Not all insurance companies require a physical exam to issue life insurance. You can get up to $400,000 life insurance without a medical exam, depending on age and health issues. There are also guaranteed to issue policies, that will issue up to $35k - $50k even if the client has pre-existing conditions. These are called Final Expense life insurance.
Yes, a stepfather can purchase life insurance on a step daughter as long as she is willing to sign the application as the insured, and is willing to submit to the insurance company physical exam, if so required.
Allstate insurance offers term life insurance with no exams.
Many life insurance providers offer life insurance with no physical exam required. One well-known company is Globe Life Insurance. For customers over 50 years of age, AARP also offers a life insurance policy with no physical required.
With HSBC you can get up to a 500,000 dollar policy and no medical exam is required.
Yes there is. Mutual of Omaha is a reputable life insurance company that does not require a physical exam.
No physical exam burial insurance may be available from an insurance agent in your area who specializes in burial or life insurance. Other options you may have include contacting insurers who offer simplified life insurance plans online including Colonial Penn, Garden State Life, and Globe Life Insurance. These plans usually offer up to $30,000 of coverage with a simplified application process, and no medical exam required.
Many life insurance companies do not require a physical exam. The cost of coverage from these companies is usually more expensive than the same coverage if a medical exam is taken.
Usually an exam is required, but depending on your age and the value of the policy, an exam may not be required.
State license required after passing exam
Though the word affordable is somewhat sujective, Allstate does offer term life plans without a required physical exam.
The answer for whatever exam you are taking is "premium".
Yes, you can get life insurance on your mother. A child and mother have insurable interest in each other. Insurable interest is required in order to purchase life insurance on another person. Spouse have insurable interest, siblings, and parents-and-children. Your mother may need to answer some health questions, sign a life insurance application, and take a physical exam to qualify for life insurance.