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No-medical life insurance is a life insurance policy that won’t ask you to get a full medical exam with a GP before you’re accepted for cover. Guaranteed whole life insurance. Learn More That means you're a lower risk, and the approval process can be expedited. It may be a good idea to consider life insurance with no medical exam if: You have pre-existing medical conditions that may make it difficult to get coverage. Many life insurance rates are dictated in part by health, and many applicants can end up faced with more expensive policies based on medical exam results during the insurance underwriting process. #2 AIG : AIG insurance offers $5,000 to $25,000 in coverage for individuals between the ages of 50 and 80. It’s called a Graded Death Benefit, and it’s how life insurance companies can offer individuals a life insurance policy without requiring a medical exam or asking any health questions and remain in business (and be profitable). The life insurance medical exam is the opportunity for your life insurance company to review your medical history and basic information that was used to make your life insurance application. Regardless of if you are simply trying to bypass a medical exam or would like to seek coverage without any health questions at all, we can help. Sample No Exam Term Life Insurance Quotes-Transamerica. This is a universal life insurance policy with face amounts of $25,000 to $400,000. However, here I will provide a sample from a simplified issue application because they are more strict so you’ll get a better idea of the array of health questions … You are guaranteed coverage regardless of what might have developed in your health picture. Whether or not you're eligible will depend on circumstances relating to your health, lifestyle and your family's medical history. Keep your coverage even if your health changes, as long as you pay your premiums on time. No medical exam is required and there are no health questions to answer. Try this amazing 100 Question - Nc Health Insurance Practice Exam quiz which has been attempted 1404 times by avid quiz takers. The truth is, there is one. Also explore over 26 similar quizzes in this category. The price for Transamerica's no exam product is not the cheapest around but is a good value considering what you get included. When you can get life insurance without a medical exam. This is because they’re not waiting on paramedical professionals to connect with potential clients. Let’s learn … So, take your time and shop around find which term insurance plans come without medical examination. You surely don’t want to leave this stress to your family members, so looking for life insurance is … If you are between 40 and 85 years of Age, you are automatically accepted for this type of Life insurance. Others may assume they won’t be able to obtain affordable coverage because of their health and don’t even bother going through with the exam. So… If you have questions about life insurance without a medical exam, or any other type of life insurance coverage, JRC Insurance Group is here to help! Applying for Life Insurance without Medical Exam When applying for Life Insurance with No Medical Exam coverage, it’s important to remember that you must answer questions honestly. Find out how you can get cheap whole or term life insurance without a health exam. No medical exam life insurance companies will look at your medical history , and they reserve the right to refuse coverage if you have answered questions dishonestly. Choose Guaranteed Whole Life Coverage without Health Questions for Simplicity Apply for coverage without taking any doctor’s exam or answering any health questions. 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