buy Term Life with No Medical Required?

Whether or not you can buy a term life policy without a medical exam depends on your age, health, and the insurance company guidelines for approval without an exam.

Many life insurers may offer up to $50,000 of life insurance, or maybe $100,000 without an exam.

However, some insurers may provide up to $250,000 or more of term life coverage with no medical exam being required, but there are some health questions you answer when applying for the life insurance.

No medical exam life insurance plans can vary, with some offering immediate coverage, while other have a graded benefit period of 2 years before full coverage is available from your life insurance policy.

Also, the amount of life insurance varies for no exam plans from $10,000 up to $300,000.

And, the rates on no exam life insurance will usually run about 10% (or more) higher than rates on life insurance that does require a physical examination.

The benefits of no exam term life may include:

1. Same day approval.
2. No need to meet with an agent.
3. No lengthy physical exam, blood or urine testing.

You can learn more and request a free quote at term life with no exam.