Life Insurance

Insurance requiring no physical exam?


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2010-05-03 02:23:22
2010-05-03 02:23:22

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.

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There are many Insurance Companies that will offer life insurance policies without a medical exam. However, the rates will most likely be higher than you would pay for a life insurance policy from an insurer requiring a physical exam.

Yes there is. Mutual of Omaha is a reputable life insurance company that does not require a physical exam.

Allstate insurance offers term life insurance with no exams. and both specialize in term life insurance quotes, including those that don't require an exam.

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.

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.

Life insurance companies use the results of the physical exam to determine how much the customer should pay. A healthy person pays less than a person who is not healthy.

Getting a life insurance without having to go through a physical exam can be a little tricky. Normally most insurance companies can agree to that, but because they have no real medical information about you, they take higher risks and charge 2 or 3 times more than they do for a normal insurance.

Call or go online for a free life insurance quote to see what you can qualify for without a physical exam.

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.

Many companies offer life insurance to new employees without requiring a physical. If that is not an option, then Mutual of Omaha also offers policies that do not require a physical, but the policies do have age restrictions.

There are several things you can do to help you prepare for your life insurance physical exam. 1. Don't drink caffeine the day of the exam. 2. Schedule the exam for the morning. 3. Don't exercise the day of the exam. 4. Don't eat poppyseed bagels before the exam, sometimes this may give a false positive for drugs in your system.

about 500 The prostate exam is part of a routine (annual?) physical for men. Since prices are likely to vary worldwide you should check with your own doctor's office for the price of a physical and to ask if the prostate exam is available separately.

It would mean you could get term life insurance with no medical exam. Term life insurance only protects you till a certain age.

The field of insurance is regulated by the states, so there is no national insurance exam. Each state has established requirements to be able to sell different types of insurance. An exam is part of the requirement for most states, but each exam will focus on that state's laws and regulations.

With HSBC you can get up to a 500,000 dollar policy and no medical exam is required.

You can get life insurance online without a medical exam. Some websites you can go on to get life insurance without a medical exam are AnicoDirect and Efinancial.

Several companies offer life insurance without the need for a health exam in Canada. Some options include Canada Protection Plan, Manulife Financial, and RBC Insurance.

Yes, a stepdaughter can purchase life insurance on her stepfather, as long as he is willing to sign the application as the insured, and is willing to undergo a physical exam, which the insurance company will pay for.

MetLife offers life insurance with a 'no medical exam' feature.

The cost to get no medical exam life insurance is about $500-1000 a year.

Upon extensive research it has proven difficult to access the names of insurance companies in the US that do not require a physical exam. Due to living in Canada results appear for Canadian companies but very little info can be found for the US. It appears that American National and Fidelity Life are two that offer life insurance without a medical.

There are several companies that offer term life with no exam. There may be other factors and limits on coverage.

It depends, for you go for the life insurance with exam and you are not helthy, it is going to be more expensive than the no medical exam life insurance, but if you are helthy it is going to be cheaper.

Check with for no medical exam life insurance. may also be able to help you with that type insurance.

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