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Most people expect there to be a medical exam in order to qualify for life insurance. But there is life insurance that doesn't require an exam. Actually, it would be more accurate to call it term life insurance no medical exam because it is a term life insurance type of policy in that you can choose the term. However, the benefit amount is generally limited to a lower amount because the premiums are higher for this life insurance. So higher benefit amounts would make the premiums more than what most people would want to pay, even for no medical exam term life insurance.

This no medical exam term life insurance is generally known as guaranteed issue or simplified life insurance. And because it is life insurance with no medical exam, it is an excellent alternative for people who have some health problems or who may be older and wouldn't qualify for regular term life insurance. With this type of insurance, there is no need to set up an appointment with a medical examiner, provide a blood or urine sample, or set up any doctor visits to confirm your health status. By applying for a no medical exam life insurance policy all you have to do is answer some medical questions. Additionally, all benefits are 100% tax-free and you have a thirty-day period in which you can change your mind. If this occurs, you will receive a full refund on any monies paid toward a policy.
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