Maximum Amount of Non Medical Life Insurance?

What is the maximum amount of life insurance I can get without taking a medical exam?

That depends on your age and your health.

In addition, the insurance company limit of non med life insurance will vary by insurance carrier.

Some life insurers may offer up to $50,000 of non med coverage, while one highly-rated insurer offers up to $3,000,000 of life insurance with no medical exam for healthy individuals.

And, you may purchase a life insurance policy from more than one insurance company.

Learn more about the maximum amount of life insurance with no medical exam.

Non-Medical Insurance?

Non-medical insurance is life insurance issued without requiring the applicant to submit to a regular medical examination.

In passing on the risk, the insurance company relies on the applicant’s own answers to health questions regarding his or her physical condition, and on personal references and inspection reports.

Because of the limited underwriting of the applicant, this type of life insurance policy usually has higher premiums than fully underwritten life insurance policies.

Here's how to learn more about non-medical insurance.

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.

Non-Medical Life Insurance

What is a non-medical life insurance policy?

It's a type of life insurance you can buy without having to take any physical exam, blood or urine tests to get approved.

Why are there non-medical life insurance policies?

Because, with the advances in technology and the internet, insurance companies want to make it quicker and easier for consumers to purchase their life insurance.

Who buys no medical life insurance?

Anyone who wants quick life insurance coverage, without having to sit through a high pressure sales pitch from an insurance agent, or maybe you have a fear of needles or blood, or you just need life insurance right away.

Basically, more and more people are choosing to buy their life insurance on the internet because they have busy lives, and they know they need to get life insurance to protect their loved ones.

And, with healthcare being purchased online by more people each day, the purchase purchase of life insurance over the internet is becoming more common.

Here's how you can learn more about non-medical life insurance coverage.

What is Non-Medical Life Insurance?

The insurance company will ask questions about your health and will base their approval for your life insurance policy on that information.

There might be inquiries sent to your doctors or there might even be a request for a paramedical exam but that is very unusual. Some non medical life insurance policies even give you instant approval and allow you to start your life insurance coverage the same day you apply online for a policy.

Non med life insurance may cost more than life insurance requiring a physical exam because they may accept some applicants that may be declined if they had to take a medical examination to qualify.

Here's how to get non medical life insurance.