No Medical Exam Life Insurance
Traditional term life insurance policies require a medical exam. This means that a medical practitioner will come to your home and conduct an exam that requires urine and blood samples. Many people are not comfortable with this, and it has led to a high number of under insured Americans. This has led to life insurance companies offering products that do not require a health examination.
Who is it for?
Anyone looking for term life insurance coverage with a death benefit under $400,000 who:
- Do not wish to take a medical exam and have blood drawn or suffer from white coat syndrome. - Have a busy schedule or travel frequently and cannot find the time to schedule an exam. - Need life insurance fast due to the closing of a loan or court order.
What is Non Med Life Insurance?
Life insurance that does not require an exam is very similar to traditional term life insurance. The coverage amount is limited, but the term lengths are the same. No medical exam life insurance, or simplified issue life insurance, is designed for those in the market place with anywhere from preferred to standard health. Those who are able to purchase a simplified issue policy are not required to undergo the physical medical exam that may be required when purchasing a policy.
Why Get No Exam Coverage
Simplified issue coverage allows an individual to purchase term life insurance in a matter of minutes. It is only slightly more expensive, but the time saved is invaluable.
What is the Application Process Like?
This depends on the insurance company you choose. NoExam.com has several options that range from just a few minutes to up to 48 hours for approval. The applications usually consist of some medical history questions, and the insurance company will check your prescription report and motor vehicle record. Click here to see how medical conditions and medications can affect your rates.
What Our Customers Say
Buying life insurance was a huge priority, but a medical exam was not something I was looking forward to. NoExam.com made the process simple and fast. Within minutes, I was insured, and my family protected.
As my parents grew older the last thing we wanted to discuss was funeral expenses. With NoExam there was no need for concern. The application was easy for them to complete online and the policy was in place almost immediately. They can now focus on spending time with their growing bunch of grandchildren.
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NoExam.com only uses your information to provide instant quotes and coverage. Policies on our website are available for purchase online and can be completed in 15 minutes. Our underwriting carriers consist of A.M. BEST accredited providers with a proven track record of financial stability.
Choose Your Monthly Payments
Create your own monthly payment plan for your insurance coverage with our payment date options tool. With flexible payment options you can rest assured your policy premium payments are scheduled to your own convenience.
Your premium payments do not change at any point during the duration of your coverage.
Money Back Guarantee
If you are not fully satisfied with your policy you may cancel your policy at any time within the first month and receive a full refund of your first months premium payment. A policy cancellation must be done within each applicants “free look” period.
Companies We Work With
National Life Group offers no medical policies available for purchase directly on our website. With thirty billion dollars in assets, National Life Group is recognized by A.M. Best as an “A / Excellent” rated insurance provider with an outstanding financial outlook.
Founded in 1890, Assurity is one of the longest standing and most reputable insurance providers in the market today. With over two billion in assets, and an “A- / Excellent” rating from A.M. Best, Assurity is a stable leader in the market place.
Founded in 1836 Legal & General currently operates with over three hundred billion in assets. With an A.M. Best rating of “A+ / Excellent”, Legal and General remains one of the top financial institutions in the country.
Metlife began its operation in 1868. Currently, Met is recognized as one of the largest companies in the world boasting over seven hundred billion in assets. Metlife offers up to $250,000 of term life insurance without a physical exam. Their “A++ / Superior” A.M. Best rating puts them in a class of their own.
Sagicor Life Insurance Company specializes in no medical life insurance coverage for individuals up to age 65. Established in 1840, Sagicor has nearly six billion in assets and remains a reputable national coverage provider.
Mutual Of Omaha has been helping individuals secure coverage through the independent insurance agent channel since 1909. Holding a “A+ / Excellent” rating with A.M Best, along with being a fortune 500 company, has secured Mutual Of Omaha as a top provider in the United States.