Life Insurance with No Medical Exam or Questions

Can I get a life insurance policy without taking a health exam or answering any health questions?

Yes, there are life insurance plans available with hop exam or health questions asked. However, there may be some age requirements in order to qualify for coverage.

For example, there are accidental death life insurance plans available with no exam and no health questions. You can buy up to $1,000,000 of coverage online if you meet the age requirements.

In addition, there are guaranteed issue life insurance plans with no exam and no health questions for people age 45 to 75. You cannot be turned down for health reasons if you meet the age requirement.

And, if you don't mind answering a few health questions, you may qualify to buy up to $350,000 of life insurance online with no exam. If you are accepted, you may start your life insurance policy today.

Here's how you can learn more about life insurance with no medical exam or questions

No Exam Life Insurance Companies?

Which companies offer no exam life insurance?

Topday there are several insurance companies offering no exam life insurance plans thou can apply for online.

However, there are different types of no exam life insurance.

For instance, seniors have available guaranteed issue no exam life insurance with no health exam and no health questions asked. However, the rates are high and you won;t have full coverage until you are insured for at least 2 years.

There are also simplified issue life insurance plans for people ages 20 to 65 that offer up to $350,000 or more of life insurance without any health exam required, but there are some health questions asked.

However, if you qualify, you may be able to start your life insurance policy today, instead of waiting 3-4 weeks, or longer, with life insurance plans that do require you to take a physical exam.

One highly recommended no exam life insurance company is National Life Group because they offer immediate life insurance coverage with approval usually within 10 minutes, and, their rates are competitive with life insurance plans that do require a health exam. Here's how you can request a no exam life insurance quote today.

$500,000 Life Insurance Policy?

Can I Buy a $500,000 life insurance policy online?

Yes, there is a life insurance carrier that offers up to $500,000 of life insurance you may purchase online if you qualify.

In fact, there's no health exam required, you just answer some health questions when you request your free online life insurance quote.

You can complete the entire application process safely and securely online. Most approvals are within 24 hours.

If approved, you may start your life insurance protection within 1 or 2 days, instead of waiting 3-4 weeks or more.

And, there's no need to meet with an agent or sit through a physical examination.

Here's how to buy up to a $500,000 life insurance policy online without any delays or health exams.

Can I Buy Life Insurance Online Accident Only?

Is it possible to buy an accident only life insurance policy direct online?

Yes, you can buy accident online life insurance coverage online.

In fact, if you meet the age requirements for acceptance, you may buy up to $1,000,000 of accidental death life insurance coverage online. And, there's no medical exam and no health questions asked.

To get started you can request a free quote online to find out how affordable an accidental death policy can be, then just apply direct online for your coverage.

Here's how to buy life insurance online accident only

What is mortgage life insurance for?

Mortgage life insurance is life insurance to pay off the outstanding balance on your home mortgage loan upon your death.

Many people choose to buy a mortgage life insurance policy so that their their family will be able to go on living on the home they shared with the insured person while still alive. It's a way to provide yourself with peace of mind, and your family with financial security in case you pass away.

Let's face it, would;t you rather your family kept living in the home they shared so many memories with you if thou were no longer there, instead of them having to move and maybe not having the money to keep paying the bills without your income?

You can choose a mortgage life insurance plan with a term of 10, 15, 20, 25 or 30 years to match the length of your home mortgage loan so you know your family will have the money needed to keep their home.

Top 10 Life Insurance Companies

What are the top 10 life insurance companies?

There are many ways to compare and rate life insurance companies including by size - total assets, total number of life insurance policyholders, financial strength rating, quality of customer service, total number of complaints, and customer approval rating, as well as, pricing and products.

Each year, the Insurance Information Institute releases a list of the life insurance companies that issued the most individual life insurance policies for the previous year. This list includes some of the most well-respected leaders in the life insurance industry, including Northwestern Mutual, Metlife and New York Life, among others.

Here's how you can compare a list of the Top 10 life insurance companies in America and their AM Best financial strength ratings, as well as, request free life insurance rate comparisons today.

Why Would I Be Declined for Life Insurance?

Have you been turned down for life insurance coverage?

If so, you may be wondering why you were declined when you tried to qualify for a life insurance policy.

There are many reasons someone may be denied life insurance protection.

Some of the most common reasons for being turned down for life insurance include:

1. Too Old - Over age 85

2. Poor Health - High Blood Pressure, High Cholesterol

3. Bad Driving Record - 2 or more DUI's

4. Chronic Health Problems - Diabetes, Emphysema, Heart Disease

5. Terminal - Cirrhosis, Cancer

6. High Risk Occupation - Firefighter, Blasting Contractor

7. High Risk Hobbies - Base Jumping, Sky Diving, Mountain Climbing

However, there are guaranteed acceptance life insurance plans that offer guaranteed approval for anyone who meets the age requirements for acceptance. And, there's no health exam or health questions asked.

You can get a quote and apply completely online for your guaranteed acceptance life insurance policy today.

Life Insurance with No Blood Tests?

Can I get life insurance coverage without having to take any blood tests? I have needle phobia.

Yes, it is possible for you to get a life insurance plan without having to take any blood tests.

In fact, some life insurance plans offer life insurance without any health exam, blood or urine tests.

For instance, one highly rated life insurance carrier offers up to $350,000 of term life insurance you can start today, if you qualify. There's no health exams or needles, just some health questions for you to answer. The insurer reviews your answers to the health questions and decides if you qualify for coverage.

Once approved, you can start your life insurance coverage right away, and there's a 30 day money-back guarantee.

Here's how to buy term life insurance no blood tests required.

Term Life Insurance Instant Approval

Are you looking to buy term life insurance with instant approval?

There are plans offering same day protection with affordable rates on term life insurance.

Some life insurance companies have made instant life insurance available to make it easier on consumers to get covered and not have to wait up to 4-6 weeks rot go through a medical exam and find out if they are accepted for a life insurance policy.

Now, you don't have to wait. In fact, you can apply completely online and start your life insurance policy today, if you qualify.

And, there's no health examination required, just some health questions. There's also a 30 day money back guarantee if you are not satisfied with your life insurance policy.

Learn more about how to get term life insurance with instant approval today.

Apply for Term Life Insurance Online

Can I apply for a term life policy on the internet?

Yes, in fact, you can even start your term life insurance coverage today, if you qualify.

There's one life insurance company that offers people up to $350,000 of level term life insurance protection for a term of up to 30 years, without any health examination required.

You can request a free quote and apply completely online. There are some health questions asked, but there is no medical exam required. And, if you qualify, you may start your life insurance policy today. There's a 30 day money-back guarantee, too.

The online application process is simple, you just provide the required information and choose your method of payment. And, if you have any questions there is a toll-free number you can call for assistance, or you can choose to get help via email.

Heres' how you can apply for your term life insurance policy online today.

What Does Term Life Insurance Not Cover?

Term Life can be issued for a period of 1, 5, 10, 15, 20, 25 or 30 years and provides a death benefit to the beneficiary if the insured passes away during the term of the policy. Death by suicide is usually excluded during the first two years of being insured, one year in some states. The policy expires at the end of the term and does not cover living after that point.

Most term life policies will also pay a portion of the death benefit in advance if the insured person is diagnosed with a terminal illness and has less than 12-24 months life expectancy.

New Living Benefit Term Life insurance policies also include no cost riders providing additional coverage that will accelerate up to 90% of the death benefit payment in case of Critical Illness (Cancer, Stroke, Heart Attack, Major Organ Transplant, etc.), Chronic Illness, Disability, Terminal Illness, or Death.

Funds from the new living death benefit can be used for any purpose, such as: hospital and medical bills, lost income, mortgage payments, household expenses, long term care, etc. Living Benefit Term Life policies are only available from approximately six life insurance carriers. Learn more about how a term life insurance policy works.

Fidelity Life Insurance No Exam

What is fidelity life insurance no exam?

It's a term life insurance plan offered through Fidelity Life Insurance Company. It allow you to buy up to $499,000 of term life insurance protection online without having to take any health examination to qualify for coverage.

And, if you are age 65 or under you may apply online for your Fidelity Life no exam policy. With no exam plans Fidelity Life makes it easy for you to get the affordable life insurance you need without the hassles of having to meet with an agent or take a physical exam.

Instead of waiting 4-6 weeks to find out if you qualify, and are insured for life insurance, you can get approval in 24 hours or less with Fidelity Life. Here's how you can learn more about Fidelity Life Insurance with No Exam required.