When getting life insurance, most people think they must undergo a long and arduous medical exam to qualify. However, this might not be the case! This guide will discuss how much term life insurance you can get without having to go through a medical exam. Keep reading to learn more!
- Can I Get Term Life Insurance With No Medical Exams?
- How Much Term Life Insurance Can You Get Without A Medical Exam?
- How Much Does No Medical Exam Term Life Insurance Cost?
- Term Life Insurance Companies For Seniors Without An Exam (We Recommend)
- Next Steps
- Related Reading
- Need Help Getting Life Insurance Coverage?
Can I Get Term Life Insurance With No Medical Exams?
Yes, you can get term life insurance without taking a medical exam! However, the amount of coverage you can get will be limited. This is because insurers rely on medical exams to help them assess your risk profile. Without an exam, they will have to base their decision on other factors, such as your age, health history, and lifestyle choices.
How Much Term Life Insurance Can You Get Without A Medical Exam?
The answer to this question may surprise you. In many cases, you can get a significant amount of term life insurance without having to undergo a medical exam! In addition, several life insurance companies now offer “no medical exam” policies.
These policies are usually available in smaller amounts (up to $2,000,000). Still, they can be an excellent option for people who don’t want to go through the hassle of a medical exam.
So, if you’re wondering how much term life insurance you can get without a medical exam, the answer is – it depends! It all comes down to which life insurance company you choose and what type of policy you’re looking for.
Do some research and compare different life insurance policies before making a decision. This way, you can be sure that you’re getting the best coverage for your needs.
How Much Does No Medical Exam Term Life Insurance Cost?
The cost of no medical exam term life insurance will vary depending on the life insurance company you choose. However, these policies are generally more expensive than traditional ones.
This is because the life insurance company is taking on more risk by offering coverage without a medical exam. Still, the price difference may not be as significant as you think.
Term Life Insurance Companies For Seniors Without An Exam (We Recommend)
As you get older, it becomes increasingly important to have life insurance. However, many seniors find it difficult to obtain coverage, as most insurers require a medical exam.
- Fortunately, Pacific Life offers no exam life insurance for seniors between 50 and 69.
- You can qualify for this type of coverage if you have seen your physician in the past 18 months.
- Pacific Life is a well-established company helping people protect their families since 1868.
- Additionally, the company is A+ rated with A.M. Best, so you can be sure that your coverage is in good hands.
If you’re looking for life insurance for seniors, we highly recommend Pacific Life.
Disclaimer: We are licensed life insurance agents for Pacific Life. If you need a quote or want to apply, contact us below. There is no charge for the service. We strongly discourage applying without the assistance of an agent because if you apply on your own and get declined coverage, for whatever reason, no other life insurance company will consider you for coverage for approximately two years.
Thank you for reading! We hope this guide has been helpful. If you have any further questions, please don’t hesitate to contact us. We’re always happy to help. And be sure to contact us if you need a quote for no medical exam term life insurance – we can help you find the best policy for your needs.
Need Help Getting Life Insurance Coverage?
Contact us if you need help purchasing a life insurance policy. The service is free of charge.