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What Life Insurance Policies Do Not Require A Medical Examination?

If you have a pre-existing condition or if you are older than 65 years, you can buy a life insurance without medical examination required. It is easier to qualify for this type of plans and they are very accessible. In this article we will discuss several policies that do not require prior medical tests.

1.     Simplified issue

lifeinsuranceSimplified issue is a temporary policy. It guarantees a benefit, only if the insured dies during the policy’s term. Coverage is available from one to 20 years, depending on what type of plan you choose.

In order to qualify for coverage you have to complete a questionnaire and answer “no” to all the medical questions. People who suffer from cancer, AIDS or have been declared terminally ill are not eligible for a plan.

The coverage value (for most policies) ranges from $1,000 to $250,000.  The limited coverage may make this policy unattractive for people who need better financial protection. However 200,000 is enough for most families.

2.       Final expense life insurance

Unlike simplified issue, final expense is a permanent life insurance without medical examination policy. The coverage does not expire, but the benefit is graded. A graded benefit means that the policy will not pay out if the insured dies in the next two years after signing the contract.

Final expense is a policy that offers coverage meant to cover funeral costs. Compared to simplified issue, the maximum coverage amount is smaller.

On the plus, side, qualifying for this type of coverage is a lot simpler. You only have to answer 4 questions:

  • Do you smoke?
  • Are you suffering from cancer?
  • Do you have AIDS?
  • Have you been declared terminally ill? (have less than 12 months to live)

In order to be eligible for coverage, you have to answer “no” to the last three questions. Smoking will not disqualify you. It will make the premiums a lot more expensive, though.

If you need life insurance without medical examination, you have to search for quotes. We have the best offers from top providers waiting for you. Visit our website and find a policy that is right for you and your loved ones!


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