First, most life insurance companies do not require a medical exam if you are under 40 and buying $50,000 or less of life insurance.
However, the amount of life insurance available will depend on the insurance company guidelines, and your age and health, among other personal risk factors, such as, your occupation, hobbies, family health history, if you smoke or not, driving record, credit history, height-to-weight ratio, lifestyle, etc.
Some insurers offer up to $500,000 of simplified term life insurance with just a health questionnaire for you to answer.
While other insurers offer up to $50,000 of no exam life insurance that has graded benefits that do not provide full coverage until you have been insured for at least 2 years under the life insurance policy. This type of life insurance is usually purchased by high risk applicants, or those who are older, overweight, or have health issues.
It is possible for healthy individuals ages 18 to 60 to qualify for up to $350,000 of term life insurance with no health exam and start their life insurance policy the same day, if approved. Coverage is underwritten by a life insurance company established in 1848, and rated "A" excellent by AM best for financial strength. Learn how you may qualify for life insurance with no medical exam required.