Can You Get Life Insurance Without A 2-Year Waiting Period?

Shawn Plummer

CEO, The Annuity Expert

Can You Get Life Insurance Without A 2-Year Waiting Period?

Yes, it is possible to obtain life insurance without a two-year waiting period. However, this typically requires undergoing medical underwriting. During this process, the insurance company assesses your health status through medical exams, health records, and lifestyle information. This evaluation helps the insurer determine your risk level and set premium rates. If you’re in good health, you may qualify for immediate coverage without a waiting period.

Understanding Medical Underwriting

What is Medical Underwriting?

  • Medical underwriting is a risk assessment process used by insurance companies.
  • It involves evaluating your health, medical history, and lifestyle.
  • This process determines your eligibility for life insurance and premium rates.

The Benefits of Medical Underwriting

  • Can lead to lower premiums for healthy individuals.
  • Offers immediate coverage without a waiting period.
  • Tailors the policy to your specific health profile.

The Process

  1. Application: You fill out a detailed health questionnaire.
  2. Medical Exam: A physical exam that may include blood tests, urine tests, and other health screenings.
  3. Health Records: The insurer reviews your medical history.
  4. Lifestyle Evaluation: Questions about your lifestyle, such as smoking, alcohol use, and hobbies.

Potential Outcomes

  • Approval: You get life insurance without a waiting period.
  • Higher Premiums: If risks are identified, premiums may be higher.
  • Denial: In some cases, if the risk is too high, coverage may be denied.

No Waiting Period: Key Points

  • Immediate Coverage: Coverage starts as soon as the policy is issued.
  • Full Benefits: Full death benefit is available from day one.
  • Suitable for Many: Ideal for those in good health seeking quick coverage.


Opting for medical underwriting when applying for life insurance can provide immediate coverage without a waiting period, especially for those in good health. It’s a way to secure peace of mind, knowing that your policy is active from the start. For personalized insurance solutions that fit your needs, contact us today for a free quote.

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Shawn Plummer

CEO, The Annuity Expert

Shawn Plummer is a licensed financial professional, 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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