Can I Get Life Insurance Without a Medical Exam? Can You Get Life Insurance Without a Medical Exam?

Can I Get Life Insurance Without a Medical Exam? Can You Get Life Insurance Without a Medical Exam?

Today, I am going to answer the question "can I get life insurance without a medical exam?" Let's have a look at the details.
Yes. Some companies offer life insurance that may not require you to take a medical exam in order to get coverage. These types of policies may be available if you're in good health in a certain age range or if you simply prefer to skip the exam altogether.
Most life insurance policies, like term life insurance, require a medical exam. This exam helps the insurance company accurately assess risk and set your premium. If you have a serious medical condition, you may worry life insurance is off-limits to you, but this may not be the case. There are two types of life insurance policies available without a medical exam. A no-exam life insurance policy, like a simplified issue or guaranteed issue, maybe just the option for you and your family. You may also be able to skip the exam entirely if you'd like. You could do this for personal reasons, such as having a riskier occupation like: a window washer, construction worker, racecar driver, being a smoker, managing a health condition, or even a fear of needles and doctors. But, choosing not to get a medical exam may not always be your best choice.
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