No Exam Whole Life Insurance

Can I buy a whole life insurance policy without taking a physical examination?

Yes, there are no exam whole life policies available. However, there may be certain restrictions on who may qualify for coverage. For instance, some insurers have age limitations of 45 to 85. And, the amount of no exam whole life may be limited to around $25,000 depending on the type of policy available.

For example, there is an "A+" rated carrier that offers up to $25,000 of whole life with no exam and no health questions asked. Your approval is guaranteed if you are between the ages of 45-85. This means, you cannot be denied coverage due to any type of health problem. Here's how to buy no exam whole life insurance coverage.