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Life Insurance No Exam
Life insurance no exam may sound crazy. Most people expect there to be a medical exam in order to qualify for life insurance. But there is life insurance that doesn't require an exam. Actually, it would be more accurate to call it term life insurance no exam because it is a term life insurance type of policy in that you can choose the term. However, the benefit amount is generally limited to a lower amount because the premiums are higher for this life insurance with no medical exam. So higher benefit amounts would make the premiums more than what most people would want to pay, even for term life insurance with no exam.

This term life insurance with no medical exam is generally known as guaranteed issue or simplified life insurance. And because it is life insurance with no medical exam, it is an excellent alternative for people who have some health problems or who may be older and wouldn't qualify for regular term life insurance.

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Answer Financial(R) Inc. offers insurance products and services through its licensed affiliates Insurance Answer Center(R) Inc. (California License No. 0B99714), Answer Center Insurance Agency, Inc., and other affiliates. Answer Financial is not an insurance company. Insurance plans and services are from insurance companies and other licensed insurance-related providers. Not all products available in all states. Rates subject to change.
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