Term Life Insurance | No Medical Exam No Waiting Period, [SAME DAY]

Term Life Insurance | No Medical Exam No Waiting Period, [SAME DAY]

December 30, 171017 min read

Because it doesn’t call for a medical exam, Term life insurance is a fantastic choice for senior customers. The rates are often lower than those for whole life insurance, and it can be accessed whenever you want.

If you have a large family with heirs who need to be taken care of, this might not be the greatest choice because the coverage would terminate after you pass away.

Is there anything more I should know about term life?

Cheap Term Life Insurance Without Exam

How can I purchase affordable life insurance without a medical exam?


Is it possible to obtain no-exam quotes for affordable term life insurance?

You are now confronted with a lot of questions. How much life insurance can I acquire without a medical exam is another question on your mind.

You’ve finally reached the stage where you recognise the value of coverage. The no medical exam life insurance policy is actually practical and, in certain situations, has premiums that are among the highest in the market.

In reality, obtaining life insurance without a medical examination or waiting period is simple. Especially if you have no history of health concerns.

Generally speaking, even if you apply for life insurance with a company that doesn’t require a medical exam, they may nevertheless demand that you undergo an examination that includes a blood test. especially if they discover a medical ailment that already existed.

These tests typically last 30 minutes and are performed in the comfort of the patient’s home.

In addition, life carriers typically provide policies with a straightforward underwriting procedure within a week to 10 days of receiving an application for a no exam product.

Apply online for No Medical Exam Life Insurance.

See out how the No Exam Policies Compare!

Life Insurance with No Health Questions and No Waiting Period

Whole life assured issue policies are the ones that don’t ask any health-related inquiries. In actuality, there will be a two-year waiting period for these kinds of regulations. For instance, if you die within that time the expedited death benefit will not payout. Yet you’ll get 100% of the premiums plus 10% extra.

Also, these kinds of plans will be accepted regardless of health or medical issues.

Here are the life insurance providers we work with, that provide the top GI goods.

  • AIG

  • Gerber

  • Great Western

Over all, the application process for these organisations is quick and simple, and they only work with A-Rated companies or better.

Rates for Life Insurance Without a Medical Exam

Some of the products we sell to customers don’t require a medical checkup. In actuality, the underwriting procedure is quick and simple. For instance, expedited underwriting is another name for these products.

These are the policies that don’t need to be examined. Also, if your health is superb, the process will go much more quickly than with a conventional fully underwritten term policy.

Some carriers among ours provide no exam life insurance.

Nassau-based American National Sagicor Re: OMAHA Mutual

The carriers and agents will be successful in obtaining no-medical-exam term insurance quotes.

How Do I Get a No Medical Exam Life Insurance Policy

Honestly, do you have to have a medical exam to get life insurance?


The no medical exam rule has benefits and drawbacks.

The good news is that you may obtain a no exam life insurance policy very fast, that you will be accepted despite any health difficulties, and that you do not need to have a medical examination if you detest getting your blood pressure taken.

In general, even though you won’t need a physical to acquire coverage, you will need to provide certain health information. Sometimes these plans are referred to as simplified issue life insurance. The lack of a physical examination streamlines the application process.

Nonetheless, it’s likely that certain carriers with no medical coverage may demand a paramedical check if you have significant health problems. A little blood and urine sample, as well as measurements of your height and weight, would be necessary for this.

Contrarily, permanent life insurance policies are more expensive because insurers will have to believe you’re a high-risk client, like in the case of life insurance for diabetes. Additionally, certain lifestyle choices and dangerous occupations may be classified as exceptional risks.

Also, purchasing smokers’ no medical exam life insurance makes sense.

Yet, if you use marijuana, the carrier can insist on a test to determine your THC levels.

We will go into more detail about these advantages and disadvantages below.

No Medical Test Life Insurance To Get Online

Conventional Term Life Insurance vs. Online Life Insurance with No Medical Exam

Buy Life Insurance Online No Medical Exam

In actuality, no medical exam coverage and coverage for all conventional term durations are pretty similar at the end of the day. Nevertheless, the key difference, of course, is that no medical exam life insurance implies you can get protected without obtaining a medical test but in some situations paying more money.

In detail, this means that persons with serious health conditions can still be guaranteed coverage, but a standard term policy might deny them.

In other words, no exam term life insurance policies are more expensive.

For example, consumers seeking for life insurance for persons with diabetes might assume that they are better off opting with coverage without physical policy.

Notwithstanding any health issues, it is typically still possible to obtain more reasonable rates.

Yet, there is a chance to qualify for no exam life insurance for cancer sufferers after ten years from your last treatment, particularly if you are in generally good health.

Life Insurance Quotes No Medical Exam Questions

You won’t just be accepted and regarded as being in good health, but you won’t need to apply for companies that want a medical check.

Above all, insurance professionals will guide you through the application process from start to finish while holding your hand.

In this period, the majority of businesses provide stable carriers.

250000 Life Insurance Policy No Medical Exam

The popular $250k term life insurance coverage. Again, this will not require a physical checkup with the carriers we use. In fact, some of our no medical exam carriers will assume the risk if you suffered a heart attack more than 5 years ago.

For the next 20 years, people favour these measures. Indeed, doing this will adequately protect your family.

The following are some of our top carriers with a 250k no medical exam term:

  • American National (Living Benefits)

  • SBLI

  • Sagicor

  • Nassau RE

  • Assurity (350k)

  • Foresters (400k) Seniors over 65 (150k)

500k Life insurance No Medical Exam

Foresters (400k) (400k) a little something likes likes a little something zees thes mes zees, life assurance Not a Medical Exam

If you have serious health problems, getting life insurance policy rates without a medical exam can be difficult. a more an an a. a……..

The $500k coverage will shield your family from the majority of financial difficulties. Mortgage, debts, and final expenses are a few examples.

Sagicor’s One Million No Medical Exam Life Insurance

Sagicor has accomplished it at last! No-exam life insurance from Sagicor!

Fully underwritten life insurance is no longer associated with the $1,000,000 life insurance policy!

Sagicors million dollar term life insurance is offered here without a medical exam. In most instances, the automatic underwriting decision for the Accelerated underwriting will take two minutes.

For all 10, 20, and 30-year term life insurance plans, they will perform a quick MIB (Medical Information Bureau) check and, in some situations, a potential APS (Medical Records) check.

The rating classes for Sagicor Sage Term Million Dollar Life Insurance range from ordinary to Preferred and Preferred Plus. This puts Sagicor far ahead of the purported Non-Med carriers!

Here are some sample quotations for fully underwritten versus Sagicor Sage term one million life insurance.

45-year-old male, in good health

Life insurance no medical exam 500000 (half Million)

If you are a healthy 45-year-old male and you are seeking for a half-million-dollar coverage, see the chart below. With Sagicor, you’ll discover that the prices are excellent!

No medical test instant life insurance quotes

Those who provide life insurance no examination, no medical inquiries?

The finest insurance provider with no medical requirements is AIG. usually picked if you have some underlying medical conditions.

In this situation, a no medical life insurance provider like AIG or even Great Western would have a 2-year waiting period, which means that the beneficiary would receive the paid premiums + 10% if the insured passed away naturally during the first 24 months.

If you have any inquiries about this kind of policy, speak with your agent.

You will have same-day life insurance coverage with AIG despite a 2-year waiting period. Indeed, quick life insurance is available without a medical exam.

Life Insurance Quotes No Medical Exam Seniors

Is there a no exam life insurance for seniors? When you’re living on a fixed income after retirement, coverage might actually get very expensive if you keep putting it off.

It’s crucial to understand that if you are over 65 and in good health, a no-medical policy may be available to you. Within days, carriers offer policies. Find out from your agent which companies provide senior citizens with term life insurance without a medical exam.

Alternatively you can phone us and we will go over the choices that are open to you.


By all means, if you are in good health, you may be able to obtain term life insurance without having to undergo a medical examination. With this in mind, here are some of the rates for a senior over 70.

These rates are for terms of 10 and 15 years, respectively.

10 year terms without exams for those over 70

15-year terms without exams for anyone over 70

No Exam Life Insurance Quotes For Seniors Over 80

What about life insurance for seniors over 80 without a medical exam? Some individuals say this is not possible to attain.

Over all, as a male, you are past mortality age when you reach the age of 80. (77). Moreover, the female mortality age of 81 is still a year away. Carriers of life insurance will consider you a risk in particular.

They are aware that they will be required to pay a death claim in this instance. Statistics support this. Or, to put it another way, they will charge you for it.

These are no medical exam life insurance rates for a male 80-year-old on a 10-year term.

What Types of Life Insurance No Exam Policies are there

Graded death benefit, level final expense insurance, simplified issue, and guaranteed issue are the four primary types of no medical exam life insurance policies available. This is a summary of these regulations:

  • Accelerated Underwriting A fully underwritten policy called “accelerated underwriting” employs new data and modelling approaches to assess eligibility without the need for a paramedical examination.

  • Graded death benefitGradually increasing amounts of money are released from this policy’s death benefit each year.

  • Level final expense Plans for level final expenses that include burial insurance with lower policy limits and laxer questioning

  • Simplified issue Ideal for those in good health who would rather skip a physical exam is a simplified solution to the problem. Nonetheless, you’ll be required to complete a medical questionnaire, and their requirements for good health are more stringent than those of the others.

  • Guaranteed issue life insurance Assurance with a guaranteed issue — With the exception of the health questionnaire, the same as a simplified issue. There are age restrictions, but guaranteed issue life insurance plans are available to anyone in good health.

Each of these, of course, has advantages and disadvantages. Whatever you choose depends totally on your circumstances and preferences. Also, if you’re seeking for life insurance for people over 55, the longest term coverage available is 20 years.

You must be careful while shopping with an independent agent who is familiar with the goods and services provided by various carriers. This will guarantee that you get the best carrier and rate! Again, past and present health issues will probably have an effect on the rate.


As crucial is determining which alternative, or options, is the best. To clarify, we’ll mention a few of the top insurance providers that don’t require you to have a medical exam:

  • SBLI:No medical examination life insurance Quick, practical, and well regarded describe SBLI. coverage range of $100,000 to $500,000. They therefore have a valid no exam 500000 life insurance policy.

  • Assurity Life Insurance Company:Visit our Assurity Review post to learn more about Assurity Life Insurance Company. offers ranging from $50,000 to $350,00. The process is mostly done online!

  • Phoenix Life:Express Underwriting for 25k-400k for people ages 18-50, 25k-300k for people ages 51-60, 25k-200k for people ages 61-70, and 25k-100k for people ages 71-80.

  • Sagicor: Now potentially making $1MM without a test.Up to $500K non-med and $500K – $1MM Accelerated Underwriting (possible exam), Ages 18-45 up to $1MM, Ages 46-55 Up to $750k, Ages 56-65 up to $500k

  • Foresters: $50,000 to $400k in coverage amounts, 18 to 55 years old, and up to $150k from 55 to 80 years old! Apply through the Foresters site, and you’ll hear back in 10 minutes.

  • American National (ANICO): For individuals who qualify, non-medical benefits are up to $1,000,000, with a $250,000 cap on Living Benefits.

  • Fidelity Life: See our review of Fidelity Life to learn more. If you’re between the ages of 18 and 65, in good health, and need really quick coverage, your options could range from $25,000 to $250,000. For seniors, Fidelity Life offers affordable life insurance (50-70 years of age). Moreover, life insurance for people over 75.

The first thing to keep in mind is that these are merely a few suggested examples. Of course, there are a lot more choices available. Before making a choice, it is essential to shop about and compare rates and policies.

These are the most affordable reputable non-medical examination term life insurance policies available.


Most Transamerica insurance demand a medical exam. Yet, you might be able to receive a no medical exam policy if you are younger than a specific age and applying for a specified level of coverage. As always, the results of your health questionnaire will determine whether you are eligible and approved. Also, you could be able to buy a term for 30 years at the age of 60.

Rates for Life Insurance with No Medical Exam


What is the process of non-medical underwriting?

You’ll typically be required to complete a brief medical questionnaire. Other variables include things like family history, driving history, and medical history.

Here is a quick movie contrasting term life with and without an exam.

The cost of your life insurance will also depend on your age. Also, the A.M.Best rating agency is the best rating agency; check sure the business you’re considering is A/A+ rated.

Also, even with a no exam coverage, smokers will pay 2-4 times the price for life insurance.

an an a…………………

Not to mention that getting life insurance with no test after a DUI will be difficult. A no exam option will be available if it has been longer than three years.

Diabetic Insurance Solutions Simple Process

We at Diabetic Insurance Solutions are not in the selling industry. Indeed, we oppose that. We like to inform our customers and give them the greatest choices. In actuality, we based those choices on the client’s particular profile. Thus, we create a HOW MUCH LIFE INSURANCE DO I NEED plan just for you (Needs Calculator)


Most importantly, this is one of the most significant financial choices you will ever have to make. You may also be curious about how much life insurance is available without a medical exam. In light of this, there are numerous considerations for this choice, and computations will be necessary. The following is a list of some factors you should think about:

  • How much debt do I have?

  • How much money will my kids need to become adults?

  • What about the college costs for my kids?

  • funeral costs?

  • Without my income, what will my family need?

Calculate Your Life Insurance Needs

How much life insurance should they purchase?


Positively, with the correct carrier, no exam insurance can be issued in as little as 4-5 days! Furthermore, life insurance in your 30’s is a perfect time to purchase a no exam term policy. But for some, the wait for an APS, or “attending physician’s statement,” might go up to a month.

an an an an an as a the the a s an a a. I’ll bet you didn’t know that. I’ll bet you didn’t know that. Certainly not a no-exam policy, though.

Your HDL/LDL ratios and overall cholesterol under 300 will also affect how much you pay for life insurance if you have high cholesterol that has been treated. To sum up, the only type of policy you can obtain more quickly is assured acceptance coverage or inexpensive burial insurance.

Guaranteed acceptance life insurance no health questions

For those who are not in the best of health, this is a fantastic option. In actuality, if you are ineligible for other sorts of plans, this is actually your final resort. nonetheless, is usually a little more pricey.

There is one item to consider.

If you pass away during the first two years of a guaranteed acceptance insurance from natural causes, the policy will reimburse the beneficiary for the premiums paid thus far. 10% more on top of that. If you die from an accident, the policy will pay out the entire death benefits to the beneficiary. It’s imperative to discuss this with your agent. If this turns out to be your only choice, having something in place is preferable than having nothing at all. Keep in mind that “Go Fund Me” is not life insurance.


At Diabetic Insurance Solutions, we are fully aware of the best life insurance providers to properly set you up for family safety. There are various types of life insurance businesses. That is to say, we can assist you in locating the coverage that is most suitable for you based on your circumstances (financially, physically, etc.)!

About Hassan Sanders of Diabetic Insurance Solutions

I’m Hassan Sanders, the owner and representative of Diabetic Insurance Solutions. 46 states have granted us licenses.

With the Top A+ rated carriers, we will offer you the greatest coverage possibilities. My objective is to arm you with sufficient information and insight to enable you to choose what is best for your family.

Do you offer life insurance quotes online without a medical exam? YES!

Once you complete the connection on this page’s left side, your quotes will appear right away.

To provide you with a precise price and respond to any of your inquiries Call me now! You will be indeed guaranteed life insurance with no health test. I’ll guide you through every step of the procedure!

You saw glimpses of your children’s future as soon as they were born. By getting life insurance, you may assure that your family’s future plans will be carried out long after you are gone.

Life insurance is the final “I Love You” gesture.

In addition to no medical exam policies, we provide all other sorts. This covers temporary, complete, universal life, etc. Ask if you have any questions about life insurance!

Call DiabeticInsuranceSolutions.com 855-468-8900 today for your free estimate.

Diabetic Insurance Solutions founder and owner is Hassan Sanders


The ideal strategy to purchase a term life insurance policy is by getting the cheapest one you can find without medical exam. These plans are offered by a wide range of companies, so it’s crucial to complete your homework before making a purchase. We have professionals available around-the-clock who will be happy to respond to any inquiries and provide quotations from reliable companies in minutes if you need assistance with this procedure. If you’re interested in learning more about no medical exam term life insurance, just fill out the short form below or call us at DiabeticInsuranceSolutions.com 855-468-8900.

Back to Blog

Copyright © 2008-2024 By DiabeticInsuranceSolutions.com