Instant Life InsuranceWithout Taking A Medical Exam? A medical exam is usually required in order to get approved for a life insurance policy. But, it is possible to get term life insurance without taking a medical exam. There are advantages and disadvantages to both types of life insurance policies. The advantage of taking a medical examination is that it may save you some money on your life insurance policy. If you take a medical exam, the insurance company can choose the best health class for your policy. So you get the lowest rates that apply to your actual health. Term Life Insurance with No Medical Exam required is the easiest, most convenient policy for most consumers. There's just some health questions. But, these policies may cost more because of the higher risk shared by all policies holders. The life insurance company develops the rates based on an average risk, since without a medical exam they don't know the exact health of all insureds. You may qualify for $25,000-$500,000 of Term Life Insurance with No Medical Exam. You can apply online and get approved in minutes (if qualified). Recommended - Net Coverage |