where can i get life insurance without examination?

Answer 1

Call your local insurance expert and ask or get a referral to a life insurance specialist with access to a life brokerage. There are a number of insurers who will write policies without exams, they should know who. If you're in Ohio, I can refer you to someone.

Answer 2

There are several life insurance companies that offer life insurance online without an examination.

You have to answer some questions and apply for coverage and they advise you within minutes (usually) whether you have qualified for the policy based on your answers to the health questions.

Always answer all questions honestly on your life insurance application.

Some insurers offer up to $250,000 of life insurance coverage. If you need more you may be able to apply for coverage with two or more insurance companies.

Be advised these policies may cost more because they may accept some applicants that may not get approved for coverage through another insurance company requiring a physical exam.

To get a free quote from an "A+" rated life insurer for life insurance with no medical examination required visit https://insurance.hsbcusa.com/quotal/simple-term-hsbc.cfm?AgentId=9200&mc_id=107TVXWFW

I hope that helps! Best of luck to you.

Answer 3

most companies will provide insurance under a certain amount without an examination. usually 25 to 50000 doesnt require an exam if its an independent company. but it varies. i would suggest doing a little research by reviewing different insurance company websites. what you dont find there...you can always call and ask what's the maximum limit without an exam. this can get worrisome because they will have an agent contact u and u will be on their Christmas list til the end of time. good luck!

Answer 4

The highest issue limit that I know of is $250000 without an exam. There are lots of simplified issue programs out there, and depending on your state, you may have access to guaranteed issue programs as well.

Be forewarned that there is a cost for the convenience of not doing an exam and even if you think you have a bad medical condition (like diabetes or multiple sclerosis), you may be better off going with a normal underwriting program. Find an insurance broker who knows the market well and can help you find what you need.

Answer 5

If you are young and want less than $100,000, a lot of companies will provide it. I know Farmers will, but I'm sure there are lots of others. You aren't buying enough insurance to make it worth their time to send a paramed to your house. You will have to answer health questions, however.

If you don't want an exam because you are sick, it's gonna be tough. Some companies will do it, but won't pay your full benefit unless you live another two years first. If you are terminally ill, don't count on getting insurance. For this stuff, I'd talk to an independent insurance agent.

-->Adam

Answer 6

simple question - simple answer

three kinds of underwriting for insurance.

fully underwritten = full medical evaluation based on age and answers to questions - many. = lowest cost per $1000. for healthy person.

simplified issue = based only on your answers to a few key health questions. = higher cost per $1000. should only be used for ones who can't answer no to most questions above.

both above contestable for claim if u lie.

guaranteed issue = no questions other than age, sex, address, etc. = highest cost and often sold per unit to disguise this fact. - also has very limited payout for the first 2-3 years just to make sure u don't have a foot and a knee in the grave when u apply. Sold on TV to too many people who could qualify for a better alternative above. Thank u Ed McMahon.

Answer 7

All insurance companies do a back ground check on your health using your ss #. The docotors send a report as of the last time you were there and if any hospital visits or tests run. If you are sick they will find out. Also the agent will see you and list your height and weight as well as as you a number of heath questions. really no way around it.

Answer 8

Well, there are very high cost, low payout policies that are "guaranteed issue" that you see in mailbox fliers.

That doesn't mean they insure EVERYONE. That means, you pay $25 a month for $1,000 of coverage, and if you die before you pay in $1,000, they go over your application to see if you lied about anything (esp. if you died of a health issue), and then deny your coverage.

You're not going to be able to get a DECENT amount of coverage (read, enough to leave to someone) without an exam.