No Exam Life Insurance
No Exam Life Insurance Information
At termcomparison.com, we offer a variety of no exam life insurance policies. For you this means no medical exams, no blood tests, and no urine samples.
We don't have our instant online quote system set up, but you can email us to get a quote. A no exam life insurance rate is always going to be higher than one where you do an exam, so be prepared to pay what would be comparable to a standard non smoker or standard smoker rate. When you apply for a no exam life policy, you are going to be underwritten/analyzed with other applicants not taking an exam. Since the insurance company is looking at a pool of applicants and not able to look at blood and urine samples, you are going to pay more. We recommend this route only for customers that don't want to take an exam/or don't think they are going to qualify for the lowest rates anyway.
Death benefits start at $5000 and when applying for no exam life there are still going to be a few medical questions. If you have a serious medical condition you could pay more or be declined. If you are declined and have also done an exam somewhere and have been declined, you can still apply for a guaranteed death benefit life policy. See our section on guaranteed life insurance.
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