$20,000 Life Insurance No Exam
Are You Looking to Buy $20,000 of Life Insurance without Taking any Health Examination?
If so, you’re in the right place. Today it’s quicker and easier than ever before to purchase up to $20,000 (or more) of life insurance coverage without having to take a physical examination.
Your premium for life insurance will depend on several risk factors, including your age, gender, tobacco use and your answers to a few health questions.
In fact, you can get an instant life insurance quote and apply online in minutes and find out today if you qualify to buy your term life insurance policy. People age 65 and under may qualify to buy term life insurance online without any exam.
What is Term Life Insurance?
It’s a form of temporary life insurance for a specific number of years. Most insurers offer term life plans for a period of 5, 10, 15, 20 or 30 years.
When applying for your no exam term life insurance make sure you understand how many years your rate is guaranteed to remain the same, and how long your coverage is guaranteed to last.
Term life insurance provides protection for 5, 10, 15, 20 or 30 years.
Also, the financial rating of the insurance company is important.
Why? Because it is an indication of the insurance carrier’s ability to pay their claims and meet their financial obligations.
It only takes a couple of minutes to receive your free life insurance quotes online.
They ask you some basic questions to give you your life insurance price quotes. There’s no obligation to buy.
If you’re married, you can buy a life insurance policy for you and your spouse.
$20,000 Life Insurance No Exam
A $20,000 life insurance policy with no medical exam usually refers to a type of insurance coverage that does not require you to undergo a physical examination or provide detailed medical information as part of the application process.
These policies are often known as "no-exam life insurance" or "simplified issue life insurance."
Features of No Exam Life Insurance
Simplified Application Process:
Applying for a no-exam life insurance policy is generally quicker and simpler than traditional policies. Instead of undergoing a medical exam, you’ll typically need to answer a series of health-related questions on the application form.
Limited Coverage Amount:
No-exam life insurance policies usually have lower coverage amounts compared to fully underwritten policies. In this case, the coverage amount is $20,000; however, you may be able to purchase up to $100,000 of coverage.
Higher Premiums:
Since the insurer does not have detailed medical information, they assume a higher level of risk. As a result, the premiums for no-exam life insurance policies are typically higher compared to policies that require a medical exam.
Simplified Underwriting:
The underwriting process takes into account simplified risk assessment factors, such as age, gender, lifestyle habits, and answers to basic health questions.
Fact: Term life insurance applications with no exam don't need to be time-consuming and difficult.
You may apply for a life insurance policy direct online in minutes without having to meet with a life insurance agent.
Coverage is Available for:
- 18-70 years old
- U.S. citizen and resident
- Not active military or in the process of enlisting
No exam life insurance may not be right for people with significant health concerns; such as, cancer, emphysema or COPD.
Do You Have Health Problems?
If you have a pre-existing health condition, you may want to consider Guaranteed Approval Life Insurance with no health exam and no health questions asked.
Life Insurance No Exam Quotes
Top Pick – Globe Life Insurance
Get FREE Information On How $1* Can Buy Up To $100,000 Globe Life Insurance For Adults Or Children
- No Medical Exam – Simple Application.
- No Waiting Period. Buy Direct.
- Rates As Low As $3.49 Per Month.
- The Globe Life Family Of Companies Has Nearly 17 Million Policies In Force.
- No Phone Required. No Credit Required.
- The Globe Life Family Of Companies Has Over $224 Billion Of Coverage In Force.
- Globe Life Is Rated A (Excellent) By A.M. Best Company As Of August 2023.
Guaranteed Issue Life Insurance Quotes
Top Pick – Mutual of Omaha
Mutual of Omaha offers guaranteed acceptance whole life insurance for people age 45 to 85. Choose $2,000 up to $25,000 of coverage. Rates start as low as $8.84 per month. There’s no medical exam and no health questions. You cannot be turned down. You can get a quote and apply online now. START HERE to get a FREE Quote.
- Your life insurance policy comes with a 30 day Risk-Free, Money-Back Guarantee
$20,000 Life Insurance No Exam
Disclosure: Compensated Affiliate