If you are a senior looking for life insurance, you may wonder if you must undergo a medical exam. The good news is that several life insurance companies offer policies without a medical exam. This can be an excellent option for seniors who do not want to go through the hassle of a medical exam or may not be in good health. This guide will discuss the best life insurance policy for seniors without a medical exam.
- Why Is This Life Insurance Policy For Seniors With No Exam The Best?
- No Medical Exams
- Seniors Can Get Same-day Coverage
- Affordable policies
- Whole Life Insurance for Seniors with No Medical Exam
- Term Life Insurance for Seniors with No Medical Exam
- Next Steps
- Need Help Getting Life Insurance Coverage?
- Related reading
Why Is This Life Insurance Policy For Seniors With No Exam The Best?
We chose Ethos because they work with some of the industry’s top life insurance carriers, including Legal & General America, Ameritas Life Insurance Corp., and TruStage Financial Group, Inc, all with financial ratings of “A” and “A+.”
No Medical Exams
Ethos has an online process that allows you to answer a few health questions instead of setting up medical exams and blood tests. As a result, what took weeks can now be done in minutes, giving you more time to focus on what matters – why you bought life insurance in the first place.
Seniors Can Get Same-day Coverage
Thanks to Ethos’s quick process, most customers receive same-day coverage. So you can go from applying for life insurance to being protected in minutes. That’s how easy life insurance is with Ethos.
You can choose the life insurance policy that fits your family’s budget and needs. Ethos has life insurance is not a one-size-fits-all solution, so you should get the best policy for your family.
Whole Life Insurance for Seniors with No Medical Exam
Many Seniors find it difficult to get life insurance because of their age or health issues. That’s why Ethos offers whole life insurance, which can help your loved ones cover funeral costs and any other expenses they may have.
If you are 66-85, you can be approved quickly, regardless of your medical history. You need to answer a few health questions. And with a fast rate that will never increase, you are covered for life.
Term Life Insurance for Seniors with No Medical Exam
Your life insurance policy is on your terms with several term lengths and a wide range of coverage amounts. Ethos offers level premiums for every term policy, meaning your monthly payment will never increase during your term. Age 65 is the maximum issue age.
Older than 65
If you’re older than age 65, find term life insurance for seniors with no exam here:
No one wants to go through a medical exam if they don’t have to, and that’s why we’ve put together this guide on the best life insurance policies for seniors without a medical exam. We want to make the process as easy as possible for you, so please reach out to us for a free quote. We would be happy to help you find the right policy for your needs. Thank you for reading!
Need Help Getting Life Insurance Coverage?
If you have a preexisting medical condition and want to buy life insurance, you will need help from an expert. This person can help ensure you get coverage, so you don’t get declined.
Warning: Applying for life insurance without a medical exam can be risky. If you have been declined coverage, it could be at least two years before you can get any life insurance.