What is the best life insurance company that doesn't raise premiums and don't require exams....but still provides full life insurance?
There are several life insurance companies that may offer no exam life insurance, including Globe Life, Liberty Life Insurance, Colonial Penn, Garden State Life, and Mutual of Omaha.
Usually, the life insurance plans with no exam required offer a term life insurance policy that lasts for a set number of years, for instance, 10, 15, 20 or 30 years. In addition, although there may be no physical exam, there are still a few health questions to answer when applying for this type of life insurance.
Also, the amount of life insurance available without an exam may be limited to $250,000 or less, and the rates may be higher than you would pay for a life insurance policy requiring a medical exam. Here's an article on finding the best price no physical exam for life insurance.