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cheap term life insurance no medical exam

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The majority of people who apply for personalized life insurance coverage don’t need a medical exam.

Our 100% online application can be completed in minutes– without confusing paperwork or phone calls with sales agents.

Affordable, personalized coverage cheap term life insurance no medical exam

We offer a wide variety of coverage options to fit your budget and give you the coverage you need.

No medical exam life insurance— also called simplified issue– offers coverage without physicals, blood tests or urine tests. If you need coverage on short notice or to have pre-existing conditions that would make it hard to pass a medical exam, simplified issue term life insurance can be a convenient and affordable alternative

When applying for no medical exam insurance, you’ll be asked several questions about your health and medical history and your responses will be used to determine whether you qualify for coverage. The list of questions changes according to the insurer, meaning you may be rejected by one company only to find coverage at another.

Regardless of what questions you’re asked, honesty is important. Insurers can cancel your policy during the first two years of coverage without a refund if they find that you lied or misrepresented anything. Keep in mind that even without a health exam, insurers still have a variety of ways to confirm the information you provide
No waiting period for coverage

Some forms of life insurance include some periods, which can include the following:
• Typically, the first two years following the activation of a policy is considered a waiting period. If the insured individual were to die during this time, the beneficiary generally receives only the amount of paid premiums. Beneficiaries receive 110 per cent of paid premiums if the insured person dies within two years of the policy effective date.

• Additionally, most types of life insurance generally take several weeks to take effect while the application and underwriting process plays out. But guaranteed issue whole life insurance can often be activated in just a matter of days.

cheap term life insurance no medical examWhy purchase guaranteed issue whole life insurance?
Dying without life insurance can leave your loved ones facing a financial burden, even if they are no longer financially dependent on you. Funerals can cost several thousand dollars. End-of-life medical care can become the responsibility of a spouse or adult child. Debts such as mortgages and credit cards can be inherited by family members.