No Medical Life
Insurance – No Exam
Simplified issue life insurance
Simplified issue life insurance does not require a medical examination but does include a number of health-related questions. In general, the longer the health questionnaire, the lower the cost of the insurance coverage.
Guaranteed issue life insurance
Guaranteed Issue life insurance does not require a medical exam or answers to any health-related inquiries. These plans are available even if you’ve been previously turned down for insurance. The face amount of a Guaranteed Issue Life Insurance policy is usually $5,000 to $50,000.
How does “No Medical”
There are several insurance policies that do not require a medical test.
Guaranteed Issue plans are useful for people who have significant illnesses and would not otherwise qualify for coverage.
Guaranteed Issue policies are for anyone who has a severe illness and may otherwise be difficult to insure.
“No Medical” coverage is great for pre-need plans to cover funerals.
The average minimum burial coverage is between $4,000 and $15,000, while more elaborate funerals may cost significantly more.
Work with an agent that has access to many different plans.
This will allow you to receive the lowest price and best plan structure for your specific needs.
We work with insurance companies on your behalf, shopping and negotiating to get you the lowest rates and best policy for you and your family.