If you’re shopping for a 30 year term life insurance policy, chances are you’re not a fan of doctors or needles. You may also need to get no exam life insurance quotes quickly and you don’t wan the hassle of the waiting period after completing a physical exam. We get it! We specialize in helping people find affordable coverage without a visit to the doctor’s office. All we need is your zip-code to get started.
Now it’s important for us to be upfront with you and let you know that even though we work with very competitive companies that specialize in exam free policies, it can still be more expensive than a traditional policy. The reality is that if an insurance company isn’t sure of your physical condition, they face greater risk and liability. Many times, the expense of that risk is passed on to you.
Even though you can end up spending more, there are some ways to get around some of those higher premiums. The key is knowing which life insurance companies to work with. That’s where we come in.
There’s a couple ways you can get an affordable life insurance policy without visiting the doctor (or them visiting you). One of the more popular way is to purchase a Simplified Issue Policy and the other way is purchasing a Guaranteed Policy. The great news is, you won’t have to get stabbed with a needle and you won’t need to pee in a cup. There are a few medical questions you’ll probably have to answer. But if you pass that test, many of the companies we work with will grant you the coverage pretty quickly.
Here are some example quick comparisons:
|Coverage Amounts||$100,000 – $1,000,000||$50,000 – $250,000|
|Coverage Starts||6 to 8 weeks after application if qualified||Immediately if qualified|
|Medical Exam||Always required||No medical exam, issuance of the policy may depend on the answers to the health questions set forth in the application|
|Age and Health||18 to 80 years old, with some pre-existing conditions acceptable||18 to 652 years old, with no health problems|
|Term Length Options||10 or 30 years||10, 20, or 30 years, available in most states3|
If you have any other questions about a no exam life insurance quotes, feel free to contact one of our licensed agents. They’ll be happy to answer any questions you may have.