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Life Insurance No Medical Exam
Life insurance no medical exam does exist. 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 medical 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. So higher benefit amounts would make the premiums more than what most people would want to pay, even for no medical exam term life insurance.

This no medical exam term life insurance 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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