hospital appointment

Are you looking for the best price no physical exam for life insurance coverage?

If so, you should know that no physical exam life insurance may cost more than life insurance that does require you to take a physical.

And, the amount of coverage available for no physical life insurance is usually limited to $250,000.

Now, for the good news: You can compare instant quotes for life insurance with no physical online. It's quick, easy and affordable.

Life Insurance Companies offering the Best Price No Physical Exam Life Insurance

Top Pick - RBC Express Term
RBC Insurance offers the most competitive prices for life insurance with no physical exam required. RBC offers you $25,000-$250,000 term life insurance coverage. RBC is rated "A" Excellent by AM Best Company for financial strength. You can apply online and get approved in 15 minutes. Get your free quote now.

Highly Recommended - Net Coverage
If you are healthy you may Qualify online for up to $500,000 of term life insurance with no medical exam, just some health questions. "A" rated life insurance company. 30 day money-back guarantee. If you qualify, you may start your life insurance today. Get a free quote.

Recommended - Globe Life Insurance
Globe Life Insurance offers people age 78 and under up to $30,000 of term life insurance with no medical exam required.Globe life was established in 1951 and is rated "A+" Superior by A.M. Best for financial strength.Globe life has more than 2.5 million satisfied policyholders. They provide a 30 day money-back guarantee. No questions asked.You can apply online and get approved in 5 minutes. $1* starts your term life coverage! Buy it online here!

NOTE: Price is not the only thing to consider when choosing your life insurance policy. Make sure you review the financial rating of the insurer. The higher the financial rating, the better able the insurance company to meet their financial obligations. Consider choosing a life insurer rated "A" Excellent, or better, by AM Best Company.

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life insurance examination

If you're shopping for coverage, you'll probably be subjected to health tests. Here's exactly what insurers are looking for and how they'll find it.

There's a good chance you will need to undergo a medical exam if you are buying life insurance, whether it's term or whole life. Typically, insurance medical exams are done by paramedicals, who are licensed health professionals. Paramedicals are often independent contractors hired by the insurance company who come to your home.

There are medical questions on Part I (some insurers call it Part A) of a life insurance application that are usually completed by your agent in your presence, or online by you. Part II (or Part B) is the medical form that is completed by a paramedical or a physician.

After receiving your application for life insurance, your agent or life insurer will call one of several paramedical services that specialize in mobile exams. They'll give the paramedical service information on you, the amount of insurance you're applying for, and the name of the insurance company. Most paramedical professionals stay current on insurers' underwriting requirements.

What's involved in the exam

Nearly all exams can take place at your home or office, since many paramedicals carry their own supplies and have centrifuges for blood sampling. Although the insurer might order what is called an attending physician's statement (APS) from your doctor, you cannot have the life insurance medical exam done by your own physician.

A paramedical professional will call you to schedule your appointment. If you can't schedule an appointment, you'll usually have the option of going to a clinic specified by the insurer. The exam isn't optional -- you must have it or your application won't be processed. The insurance company pays the paramedical service or examining physician directly, so you're not financially responsible for the exam or any lab work.

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no exam life insurance

What is no-exam life insurance?

Ordinarily, before a whole, universal, or term life insurance application is approved, an applicant undergoes a medical examination to prove his or her insurability. There are several types of life insurance with no medical exam, however:

• Simplified issue life insurance entails no medical exam but still requires the applicant to verbally provide some medical information during the application process.
• Guaranteed issue life insurance (also "guaranteed acceptance life insurance") entails no health questions and no medical exam. You cannot be turned down!
• Graded benefit life insurance entails no health questions and no medical exam. Its purchase and payment are more complicated than those of guaranteed issue life insurance, however. Its use is primarily for the late-middle-aged and beyond.

Fill and submit the form at the bottom of this page to obtain quotes for no-exam life insurance.

Why buy no-exam life insurance?

One reason for purchasing no-exam life insurance is the speed of the application process. Usually, 4–6 weeks elapse between the application for a life insurance policy and the time it is issued. By eliminating or shortening the underwriting process, no-exam life insurance makes it possible to issue a policy within a matter of days.

Another purpose of no-exam life insurance, however, is to enable applicants who would otherwise be uninsurable to obtain coverage. Because of health complications or a combination of health issues and advanced age, an individual may be denied coverage for ordinary life insurance, but that individual can still obtain coverage through no-exam life insurance.

Customers of no-exam life insurance are often those preparing for a foreseeable end, who intend to use their death benefit to cover funeral expenses.

No-exam life insurance is also a good choice for those who find themselves uncomfortable around doctors and needles.

Why is no-exam life insurance more expensive?

The price one pays for life insurance is based on his or her life expectancy: those with a good prognosis pay lower life insurance rates. Usually, an insurer surmises a given applicant's life expectancy based on his or her medical examination, but in the case of nonmedical issue life insurance, this is not possible.

Without an up-to-date medical evaluation, your insurer has at best only a scant idea of your life expectancy, and that imposes a substantial risk on the company. The insurer is obliged to charge more for coverage in order to manage this risk.

Compare no-exam life insurance quotes and rates

*The pre-screening health questionnaire below is for ALL simplified issue, guaranteed issue, and no exam life insurance policies. The only pre-screening question that applies to the guaranteed issue life insurance policy is the question regarding residing in a hospital or long-term-care facility. The Presidential guaranteed issue life insurance policy is not available to individuals who reside in a hospital or long-term-care facility.

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no exam life insurance quote

Since 1998, EQUOTE has been providing our valued customers with the lowest cost affordable term life insurance products, including no medical and term life insurance from our California offices located in San Diego. We offer term life insurance quotes online, rates, and information with simple, straight talk. Now EQUOTE Life Insurance has added Annuities and Long Term Care Insurance plans to offer you more and better options to protect yourself and your family. After all, that is what insurance is for: Protection for yourself and your family.

Term Life Insurance

Term Life Insurance is the most popular type of life insurance today. As the name implies, term life is designed for a specific term (length of time). You buy a term life policy to provide coverage for a guaranteed number of years: 10, 15, 20, 25 or 30 years. No Medical Term Life Insurance is also available. Some companies even offer a return of premium option on their policies. This allows you to receive 100% of the premiums you've paid into the insurance plan.

Universal Life Insurance

One of the most misunderstood types of life insurance is Universal Life. Today's life insurance plans offer long term guarantees such as 20, 30, 40 years or even up to age 120! The face value amount of the life insurance policy is guaranteed to remain level and so is the premium for the period of time you select for coverage.

Term Life or Universal Life Insurance?

The biggest question facing many insurance buyers today is,
"Which type of insurance do I need, Term Insurance or Universal Life Insurance?" The real question should be, "What is Term Life Insurance and how does it differ from Universal Life?" Most people really don't understand these two types of life insurance. And admittedly, it is confusing. We can walk you through the different types of life insurance, and direct you to an online form where you can get instant No Medical term life isnurance quotes/rates and apply online.

Key Person Term Life Insurance

Quite a few companies today are taking term life policies out on their key employees. Finding and keeping valuable employees is getting tougher these days. Affordable instant Term Life Insurance quotes/rates are available online or contact us for No Medical Term Life Insurance, which only requires you to answer a few health questions, in California or any other type of life insurance for the most affordable quotes/rates.

General Insurance

Most companies require general liability coverage before they do business with other companies. EQUOTE is familiar with all types of business insurance and can help you decide what amount of coverage is standard for your line of work-- a good rule of thumb is to find out what amount of coverage your clients require and to try to purchase at least that amount.

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term life insurance without exam

About EQUOTE Life Insurance Services

Since 1998, EQUOTE has been providing our valued customers with the lowest cost affordable term life insurance products, including no medical and term life insurance from our California offices located in San Diego. We offer term life insurance quotes online, rates, and information with simple, straight talk. Now EQUOTE Life Insurance has added Annuities and Long Term Care Insurance plans to offer you more and better options to protect yourself and your family. After all, that is what insurance is for: Protection for yourself and your family.

Term Life Insurance

Term Life Insurance is the most popular type of life insurance today. As the name implies, term life is designed for a specific term (length of time). You buy a term life policy to provide coverage for a guaranteed number of years: 10, 15, 20, 25 or 30 years. No Medical Term Life Insurance is also available. Some companies even offer a return of premium option on their policies. This allows you to receive 100% of the premiums you've paid into the insurance plan.

Universal Life Insurance

One of the most misunderstood types of life insurance is Universal Life. Today's life insurance plans offer long term guarantees such as 20, 30, 40 years or even up to age 120! The face value amount of the life insurance policy is guaranteed to remain level and so is the premium for the period of time you select for coverage.

Term Life or Universal Life Insurance?

The biggest question facing many insurance buyers today is,
"Which type of insurance do I need, Term Insurance or Universal Life Insurance?" The real question should be, "What is Term Life Insurance and how does it differ from Universal Life?" Most people really don't understand these two types of life insurance. And admittedly, it is confusing. We can walk you through the different types of life insurance, and direct you to an online form where you can get instant No Medical term life isnurance quotes/rates and apply online.

Key Person Term Life Insurance

Quite a few companies today are taking term life policies out on their key employees. Finding and keeping valuable employees is getting tougher these days. Affordable instant Term Life Insurance quotes/rates are available online or contact us for No Medical Term Life Insurance, which only requires you to answer a few health questions, in California or any other type of life insurance for the most affordable quotes/rates.

General Insurance

Most companies require general liability coverage before they do business with other companies. EQUOTE is familiar with all types of business insurance and can help you decide what amount of coverage is standard for your line of work-- a good rule of thumb is to find out what amount of coverage your clients require and to try to purchase at least that amount.

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term life insurance no exam

Now, Get Affordable Life Insurance Without the Hassle and Expense of Medical Examinations

We all know how important it is to cover ourselves and protect our family with great life insurance. But filling out long medical questionnaires and getting the medical exams required is a time-consuming, costly hassle.

At NoMedExamLifeInsurance.com, we offer you term life insurance - without the medical examination and without the endless paperwork! We are one of the first companies in America licensed to sell you NO MEDICAL EXAM LIFE INSURANCE! And it doesn't matter where in the country you live, we can quote your life insurance for FREE within a matter of minutes.

www.nomedexamlifeinsurance.com

Getting Fully Covered Is Simple

Just answer a few short, simple questions, then click GET A FREE QUOTE. If you are happy with your free quote - and we are confident that you will be - than you can purchase your policy right here online and even print it out!

If you prefer, talk with one of our licensed agents. Just call1.800.939.0710. They are ready to help you get the coverage you need immediately.

www.nomedexamlifeinsurance.com

Ideal for Many People

Term life insurance without a medical exam is ideal for many different types of individuals:

• People who need coverage right away

• People who have health complications that make getting ordinary life insurance more difficult

• People who - for personal or religious reasons - want or need to avoid lab tests, needles, and other procedures. Most ordinary insurance companies require a medical examination: an appointment with a doctor, blood and urine lab tests, a blood pressure test, and other exams

• Older people, who may be denied coverage because of their age

• Older people or people with a terminal illness who plan to use the death benefit of their policy to pay for their funeral expenses

• People who simply don't want - or don't have the time - to fill out extensive questionnaires from ordinary insurance companies

  
  

Get Covered Today

Make sure your loved ones are protected. None of us wants our family to struggle after we're gone . That's why we at nomedexamlifeinsurance.com are pleased to be able to offer you affordable life insurance without a medical examination.

Don't delay. No matter where in the country you live, here at nomedexamlifeinsurance.com you will be able to find a life insurance policy to suit your needs.

Apply online right now for your NO MEDICAL EXAM LIFE INSURANCE or call 1.800.939.0710 to speak to a licensed agent who will be able to help guide you through the process. It takes only a few minutes, and then you will be covered...immediately and fully!

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