We compared over a dozen life insurance companies to find the best. We focused on features like maximum issue age, no medical-exam policy options and available riders. Financial strength and customer satisfaction ratings.
When you are buying life insurance after 50, there are some things you need to consider. As you get older, your premium for life insurance will increase. The rates for life insurance will increase the older you are before you get a policy. You may not be eligible for certain policies if you have pre-existing conditions.
There are two types of standard life insurance policies that don't require medical exams: guaranteed issue and simplified issue. Knowing the differences between them and what they offer can help you choose which policy is best for you.
People who just had children often use life insurance to protect their financial future. They want their children and spouse to live the same lifestyle they expect.
Things change once you turn 50.
If you don't understand your options, it can be discourageing to seek life insurance when you're over 50. Most people believe that insurance after 50 is too expensive and difficult to obtain. You don't have to be a senior citizen to get affordable insurance.
Life insurance policies do not always require a medical check. Discover the options available to you for fast, low-cost coverage that does not require a medical exam.
There is no need to take a medical exam in order to obtain life insurance. There is no waiting time, the application is straightforward and may make it easier to be approved. You could be eligible for coverage you don't normally have because of pre-existing illnesses or work in dangerous occupations (e.g. firefighter, contractor, racecar driver). However, choosing a policy which doesn't require you to undergo a medical exam might increase your premiums and limit your coverage.
There are no limits on the duration. It can be extended for a lifetime with both the coverage and the premiums.
No matter your stage in life, we can help.
Insurance companies can't assess your health and lifestyle without health information. The higher premium they charge compensates for the greater risk of offering insurance without conducting a thorough medical exam. If you have a manageable condition, a typical policy for life may offer a lower premium. Compare life insurance quotes before you decide to get life insurance.
We compared many life insurance companies in order to help you find the best one for you.
Decide what kind of policy you need, how big your coverage should be, how long you need it for, and how much. This will help you to choose the right policy that is right for you and your family.
For those who are in urgent need of life insurance, no exam life insurance is the best option. It can be approved in as little as 7 days. People who don't have the time or dislike needles, and those who can't afford to see a doctor. It is suitable for people who aren't eligible for traditional life insurance. This life insurance policy provides immediate coverage and no exam.
There are two types if life insurance policies that do not require medical exams. A no-exam, guaranteed or simplified life insurance policy might be the best option for you.
Just a few questions will get you a quick and easy quote on term life insurance. You can even buy online life insurance if qualified.
Can I get life insurance without a medical exam? Yes, some insurers offer no medical exam life insurance, usually called guaranteed issue or simplified issue policies.
Guaranteed issue, also called guaranteed acceptance, is a type of whole life insurance that requires no medical exam or health questionnaire. Most insurers only offer guaranteed issue life insurance to older adults, usually aged 50 to 80, although age limitations can vary by carrier.
Term and permanent life insurance options are available for individuals with a chronic illness. Some products, including simplified issue and guaranteed issue, are available without a medical exam. Policy options, premiums and coverage amounts may depend on how well a chronic illness is managed.