Get Guaranteed Long-Term Care Insurance Regardless Of The Medical Exam

Shawn Plummer, CRPC

Chartered Retirement Planning Counselor

What is Long-Term Care Insurance Without a Medical Exam?

Long-term care insurance without a medical exam is a policy that provides coverage for care not covered by health insurance, Medicare, or Medicaid. It helps pay for assistance with daily living activities for individuals with chronic illnesses, disabilities, or other conditions. Unlike traditional insurance policies, qualifying doesn’t require a medical exam.

Guaranteed Long-Term Insurance With No Medical Exam

How Does It Work?

This type of insurance typically involves answering a few health-related questions on the application but does not require a physical examination by a doctor. Approval is based on your medical history and the answers provided on the application form.

Examples of Long-Term Care Covered

Guaranteed Long-Term Care With No Medical Exam

Benefits of No Medical Exam Policies

  • Simpler Application Process: Easier and faster to apply as there’s no need for a medical exam.
  • Quicker Approval: Since there’s no medical exam, the approval process is generally quicker.
  • Access for More People: People with pre-existing conditions might have easier access to coverage.

Considerations Before Choosing

  • Higher Premiums: These policies may have higher premiums than those requiring a medical exam.
  • Limited Coverage: Coverage might be more limited in scope and amount.
  • Pre-existing Conditions: There may be limitations or exclusions related to pre-existing conditions.

Comparison of Long-Term Care Insurance Options

FeatureWith Medical ExamWithout Medical Exam
Application ProcessInvolves health screeningNo health screening required
Approval TimeLonger due to medical reviewGenerally quicker
Premium CostsGenerally lowerMay be higher
Coverage ScopeOften more comprehensiveMay have limitations
Access for Pre-existing ConditionsMore restrictionsEasier access
Guaranteed Ltc With No Medical Exam


Choosing long-term care insurance without a medical exam can benefit those seeking quick approval and a simpler application process. It’s particularly advantageous for individuals with pre-existing conditions. However, weighing the higher premiums and potential limitations against the ease of access is important. Understanding the differences helps make an informed decision that aligns with your healthcare needs and financial situation. Contact us today for a free quote if you’re considering long-term care insurance.

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Frequently Asked Questions

Can you get long-term care without a medical exam?

Yes, it is possible to get long-term care insurance without a medical exam. Some insurance providers offer policies that have simplified underwriting or no medical underwriting requirements.

How does someone get long-term care without a medical exam?

To get long-term care insurance without a medical exam, you can research and choose insurance providers that offer policies with simplified underwriting or no medical underwriting requirements. Contact them directly to inquire and apply.

Shawn Plummer, CRPC

Chartered Retirement Planning Counselor

Shawn Plummer is a Chartered Retirement Planning Counselor, insurance agent, and annuity broker with over 14 years of first-hand experience with annuities and insurance. Since beginning his journey in 2009, he has been pivotal in selling and educating about annuities and insurance products. Still, he has also played an instrumental role in training financial advisors for a prestigious Fortune Global 500 insurance company, Allianz. His insights and expertise have made him a sought-after voice in the industry, leading to features in renowned publications such as Time Magazine, Bloomberg, Entrepreneur, Yahoo! Finance, MSN, SmartAsset, The Simple Dollar, U.S. News and World Report, Women’s Health Magazine, and many more. Shawn’s driving ambition? To simplify retirement planning, he ensures his clients understand their choices and secure the best insurance coverage at unbeatable rates.

The Annuity Expert is an independent online insurance agency servicing consumers across the United States. The goal is to help you take the guesswork out of retirement planning and find the best insurance coverage at the cheapest rates

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