Can I Get Life Insurance without a Medical Exam?

How to Buy Life Insurance without an Exam

Are you looking for life insurance coverage but you don’t want to take any physical examination in order to get insured?

If so, it may be much easier to get life insurance than you might have expected.

Actually, there are several plans you may be able to choose from including simplified issue term life and guaranteed approval whole life insurance.

To determine the plan that’s right for you, there are a few things to consider, including your age, your budget, the type and amount of life insurance you need, and your health.

We’ll review the basic types of no exam life insurance plans to help you understand the features and benefits if each type so you can choose the policy that meets your specific needs.

 

Review of No Exam Life Insurance Plans

 

Simplified Issue Term Life Insurance

Top Pick – JRC Insurance Group

JRC Insurance Group helps you shop, compare and save on life insurance. Regardless of your age or health background, we'll shop our 40+ insurance companies and find you affordable life insurance you need to protect your family and fit your budget. Compare the best life insurance rates for savings up to 73%. 

JRC Insurance offers up to $2,000,000 of life insurance with no medical exam required.

You can get approval for your insurance policy in as little as 10 minutes to 2 days. JRC offers no exam life insurance for diabetics, too.

JRC offers some of the best rates on life insurance policies without any health exams required.

You can compare and choose from $25,000 to $2,000,000 of no exam life insurance coverage from several leading life insurance carriers through JRC Insurance Group.

  

Highly Recommended – 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 Approval Life Insurance

 

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. 

• Your life insurance policy comes with a 30 day Risk-Free, Money-Back Guarantee

 

Pros of Mutual of Omaha

• Guaranteed approval for age 45-85.
• No health questions asked.
• A+ rated life insurance carrier.
• 30 day money-back guarantee.

 

Cons of Mutual of Omaha

• Maximum coverage amount limited to $25,000.
• Graded benefits the first two years you are insured.

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Guaranteed Approval Life Insurance

Globe Life Insurance