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Term Life Insurance Not Requiring A Physical

If you do not want to take an exam to get a life insurance policy because you don’t have time or because you are adverse to needles, then there’s good news for you. There are many companies that now offer term life insurance that does not require a physical.

If you are in general good health then you can purchase one of these policies from the comfort of your home just by answering a few health questions.

Pros of Non Med Term Life

• No medical exam; just answer a few health questions
• Issued quickly- sometimes instantly, if you qualify
• No agent will call you or visit you

Cons of Non Med Term Life

• Higher premiums than if you were to get a physical
• Coverage is available only up to $500,000
• No major health issues accepted

The premiums are higher because the life insurance company is taking on a higher risk by not checking your health completely. If you are in good health and you are getting life insurance for the first time, then it is advantageous to you to go through with the physical exam, because you’ll pay less for more insurance.

As far as health issues, a little bit of high blood pressure and cholesterol are typically fine (if you are taking less than one medication each to control the condition), but more serious pre-existing conditions are not accepted. If you have health issues like diabetes, heart disease, sleep apnea, cancer, or others, then you should go with a traditional life insurance policy. Just be sure to work with an experienced agent who can help you find the right company for you.

Application Process

If you don’t want to go through with a physical, you want a life insurance policy that is issued quickly, and you need less than $500,000, then this type of policy might be right for you. The process to get non medical exam life insurance is pretty simple.

1. Fill out the application and answer some Yes or No health questions
2. Compare the rates for the insurance amounts and term length that you want
3. Pay for your policy
4. Print your policy out- if you qualify

In some cases, your approval might be instant and, in other cases, it could take a few days. It’s still faster than a traditional life insurance policy, which can take 4 to 6 weeks to process.

Get a free no obligation quote today and compare multiple quotes from the nation's highest rated carriers.