Yes, there are life insurance policies that do not require health questions or medical exams. These policies are typically referred to as guaranteed issue or simplified issue life insurance.
Guaranteed issue policies are usually the easiest to qualify for, as there are no health questions or medical exams required. However, they typically come with lower coverage amounts and higher premiums than traditional life insurance policies. Guaranteed issue policies are often purchased by those who have difficulty getting traditional life insurance due to health issues or other factors.
Simplified issue policies, on the other hand, may require answering some basic health questions but do not require a medical exam. These policies typically offer higher coverage amounts and lower premiums than guaranteed issue policies. Simplified issue policies are often purchased by those who want a simpler and quicker application process than traditional life insurance policies.
Both guaranteed issue and simplified issue policies can be purchased by anyone who meets the eligibility requirements, but they are most commonly purchased by individuals who are older or who have pre-existing health conditions. Get a life insurance quote with no health questions asked.