No Exam
Life Insurance

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No Exam Life Insurance

Life Insurance Policies
With a Medical Exam & Without a Medical Exam


Term Life Insurance with No Medical Exam

No medical life insurance compared to other policies is more expensive and also it offers less option in comparison with full overages. Some of the options include the ability that you can increase the death benefits or else convert to permanent coverage the term policy.


Term Life Insurance with No Medical Exam
Term Life Insurance with a Medical Exam

Term Life Insurance with a Medical Exam

In order to qualify for life insurance you will have to go through a health underwriting process.

You may however qualify for life insurance with no medical exam through some of the companies we offer.

There are a few different ways that companies will underwrite you on a non medical basis. We will discuss three of these here, non medical underwriting, accelerated underwriting, and guaranteed acceptance.

While a medical exam isn’t usually something to be concerned about, please be aware that it can reveal a health condition you didn’t know about.

Most term life insurance carriers require a medical exam only if it seems warranted after asking health and life style questions.

For example:
– If they find out that you are a smoker
– Had a serious illness
– You want a high coverage amount

To learn more about term life insurance and the application process, contact Gold Cost Life Insurance today. Our advisors can help you decide if a medical exam makes sense for you or not

a medical exam isnt usually something to be concerned about
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When purchasing life insurance, we always want to choose the coverage amount that will be most useful to our family and loved ones in the future. When we wish to begin the application process for any type of life insurance, however, there are various factors to consider.

At My Term Life Guy, we assist each individual or family in determining the best plan for their needs. We understand that, in many circumstances, a person’s health status might be a barrier to getting traditional life insurance at a reasonable price. In order to receive a plan that offers good coverage, most life insurance companies require a medical exam. The truth is that undergoing a physical exam may be counterproductive if you are looking for a cost-effective plan with enough coverage in the future.

Even if one’s current health is strong, one’s lifestyle or previous illnesses can have an impact on future final expense insurance. If you are not a regular exerciser, a smoker, or have had a significant illness, it is conceivable that the life insurance company may not offer you the plan that you desire. If you also try to hire a policy that offers a lot of coverage while also not having a good medical history, the cost may end up being too high.

Although obtaining life insurance without a physical exam can be pricey, at My Term Life Guy, we will do everything we can to find the best insurer offer for you. The best part about working with us is that we will strive to put ourselves in your place in order to propose the best solution for you, whether it is term life insurance or guaranteed issue life insurance. Furthermore, you will not be required to pay anything to begin the application process, allowing you to compare quotes from several types of life insurance to determine which one is best for you.

You can obtain a quotation by filling out our online form. Please do not hesitate to contact one of our insurance agents if you have any questions!