What is No Doctor Life Insurance?

If you are shopping for life insurance you may be wondering about the medical examination required to get insured.

For instance, is an exam required, and will you have to take one to get insured? And, what is involved in the exam? Who pays for the exam?

Well, if you are buying more than $25,000 of life insurance, then you may need to take an exam, as the insurer will usually require an exam.

The exam is paid for by the insurer and involves a paramed coming to your home, asking some questions about your health, checking your blood pressure and drawing some blood which is sent to a lab for testing.

However, there are life insurance policies that do not require you to take any health examination.

And, you may apply for coverage online (safe and secure) and start your life insurance today, if you qualify.

These plans are referred to as "life insurance no doctor exams" because they do not require you to visit a doctor or take an exam.

Two Ways to Get No Exam Life Insurance

Are you looking for life insurance but don't want to take any health exams?

If so, you may not be aware that you have a couple of different options to choose from for your coverage.

In fact, there's two types of no exam life insurance policies available: Simplified Issue Term Life Insurance and Guaranteed Issue Life Insurance.

A simplified issue policy offers you the option of purchasing quick and easy life insurance protection for your loved ones and start your policy in 1-2 days, rather than 4-6 weeks with a traditional life insurance plan.

With simplified life insurance there's no health exam, but there are some medical questions asked. Some carriers offer up to $400,000 or more of no exam life insurance.

Another option is guaranteed life insurance which means you can't be denied coverage due to any health problems.

However, the amount of life insurance is usually limited to around $25,000 or less. And, there's no health exam or health questions asked. Guaranteed life insurance is available for people between the ages of 45 to 85.

Here's how you can learn more and compare no exam life insurance policies.