Do I Need to Get a Medical Exam for Life Insurance?

It depends on the life insurance company requirements, your age and health.

Many life insurance companies now offer non medical life insurance policies for qualified applicants.

You answer a few health questions during a simplified application process and the application may be reviewed by the life insurance company in less than 24 hours. This means, you may get approved for your no exam life insurance policy in less than 24 hours. Once approved, you can start your life insurance coverage.

The older you are, the more health issues you have, or the higher the amount of life insurance of your policy, the more likely you are to be subject to a medical examination requirement.

But, there are no exam life insurance policies for seniors, too. Some senior no exam life insurance plans offer guaranteed acceptance for people age 45 to 85.

Learn more about your options for non medical life insurance coverage.