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Compare No Exam Plans with LiteQuote
The medical exam can often be one of the most challenging parts of the life insurance application process. While the actual exam is simple, it’s a part that many people wish they could avoid.
Luckily, it’s possible to get a life insurance policy that requires no medical exam. Whether you just aren’t interested in taking the medical exam, are in a hurry to get covered, or are concerned about your current health not working in your favor, there are a few options to get you and your loved ones covered without taking a medical exam.
Simplified Issue Life Insurance
Simplified issue life insurance is a good option for both seniors and individuals with health problems and falls under the category of final expense insurance. Although approval isn’t always guaranteed, your coverage is based on a questionnaire about your health and lifestyle rather than a medical exam.
At LiteQuote, we can help you determine if simplified life insurance is right for you, but it’s important to keep in mind that insurance carriers might use the following to qualify you without an exam:
- Pharmacy report, which typically lists all of the medications you’ve been prescribed over a certain number of years
- Motor Vehicle Record report
- Medical Insurance Bureau report (also known as MIB and typically used if you’ve applied for or been denied life insurance previously)
- Credit/financial history
Guaranteed Issue Life Insurance
Along with simplified issue, guaranteed issue whole life insurance is another type of final expense insurance. Guaranteed issue life insurance is just as the name implies: guaranteed. Unlike simplified issue life insurance, guaranteed issue skips the health questionnaire and only requires a basic application to be completed. If you’re between the ages of 45-85, you can’t be turned down, making it another solid option for seniors or individuals with health concerns.
No medical exam life insurance is an option that can not only save you time, but can be beneficial for those concerned about their current health or age working against them in terms of affordability.
