Many of the best life insurance firms offer no-exam life insurance, which has the requisite appeal of skipping medical exams.
Haven Life offers term policies for healthy individuals with limits as high as $3 million. For those who want to avoid medical exams, the limit is $500,000. The Haven Simple no-medical exam policy is available in all states, except California, Delaware, South Dakota, North Dakota, and New York. Accelerated death benefits are available with this policy if you become disabled, and riders can be added to eliminate future payment obligations if you become disabled.
If you're looking for larger benefits, extensive financial planning, or agent support, it may not meet the mark. However, its simple online application and ease of use have appealed to many people.
AARP Life Insurance caters to senior clients for insurance and other financial products. As long as you are AARP members, you may qualify as long as you are age 50 or 74. Term policies are available with limits of $150,000 in most states. You can earn up to $100,000 for residents of New York and Montana. The policy for whole life ends with a maximum of $25,000.
Whole life policies can be issued without health exams or medical questions. The term policies, on the other hand, may ask some health questions.
USAA Life Insurance is usually devoted to military members and their immediate family members, but its insurance products are available to anyone. Pricing is lower, payouts are higher, and customer service is strong. These services are only available to military and qualifying family members. For the children of a fallen military member to use any USAA products, the military member would have to be signed up before their death.
Guaranteed whole life policies are available in 49 states, including Montana. USAA life insurance coverage can be purchased with no medical exam or questions, starting from $2,000 to $25,000. A licensed broker can assist applicants who want higher coverage limits by arranging medical exam policy options with a licensed agent.
For term life policies, Prudential Life Insurance offers up to $3 million in coverage. Adults under 60 years of age are eligible for coverage through a short application containing some medical questions. For younger applicants, conversion options may be available later to make term policies into whole life policies. However, due to the higher limits, Prudential's application process may also be longer.
With a 100% online application process, Ethos Life accepts applicants up to age 65, with limits as high as $2 million.
Ethos Life asks basic medical questions, but coverage is effective immediately once approved. Even if you cancel or get your money back in the first 30 days without penalty, all customer buying policies from Ethos Life are eligible for a 30 day look period, which is another way to say that you can cancel and get your money back in the first 30 days with no penalties.
Mutual of Omaha Life Insurance provides high financial stability and customer satisfaction across a variety of insurance products. There are guaranteed life insurance plans available for individuals between the ages of 45 and 85. In the state of New York, the age range is 50-75. policies in many states range from $2,000 to $25,000, with no health questions or medical exams.
Mutual of Omaha's no-med exam policies have a graded death benefit. If you die within two years, the company will not pay the full policy. It has 110% of the premiums paid. The Mutual of Omaha website offers guaranteed same-day payouts for all policy types, making it a perfect choice for those who want to save a lot of money. policies for children are also available.
For those who apply for AAA Life Insurance, you'll receive immediate death benefits, with a maximum of 18 years of age. If your policy starts, you are eligible for the full policy benefit. Policies can be purchased with limits of $25,000 and $500,000. While a medical exam is not required, health questions are common.
AAA offers term policies with limits up to $500,000. For a whole life policy, the limit is $25,000. If the rider doubles the compensation for accidental death coverage, applicants can add a rider doubling the payout. Younger people have no waiting period for benefits. AAA will pay 130% of the premiums paid up to the date of death for applicants over the age of 45, for the first two years of eligibility.
How do I choose a No medical exam life insurance policy?
Life insurance customization is crucial in determining which policy is best for you. While buyers don't need to add every rider, a little research goes a long way in choosing the right company. Some applicants won't qualify for a no medical exam life insurance policy. Life insurance agents can assist you in arranging quotes that make sense for you. agents can provide realistic insurance policy options and review the costs and benefits of each.
Find the right life insurance agent by asking friends and family. To make a good decision, you need to consider factors like age, medical history, and financial goals. We don't recommend asking loved ones about individual policies. To find the best policies for you, contact a knowledgeable insurance agent.
The coverage and riders offered are crucial parts of our evaluation. We also consider the speed of pay-outs, customer satisfaction, and financial stability. The immediate and long-term performance of life insurance companies we review also plays a significant role.
With our individual reviews, you get a deep dive into individual policies, Riders, and more, while looking for more information about a specific life insurer. The same rules are applied to all competitors to guarantee readership has the edge to make informed decisions in an ever-changing market.
For more details, see our insurance rating methodology.