What is No Exam Life Insurance?

If you're shopping for life insurance coverage you may have come across no exam life insurance.

A no exam life insurance policy is life insurance that does not require you (the applicant) to take a medical examination in order to qualify for the life insurance policy.

Basically, it means that you won't have to take a medical exam, but there may be a health questionnaire for you to answer, and the insurance company will use those answers to help determine if you qualify for their no exam life insurance plan.

Disadvantages:

No exam life insurance usually costs more than life insurance that does require a medical exam, but some policies are getting more competitive.

In addition, no exam life insurance usually offers only $250,000 to less of life insurance protection.

Advantages:

There are several advantages to buying a no exam life insurance policy, including:

1. You may start your life insurance today.

2. No health exam, doctor's visit or meeting with an insurance agent.

3. No needles or blood tests.

Buying no exam life insurance online is much easier than getting a life insurance plan that requires an exam, but make sure you understand how your life insurance policy works, when you have full coverage, how long your rate is guaranteed to remain the same, and what financial rating the insurance company has from AM Best Company.

Get your free quote for no exam life insurance today and find out if you qualify for a policy.