We analyzed the best no exam life insurance companies to help you get covered without providing personal health information.
Key Takeaways: ; Several factors, including your career, health, and hobbies determine whether you’re a high-risk life insurance applicant. Some of those factors are more obvious than others. ; If you are considered a high-risk applicant for life insurance, that doesn’t mean you can’t purchase a policy. ; Policies for high-risk individuals are generally more expensive than standard insurance and may have more limitations and restrictions.
Key Takeaways: ; Some life insurers may require you to get a medical exam to buy certain life insurance policies. The results determine if you qualify for coverage and your premium costs. ; If an insurer requires a medical exam, your life insurance agent will schedule your appointment to send an examiner to your home or workplace. The insurer will also cover the cost of the exam. ; No-exam life insurance policies are available, but they’re usually more expensive than other types of life insurance because they assume a greater risk in insuring you.
The best no exam life insurance has a high age cap without sacrificing death benefits. Learn more from our guide on the best no medical life insurance.
A life insurance policy provides money for your dependents if you die prematurely. ; The earlier you buy a life insurance policy, the cheaper it is, regardless of the coverage amount. ; While life insurance helps your dependents, it can also provide savings and tax benefits.
Globe Life specializes in cheap no medical exam life insurance plans. Read our review to for Globe Life options and costs to help you find the right fit.
No medical exam life insurance doesn’t require a medical exam .
Key Takeaways ; Better health leads to lower premiums and increased chances of approval for life insurance. ; Life insurance companies require medical exams to verify health information, but some offer policies without them. ; Term life insurance policies can be obtained without a medical exam, but may have higher premiums.
Learn how no exam life insurance offers fast coverage without a medical exam. Understand eligibility, types, and the pros and cons.
Guaranteed issue life insurance is a small whole life insurance policy with no medical questions or exam.