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Top 10 Best No Medical Exam Term Life Insurance Companies in 2017

no medical exam life insurance

In the following article we will review the current class of companies that make up the best choices for no exam life insurance for 2017. The main criteria we looked at in comprising this no exam list of life insurance companies is price, ease of use, and company strength. If you need no medical exam term life insurance quotes in a hurry please give us a call today or enter your info below to start the process online.

Top 10 Best No Medical Exam Term Life Insurance Policies for 2017

(According to TermLife2Go. And yes, we know there are 13, but top 10 lists are so much better.)

  1. American Amicable
  2. American National
  3. Assurity
  4. Fidelity
  5. Foresters
  6. Gerber
  7. Mutual of Omaha
  8. North American Company
  9. Phoenix Life
  10. Principal Financial Group
  11. Sagicor
  12. SBLI
  13. Transamerica


At TermLife2Go, we are frequently contacted by clients who are specifically looking to purchase a “no medical exam” life insurance policy, which is great! We represent a bunch of no medical exam companies that can get you approved online for life insurance in 24 hours or less, with some companies as quick as 15 minutes. One of these no questions asked life insurance carriers might be the way to go for you.

After all, there are many situations where no physical exam life insurance is ideal for those looking to get life insurance quickly (such as to cover an SBA loan or for a divorce decree requirement) and avoid the tedious process of having a medical examiner come to their home or business to perform an exam. After all, there are serious advantages of choosing no exam versus exam life insurance.

However, what one must be careful about when looking for a no medical exam life insurance policy is that they don’t let the allure of “not taking a medical exam” cause them to make a mistake that they will later regret!

Mistakes such as:NoMedicalInfoGraph

  • Assuming that you only have one or two different no medical exam life insurance options.
  • Over paying for very little life insurance coverage.
  • Purchasing a policy that will have gradually become more expensive as you age.
  • Buying a insurance policy that only covers accidental causes of death, and excludes natural causes of death such as heart attack, strokes and cancer.
  • Etc, etc…

For this reason, we’ve chosen to write this article to first, highlight some of the companies who we feel are currently offering some of the top 10 no medical exam term life insurance policies out there and second, to highlight why some types of life insurance policies may be a better than others in certain situations.

Now since we offer all of these companies quite frequently, we’ve chosen to list them in alphabetical order so that it doesn’t appear that we favor any company over the other.

Ultimately the decision on which of these companies is best for you will depend on your unique health situation and what goals you hope to achieve by purchasing life insurance for your family. We also specialize in fully underwritten companies so don’t forget to check out our Best Life Insurance Companies in the United States list if you are considering taking an exam.

For more on why “Best Life Insurance Companies” articles should be examined carefully, please check out our article on Which Life Insurance Company is Best for You?

No Medical Exam Life Insurance Companies Comparison Chart

Please Note: issuance of any no medical exam policy  may  depend  upon  the  answers  to  the  health  questions set forth in the application for that particular carrier.

Company Name No Exam Life Insurance Policy A.M. Best Rating Approval Waiting Period Coverage Amount Offered Riders
Family Protection Plan A.M. Best Rating A- Instant Issue – No Medical Exam $10,000 – $150,000 Critical Illness, Emergency Burial Benefit
Term Made Simple A.M. Best Rating A Simplified Issue – Background Check – 48-72 hours best case $50,000 – $400,000 Accelerated Benefit,
Waiver of Premium,
Chronic Illness,
Total Disability Benefit
Term Life, Whole Life, Guaranteed Issue A.M. Best Rating A Simplified Issue – Background Check – 48-72 hours best case Term up to $250,000
Whole up to $150,000
GI up to $25,000
Conversion Option,
Waiver of Premium,
Living Benefits
NonMed Term 350 A.M. Best Rating A- Simplified Issue – Background Check – 5-7 days best case $50,000 – $350,000 Conversion Option,
Critical Illness
Rapid Decision Express A.M. Best Rating A- Simplified Issue – Background Check – 24 Hour decisions at best $25,000 – $250,000 Accidental Death,
Dependent Child
PlanRight Whole Life Ages 50-85 A.M. Best Rating A Simplified Issue – Background Check on some plans $2,000 – $35,000 Depending on Plan Common Carrier,
Accidental Death
Guaranteed Life Insurance Plan A.M. Best Rating A Guaranteed Issue – No Medical Exam and No Health Questions $5,000 – $25,000 Cash Value
Term Life Express, Guaranteed Universal Life Express, Living Promise Whole Life A.M. Best Rating A+ Simplified Issue – Background Check on some plans Varies based on product Disability Income,
Waiver of Premium,
Accidental Death
LifeVue Simplified Issue A.M. Best Rating A+ Simplified Issue – Background Check – 24 Hour decisions at best $50,000 – $500,000 Accelerated Death Benefit, Conversion Option
Safe Harbor Term Life Express A.M. Best Rating B Simplified Issue – Background Check – 24 Hour decisions at best $25,000 – $400,000 Chronic Illness, Terminal Illness, Critical Illness
Term Life and Universal Life A.M. Best Rating A+ Accelerated Underwriting – Background Check – 24 Hour decisions at best Up to $1,000,000 no medical exam required if qualified Accelerated Death Benefit, Conversion Option
Sage Term Life;
Sage No Lapse Universal Life
A.M. Best Rating A- Simplified Issue – Background Check – Some Approvals within 1 Hour Term up to $500,000
Universal up to $400,000
Accelerated Benefit, Nursing Home Confinement, Conversion Option
Guaranteed Level Premium Term A.M. Best Rating A Accelerated Underwriting – Background Check – 7-10 days best case $100,000 – $500,000 Accelerated Death Benefit, Conversion Option
Trendsetter Super A.M. Best Rating A+ Simplified Issue – Background Check – 7-10 days best case $25,000 – $249,999 Accident Indemnity,
Waiver of Premium

 

No Medical Exam Life Insurance Companies In Depth

Let’s take a closer look at these awesome simplified issue life insurance companies and policies.

 

American Amicable

Carrying an A.M. Best Company rating of “A,” American Amicable’s no exam life insurance is a no brainer for many of our clients considering securing protection without having to take an exam or give blood. The Company’s flagship no physical exam product is called Term Made Simple.

About Term Made Simple

Term Made Simple is level premium term life insurance that requires no exam and no blood work. The policy offers many excellent riders and comes in term lengths of 10, 15, 20 and 30 years. Available for ages 18-65 (75 years for 10 year term), this product offers competitive no medical exam life insurance rates, for preferred, standard and standard tobacco health classes.

For more, see our American Amicable Review.

American National Life Insurance Company

american-national

With an A.M Best Company rating of “A” American National Insurance Company (ANICO) needs to be considered when looking at which company is going to provide you and your family the best no exam life insurance coverage possible.

What makes American National particularly attractive is it’s wide range of no medical exam life insurance options, such as:

Freedom Term Life Insurance

  • Term life insurance with no exam for 10, 20 or 30 years.
  • Face amounts up to $250,000.
  • Approval in less than 15 minutes.

ValueGuard Whole Life Insurance

  • This is a whole life insurance no medical exam policy.
  • Face amounts up to $150,000.
  • Approval in less than 15 minutes.

Legacy Whole Life Insurance

  • No exam and no health questions guaranteed issue whole life insurance.
  • Coverage available up to $25,000.
  • Available for ages 50-80.
  • 2 year Graded Death Benefit (If you die in the first 2 years policy returns 110% of premium paid).
  • You can have coverage in as quickly as 5 minutes.
  • Fixed premiums and fixed death benefit.

For more, see our American National Life Insurance Review.

Assurity

assurity logo

With over 123 years of providing life insurance coverage and an AM Best Company rating of A, excellent, it’s tough not to consider Assurity when it comes to providing life insurance no exam options.

Ultimately, when it comes down to recommending Assurity, the main deciding factor will be: does Assurity have a product that meets your needs?

Assurity’s Term Life Insurance options consist of:

  • A NonMed Term 350 – This product is available to clients who are between the ages of 18 and 65. With a no medical option insuring qualified applicants up to $350,000 in coverage.
  • Term 350 Plus – Is also available for individuals over the age of 74 or who are looking to purchase more than $350,000 in life insurance coverage. The only disadvantage to the Term 350 Plus is that it will require a full medical exam.

Assurity also offers a whole life insurance product, which is sold as simplified issue life insurance, fully underwritten life insurance, or single premium life insurance.

  • Simplified Issued Life Insurance Policy – Benefits are based on the insured’s medical history as determined from a health questionnaire. The exact benefits available will depend on responses.
  • Fully Underwritten Life Insurance Policies – Are policies that will require further underwriting that a simplified life insurance policy and will typically require a full medical exam.
  • Single Premium – Has a guaranteed death benefit and just one payment. There are no recurring costs for this type of policy, but typically the upfront cost of such a policy will make it an unlikely option for most.

Lastly, Assurity Life Insurance company also offers a Universal Life Insurance policy called “Premier Universal Life”.

The Premier Universal Life plan offers clients a flexible payment schedule for policies of amounts up to $50,000. With these policies, clients can take out a zero-interest loan against the policy, utilizing its cash value, after they have had their policy in place for at minimum of 11 years. The base value can also be boosted by paying more into the policy.

Sample Assurity Non Med Term 350 Simplified Issue Quotes

Sample rate quotes are based on a 50 year old male as of February 2017. Rates are for informational purposes and in no way reflect what your actual rate may be.

Face Amount 10 Year 20 Year 30 Year
$100,000 $36 $56 $85
$200,000 $67 $106 $163

For more, see our Assurity Life Insurance Company Review.

Fidelity Life

fidelity-logo

Fidelity’s Rapid Decision Express: Excellent no exam product offering approvals free from hassles due to Fidelity’s state-of-the-art technology it employs to give clients real time underwriting. A few health questions are all that are required to qualify for this innovative product. Term lengths available vary by age but 10, 15, 20 and 30 year terms are offered.

For more on Fidelity Life’s RAPIDecision product line, see our Fidelity Life Review.

Foresters

foresters-logo

Foresters in another one of our favorite life insurance companies when it comes time to look for life insurance with no medical exam. Rated “A”, excellent, by A.M. Best, the premier rating agency, you can sleep easy knowing that your life insurance company has a solid financial footing and will be there for your family if needed. Foresters also has a solid product line to offer potential clients as well.

PlanRight Whole Life Insurance

Probably one of the more popular products offered by Foresters is the company’s final expense policy, the PlanRight Whole Life Insurance.

The PlanRight Whole Life Insurance product is a permanent no medical exam policy that has a guaranteed level premium with one of the lowest rates on the market today. In fact, we believe that the PlanRight Whole life insurance product makes Foresters one of the best final expense insurance companies available.

With that being said, there are health questions and requirements that must be met, which is why the PlanRight Whole Life Insurance policy may not work for everyone.

The product comes in three flavors: Fixed, graded, and modified.

Fixed Death Benefit: the death benefit is 100% of the face value from the start.

Graded Death Benefit: there is a limited death benefit the first two years. You will receive the greater of the sum of the total premium paid accumulated with 4.5% interest or 30% of the face amount in effect for the first year and 70% in effect on the second year. After the first two years the death benefit is 100%.

Modified Death Benefit: limited death benefit the first two years based on return of premium paid plus 10%. After the first two years the death benefit is 100%.

For more, see our Foresters review.

Gerber Life Insurance

gerber_life-logo

While being best known for their baby food and their Gerber grow up plan, one should not overlook Gerber Life insurance company when also considering a burial life insurance policy offering life insurance no health questions required.

With an A.M. Best Company rating of “A”, along with a cash value whole life insurance no medical exam policy, providing coverage up to $25,000 dollars, it’s easy to see why Gerber Life Insurance made our list.

Ultimately, when it comes time to purchase a Gerber Life insurance policy, what we typically look to see is: can the applicant “medically” qualify for a different policy? If not, this no medical questions policy is a great option.

If another policy is available, then we see how Gerber life insurance compares with regards to price and if the alternative option has a waiting period. If the client can’t qualify “medically” elsewhere, Gerber Life Insurance is a great company to get insured with.

Sample Gerber Guaranteed Issue No Exam Life Insurance Quotes

Guaranteed issue life insurance quotes are based on a 66 year old male as of February 2017. Rates are for informational purposes and do not reflect a guarantee as to what your rate will be.

$5,000 $7,500 $10,000 $15,000
$35 $53 $70 $105

For more, see the Gerber Guaranteed Life Insurance Review

Mutual of Omaha (United of Omaha)

mutual-of-omaha-logo

Mutual of Omaha offers life insurance no medical exam policies for face amounts under $250,000. And for ages 45-85, United of Omaha Life Insurance Company offers a great no exam whole life insurance policy on face amounts ranging from $2,000 to $40,000. There is a background check on these policies which include review of the medical information bureau and prescription drug database.

For more, see our Mutual of Omaha Life Insurance Company Review.

North American Company

North-American-Life logo

LifeVue Simplified Issue: Simplified issue term life insurance policy available in 15, 20 and 30 year terms. Since LifeVue is a simplified issue policy, the company does require you answer health and lifestyle questions but it does not require a you take a medical exam, partake in a blood draw, or provide a urine sample, making it one of the fastest online life insurance policies out there.

  • $50,000 life insurance no exam up to $500,000 life insurance no exam.
  • Ages 18-50.
  • Fast Approval Times.
  • Accelerated Death Benefit.
  • Multiple Underwriting Classes:
    • Super Preferred
    • Preferred
    • Standard
    • Substandard
    • Preferred Tobacco
    • Standard Tobacco
    • Substandard Tobacco

For more, see our review of North American Company for Life and Health.

Phoenix Life

no-exam-life-insurance-phoenixSafe Harbor Term Life Express is unique in the no medical exam market due to its living benefits. This life insurance without medical product features:

  • Available for ages 18-80
  • Term Length: 10, 15, 20 and 30 Year (availability based on age)
  • Face Amounts: $25,000 to $400,000 (availability based on age)
  • Accelerated Benefit Riders (where available):
    • Critical Illness
    • Chronic Illness
    • Terminal Illness
    • Unemployment waiver of premium rider
  • Conversion Option

For more, please see our Phoenix Life review.

Principal Financial Group

principal-financial-group_logo

The Principal Financial Group offers no medical exam term and universal life insurance. Face amounts of up to $1,000,000 life insurance no exam are available for individuals and up to $2,000,000 no physical exam policies are available for Survivor Life Insurance.

The pricing on the company’s life insurance with no medical exam product may at times is very competitive with fully underwritten “exam required” policies. The company refers to its no medical policy as accelerated underwriting which can take as little as 48 hours for approval.

To qualify, an applicant must fill out an application, which is followed by a phone interview that can be taken immediately or set for a future date to accommodate the client’s schedule. The underwriter evaluates the results from the telephone application, Motor Vehicle Report, Prescription database check and Medical Information Bureau report.

The client either passes, and therefore, no medical exam is required. Alternatively, an exam may be requested based on the results from the various reports. Roughly 50-60% of healthy applicants are approved without having to take an exam or submit labs.

Principal Financial offers extremely competitive life insurance rates no medical exam. The company’s 10 year term life insurance and 20 year term life insurance rates are sometimes the some of the most competitive in the market, even compared to exam policies.

Sample The Principal Financial Group Life Insurance Quotes

All quotes are based on a preferred plus 45 year old male as of February 2017. Rates are subject to change and are meant for comparison purposes only.

Face Amount 10 Year 15 Year 20 Year 30 Year
$250,000 18 23 28 47
$500,000 30 40 50 88
$1,000,000 49 73 98 166

For more, see the Principal Financial Group Reviews

Sagicor

sagicor-logo

It’s tough to create a list of the top 10 best no medical exam life insurance companies in the United States today without at least mentioning Sagicor Life Insurance Company. Sagicor’s strong A.M. Best Company rating of A-, along with its quick and easy underwriting process, makes it one of the favorites at TermLife2Go. And for anyone wanting life insurance with no medical exam and no waiting period.

Sagicor offers three rate classes:

  • preferred,
  • standard, and
  • table rated.

Many of our clients who do not want a medical exam due to time constraints or a fear of needles have been placed with Sagicor.

The face amounts on no medical exam term life insurance range from $25,000 no exam life insurance all the way up to $500,000 no exam life insurance.

The face amounts on the no medical exam universal life insurance also ranges from $25,000 to $500,000. Sagicor’s no medical exam term and universal life insurance rates are very competitive, often taking the top spot for simplified issue carriers.

Sagicor also excels in fast approval times. A typical application for the simplified issue no exam term or no exam universal life insurance policy can usually be completed in less than 30 minutes, and that’s including your wait time for approval! Further, the Company offers great no exam term life insurance for diabetics.

Sample Sagicor No Medical Exam Life Insurance Quotes

All sample quotes are based on a preferred male applying for 250,000 10 year term no medical exam coverage as of February 2017. Rates are for informational purposes only and are subject to change.

Rate Class Preferred Standard
Age 25 18.18 22.21
Age 30 20.02 25.75
Age 35 21.86 29.30
Age 40 27.64 40.35
Age 45 38.60 57.92
Age 50 53.35 78.31
Age 55 83.67 117.24
Age 60 138.04 174.36

For more, see our Sagicor Life Insurance review.

SBLI

sbli-logo

Savings Bank Life Insurance is making considerable inroads with its new accelerated underwriting product. The company’s new product, Guaranteed Level Premium Term, is on the cutting edge of innovation in the world of life insurance.

Product features:

  • Telemed interview
  • Term lengths available: 10, 15, 20, 25 and 30
  • Available for ages 18-60
  • Face amounts available: $100,000 – $500,000
  • Currently available in all states except NY and MT

For more, please see our SBLI Life Insurance Review.

Transamerica

transamerica-logo

Founded in 1928, for the purpose of serving the small business and farming community, Transamerica has gone on to become one of the premier life insurance companies in the country today.

With an outstanding A+ rating from A.M. Best Company, and practically zero overall consumer complaints, its no wonder that Transamerica continually ranks as one of the number one insurance companies for customer satisfaction.

For this reason and this reason alone, when given an option, Transamerica life insurance should always be at the top of anyone’s list when considering which insurance company to go with.

Another great reason to choose Transamerica is due to the company’s living benefits life insurance option. You can get life insurance with no medical exam coverage up to $249,999 with a critical illness rider, chronic illness rider, terminal illness rider and disability rider.

Finally, Transamerica also provides some of the best life insurance for seniors in the market.

Sample Transamerica No Medical Exam Life Insurance Quotes

All quotes are based on a 50 year old male at a standard rate as of February 2017. Rates are for comparison purposes and do not reflect what your rate may or may not be.

Face Amount 10 Year 15 Year 20 Year 25 Year 30 Year
$25,000 $11 $12 $14 $18 $21
$50,000 $20 $22 $26 $34 $40
$100,000 $26 $31 $36 $58 $63

For more, see our Transamerica Life Insurance Company review.

And there you have it, TermLife2Go’s

Top Ten No Exam Life Insurance Companies 

(According to TermLife2Go as of February 2017)

We list the date above because we offer dozens of different top rated life insurance companies to choose from. We’re constantly reviewing pricing and underwriting guideline changes so that we’re sure to stay on top of any advances within the industry. Today’s top no exam life insurance companies are not necessarily going to be the same down the road.

Because of new innovation, it is important for you, the consumer, to choose a life insurance agency that is not bound to any one life insurance company and whose sole purpose is to find you and your family the coverage you deserve, an agency such as TermLife2Go.

About TermLife2Go

TermLife2go is an agency that works with dozens of top rated companies. Our #1 priority is to find you the best company at the best price…for you! That means we tailor a policy specifically to you because no two clients are alike.

We have the knowledge and experience to help you find the lowest whole and term life insurance rates for both exam and life insurance no exam. Let us leverage our expertise for you and see if we can’t save you thousands of dollars on life insurance.

We do not favor one life insurance company over another. Instead, we find out what you need and then we recommend the lowest priced, best no medical exam life insurance company that we know of to meet your specific need. Therefore, if price matters to you, give us a chance to earn your business. We are here to serve you! Call today.

Thank you for reading our article, Top 10 Best No Medical Exam Life Insurance Companies. Please leave any comments or questions below.

60 comments… add one
  • Monica K

    I am looking for benefits for life insurance coverage for my husband he is 57 this year. He had a health scare last year a unexplained siezure episode, all test came back negative, no reason. Under physicians care on anti siezure meds as preventative. Back to work all is good, but on the proactive side, I am looking for life insurance in case the unexpected happens.
    Recommendations for insurance?

    • Monica,

      We would be happy to try to try and help you and your husband out, just give us a call when you have a chance and we’ll see what we can do for you.

      Thanks,

      TermLife2Go

  • Cc

    I have a 50yr old male friend that has cancer can he get life insurance and how much.

  • 55 year old male. MI occured in 2006, very healthy and stable since. Stent installed in 2006. 6″5″, 225 lbs. Non smoker. Father died of heart failure at 48. Mother of cancer at 55. Both smoked. I have regular blood work checks (2X/year) and cardio checks, stress tests, e.t.c. bi-yearly. Exercise regularly. Looking for 250-300 K coverage for 15 years. No bungee jumping or sky diving :). Health has been excellent since 2006 MI.

    • Joe,

      Please be on the lookout for an email from one of our agents who has been assigned to assist you in your search.

      Thanks,

      TermLife2Go.

  • Jeffrey H

    Need a quote. Email only Thanks!

    • Jeffrey,

      That’s great, but we don’t know a thing about your or how much coverage your looking for, and without at least the very basics, we simply wouldn’t know where to start.

      Thanks,

      TermLife2Go.

  • Danita

    I am 39 years old with high blood pressure and my mom is 71 years old and she is on dialysis. Would we be eligible to get life insurance.

    • Danita,

      That really isn’t enough information for us to be able to answer the question truthfully. You’re best bet would be to just give us a call and we’d be happy to explore all of your options with you then.

      Thanks,

      TermLife2Go.

  • Monique

    So I’m looking for “no exam” coverage at $300,000 for 20 years. I am 54 right now. I quit smoking but only in the last six months. I have no other medical health problems. (no blood pressure, cholestoral, diabetes, cancers, etc, etc. no family history of parents who have died of any of these things, and my mother is 84.) Am small or right sized shall we say at 5’4″ and 128 pounds. I am taking two medicines for anxiety – Lamictal 200mg 1x a day, and Clonazapam 1mg 1x a day.) What do you think the rate would be? Is it the “preferred tobacco” rate I ran online? Or something better due to my overall good health? Thanks very much for your response. (PS How’s that for a lot of specific information.)

    • Monique,

      Any tobacco rate will generally be 2 to 3 times higher than a non tobacco rate of the same “rate class”. The problem that you’ll currently run into is that you need to be 100% tobacco free for 12 months before you can qualify for a “non-tobacco” rate.

      So, for the purposes of comparing rates, we would suggest that you compare standard tobacco vs standard or standard plus non-tobacco with the understanding that these rates will only be available once you are 12 months tobacco free.

      We suggest looking at standard and standard plus rates simply because qualifying for a preferred rate can be difficult immediately after quitting smoking and being on two medications that treat for anxiety will only exacerbate this dilemma. Now you certainly may qualify for a preferred rate, but without knowing more, we wouldn’t want to “over promise” anything without knowing a bit more about your situation.

      Thanks,

      TermLife2Go.

  • Judy Simmons

    My fiancé has type 2 diabetis and congentinal heart failure would he qualify for life insurance….

    • Hi Judy,

      We will need some additional info. For the sake of privacy, please give us a call or respond to the email we sent over.

      Thank you,
      TermLife2Go

  • I’m looking to get life insurance on my sister and my mom. Both are unemployed at the moment. My sister who is 25 has some unpaid bills, a couple of kids that are not in her custody at this time, and child support that she is responsible for. My mom is loving on SSI and both I don’t believe can afford or have thought about getting Life insurance. Is it possible to not require any medical exam or medical questions? Thank you.

    • Erin,

      It’s certainly possible for both your mother and sister to qualify for a No Medical Exam life insurance policy, but we would first need to know how much coverage you are looking for as well as ask them some questions about their health in order to see if they would qualify.

      For these reasons, why don’t you just give us a call when you have a chance and we’ll do our best to help you out.

      Thanks,

      TermLife2Go.

  • Tim V.

    Id like a qoute please and info sent to my adress XYZ ohio 44691 thank you

    • Tim,

      As you can imagine, there are a ton of factors that will come into play when determining what type of quote you can qualify for. For example, how old are you? And how much insurance are you looking for?

      For this reason, we’ll need to ask you to give us a call so that we can learn more about you before we can mail anything out to your home.

      Thanks,

      TermLife2Go.

  • Pat C

    · How much coverage do you want? 3 million
    · How long do you need coverage (10, 15, 20, 30 years, or lifetime)? I would like the longest term I can get.
    · What is your height/weight? 6 feet 200 pounds
    · Have you used any tobacco in the past 5 years? No
    · Are you taking any prescription medications? Yes, insulin and a blood thinner.
    · Have you had any major health history like heart problems, cancer, stroke, diabetes, etc? I have diabetes and I have to take a blood thinner to prevent possible pulmonary embolism.
    · Any family history of heart disease, cancer, or stroke in your parents or siblings prior to age 60? No, none.
    · Do you have any DUI’s, or multiple driving violations in the past 3 years? No.
    · Do you have any foreign travel planned outside of North America in the next 2 years? No.
    · Do you have any felony convictions, or open bankruptcies? No.

    You understand that I will be 80 years of age in March of next year. Please let me know and I look forward to hearing from you.

    What does it mean 10 year guaranteed term? Is there a ten-year policy term I can get where I can get a guarantee I can renew it in 10 years?

    • Pat,

      While we appreciate you taking the time and writing us back with the answers to these questions, because you’re asking for such a large amount of life insurance coverage, and you’re 79 years of age, we’ll really need to learn more about you before we would be able to accurately quote any type of life insurance policy for you.

      For this reason, why don’t you just give us a call when you have a chance and we’ll do our very best to help you out.

      Thanks,

      TermLife2Go.

  • Which companies cover you for full amount immediately

    • Carla,

      Most if not all life insurance companies that require you to answer medical questions and/or take a medical exam will provide full coverage once you’ve been approved.

      Now there are products known as “guaranteed issue” life insurance products that won’t ask any medical questions or require a medical exam, however, these types of life insurance products will not cover “natural” causes of death for a certain period of time (typically 2-3 years) once the policy goes into force.

      For more information, just give us a call and we’d be happy to see what types of life insurance policies you can qualify for.

      Thanks,

      TermLife2Go.

  • Calvin and Willameana

    Good day! I have been searching for the appropriate whole life insurance for my husband and I that does not require any medical exams. My husband, who is 50+ does not have any known medical conditions. However, I am 44 and have been diagnosed with Osteoarthritis and have had three major surgeries. I have had back surgery and two total hip replacements. What type of life insurance can be offered unto us that will not burn our pockets. He is the only one working and I am receiving SSA. Please help!

    • Calvin and Willameana,

      While we would love to give you an idea on what a qualify life insurance policy might run you, without knowing some of the basics such as:

      – How much coverage are you looking for?
      – What is your current height and weight?
      – What is your exact age?
      – Etc, etc…

      It would irresponsible for us to venture a guess.

      This is why we would recommend that you simply give us a call when you have an opportunity and we’ll be happy to go over all of your options with you.

      Thanks,
      TermLife2Go.

  • I am 81+1/2 and my husband just turned 84. So many life insurance Co’s. advertise they have coverage to age 85, but when I entered our respective information, the message came up: “no coverage available based on your information.” Does that mean there is NO coverage for people past the age of 80?

  • My husband is 67 years old with only High Blood Pressure. He takes 2 Blood Pressure meds. per day. I need to get him life insurance, that will remain for at least 15 or more years. His mother is still living ay 97 years old walking and cooking, and his father died at 83. So his expectancy of life looks pretty long.

    • Brenda,

      From what you’ve told us thus far, it doesn’t sound like he’ll have an issue qualifying for life insurance, we would of course would need to learn more.

      Why don’t you just give us a call so that we can get a better idea about what rates he’ll be able to qualify for so that way you’ll have a better idea about what the insurance may cost.

      Thanks,

      TermLife2Go.

  • I am looking for a 10 Year $100,000 life insurance

    • Don,

      Sounds good, just give us a call and we’ll see what you can qualify for.

      Thanks,

      TermLife2Go.

  • Lori Kolczynski

    A friend of mine has a 12 year old son. She would like to buy life insurance on the father of her son. She wants to use the funds for the benefit of her son should something happen to his father. Can she be the owner of the policy and the beneficiary without the father having a physical exam? He is 36 years old with no know problems.

    • Lori,

      It sounds like your friend has all the reasons in the world to want to get life insurance in place on the father of her child, and the good news is there will probably be many options to choose from that will allow your friend to be the “owner” of the policy and not require him to have to take a medical exam!

      Your best bet would be to simply have your friend give us a call when she has an opportunity so that we can go over some of the numbers and see if it’s something that she wishes to pursue further.

      Thanks,

      TermLife2Go.

  • Jessica Parke

    Interested in life insurance

    • Jessica,

      That’s great, just give us a call during normal business hours or simply request a quote and we’ll have an agent reach out to you as soon as possible.

      Thanks,

      TermLife2Go.

  • John Quiroz

    What if I buy a guaranteed acceptance policy while I have COPD, congestive heart failure, and kidney failure and end up dying from one of those conditions three years into my policy, would my family still get my full face value of the policy, or would they just have their premiums refunded+interest?

    • John,
      Provided that you purchase a policy that only has a 2 year graded death benefit, once that graded death benefit has expired (AKA 2 years and 1 minute), your guaranteed issue life insurance policy will pay out for the full face amount of your policy regardless of how you should die (exceptions for suicide may still apply).

      Prior to actually purchasing your guaranteed issue life insurance policy, we’ll be glad to show you where “within” the policy that this is clearly stated.

      Thanks,

      TermLife2Go

  • david lewis rockwell

    need life insurance for my mother

    • Sounds good, just give us a call and we’ll do our best to help you out!

      Thanks,

      TermLife2Go.

  • Dane LaVigne

    I love to read articles like this to help me better understand how to help my own clients. Great stuff. Thank you.

  • Richard Matrazzo

    What the diferences in Health Class amount Regular/Regular Plus. Since found out in Nov of 2015 that I had Type 2 diabetes my weight when from 237 to 278. My A1C went from 8.2 to 6.5 I’m doing it without taking any medication. All other readings from my blood test are in the good range. What Health Class would I put considered. Thanks

    • Congrats on the weight loss and controlled A1C, that’s fantastic! It should also make getting life insurance a lot easier for you.

      Now in regards to the difference in what a Regular/Regular Plus rate class is, they are basically just categories that the insurance company will use to determine what price your insurance will be.

      That being said, there are lots of reasons why someone may qualify for a Regular or Standard rate vs someone who may qualify for a Regular Plus or Standard Plus, which one you will qualify for will depend on a lot of factors (age, height and weight, pre-exiting medical conditions, prescription medication history, family medical history, etc, etc…).

      Additionally, since it sounds like you have been diagnosed with diabetes in the past, and may have even been prescribed medications for treating your blood sugar levels, most insurance companies will generally still consider you a “diabetic”.

      This is why we would generally recommend that you narrow down your search options to those life insurance companies that tend to offer current or “previous” diabetic’s the best rates.

      So…

      Why don’t you just give us a call when you have a chance and we’ll do the best that we can to help you out.

      You might also want to take a look at the follow articles as well:

      http://termlife2go.com/how-do-companies-determine-life-insurance-health-rate-categories/
      http://termlife2go.com/best-life-insurance-companies-in-the-united-states/

      Thanks,

      TermLife2Go

  • P.Weil

    My husband is 62yrs old. He has COPD and is currently taking medication to remain smoking free. He had stints into each leg and just received on in carotid artery. Can he still get life insurance? We are needing something to cover our mortgage should something happen in the next 20-30 years. Thank you

    • P.Weil,

      From what you’ve described, it sounds like a guaranteed issue product might be your best bet. Just give us a call and we’ll happily go over all of your options.

      Thanks,

      TermLife2Go.

  • Kayla pyles

    Quote

  • William Seely

    I had a stint put in over 5 yrs ago and do take a heart Medan blood pressure pill. However I’ve not had any problems or stopped working. I’m still employed as a river boat captain and have a yearly physical for the coast guard and have passed everyone. I’m having trouble getting 100,000 insurance policy on me. I have it through my job but am wanting additional so my live in girlfriend will be ok if something happens to me. Can you help please

    • William,

      It sounds like you should be eligible, but without learning more we simply wouldn’t be able to say. Why don’t you give us a call and we’ll see what we can do.

      Thanks,

      TermLife2Go.

  • If my fiancee has had a few health issues and he is 34 and he is worried about what would happen to me and who would take care of me if something happens to him and he doesn’t want to deal with the medical exams and just want to make sure I am not stuck with a bunch of bills and enough to get back on my feet. He has made the mistake of contacting a few componys and been rejected for taking pain meds for his issues. So what is it that he can do?

    • Regi,

      Give us a call, and we’d be happy to review your fiancee’s situation and see if we can help him out. If possible, please have a list of the companies that you’ve already spoken along with a list of the medications that he has been prescribed so that we can narrow down his options as quickly as possible.

      Thanks,

      TermLife2Go.

  • Rob

    I’m really happy that I found this site, I lost my job 10/15 and lost my insurance . Due to my TBI I did not have the ability to carry over my life insurance for my wife and I. Now I have been beating myself up trying to find us coverage with no medical exam. I’ll be making a call ASAP.
    Thanks

    • Rob,

      We’re sorry to hear about your injury and subsequent job loss, but do give us a call when you have a chance, we’d be happy to do everything in our power to try to help you find the life insurance coverage you need.

      Thanks,

      TermLife2Go.

  • Mickie

    Very informative as to options available. Good foundation information.

  • paty

    My mother has cancer. Can I still get life insurance? we want to be ready for her funeral expenses.

    • Patty,

      As long as your insurance needs are limited to $25,000 or less, we here at TermLife2Go should be able to find several different insurance companies that will be willing to extend coverage to her (provided that she is over the age of 50).

      Just give us a call and we’ll be happy to discuss your options.

      Thanks,

      TermLife2Go.

  • Craig White

    Can I get life insurance for my girlfriend she had a stroke and how much coverage can I get too. Like 500,000 face value.

    • Craig,

      There are many different types of life insurance products that your girlfriend could potentially qualify for. Some may require a medical exam while others may simply require that she meets some minimum age requirements. Whether or not any of these policies will meet your needs will ultimately be determined by what you are hoping to achieve by buying life insurance.
      Are you looking to:
      – Protect a mortgage?
      – Replace lost income?
      – Or simply take care of one’s own final expenses?
      The answer to this question as well as a host of others questions regarding your age, height, weight, current health status as well as any previous medical conditions will ultimately determine eligibility.
      For this reason, it’s impossible to you give you a simple “Yes” or “No” answer to the question that you’re asking which is why we strongly recommend that you give us a call first thing Monday morning at so that we may review all of your life insurance options with you.

      Thanks,

      TermLife2Go.

  • Tangella

    I was told by a Transamerica agent that they will not provide coverage for a person with autism. Is this true?

    • Tangella,

      If Transamerica told you that they won’t insure the person you’re looking for who has autism, then its probably true. With that in mind, it’s important to know that when it comes to finding life insurance coverage for someone who has autism, its generally going to come down to:

      “What type of life insurance coverage your looking for?” and “How old is the person seeking life insurance coverage?”

      For difficult life insurance cases like those for people who have been diagnosed with autism, we generally recommend that you just give us a call so that we can get a complete picture before making any recommendations.

      Thanks,
      TermLife2Go

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