How to Get Free Life Insurance No Medical Exam Quotes Online In the USA

Don’t let the hassle of having to write a medical exam prevent you from getting a life insurance policy.

Today, I am going to show you exactly How to Get Free Life Insurance No Medical Exam Quotes Online In the USA.

After the guide, you would be able to compare life insurance companies and quotes online that don’t require you to have a medical exam.

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You can also get $25,000 – $1,000,000 in coverage If you’re 18-65 with no major medical problems.

Let’s get right in…

Having coverage (e.g car insurance) to protect your family in the event that something unexpected happens is important.

But many Americans who want life insurance are afraid of getting denied because most life insurance policies, like term life insurance, require a medical exam.

Some life insurance companies in the USA require you to undergo a physical before they will consider your application for coverage.

This medical exam helps the insurance company accurately assess risk and set your premium.

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However, If you have a serious medical condition, life insurance could be off-limits to you. Well, it’s not. Not even close.

Your current health and physical condition shouldn’t get in your way of getting free term life insurance quotes online.

it’s possible to get cheap life insurance without medical exam whether you are in perfect health or not.

Over the recent years, no medical exam policies have evolved tremendously.

Insurance companies in the USA offer no medical exam life insurance coverage.

There are various no exam options available to you to provide financial support for your surviving family members, often with a minimal price difference.

Types of Life Insurance No Medical Exam Quotes

Traditional term life insurance has advantages that cheap life insurance without a medical exam does not.

The best no-medical-examination life insurance companies are trustworthy. Depending on the policy, you may be accepted regardless of your health.

Your no-exam term life insurance policy could be in place in a matter of weeks after you submit your application.

Suggested: Which of the Following Best Describes Term Life Insurance? Detailed Explanation

If you are looking for free term life insurance quotes online but don’t want to take a medical exam, here are the types of no medical exam insurance quotes you can get;

  1. Simplified issue
  2. Guaranteed approval.

For you and your family, a no-exam life insurance policy, such as a Simplified issue or Guaranteed issue, may be the best alternative.

Other life insurance policies require only a few questions to be answered.

Policies with “guaranteed approval” allow you to acquire life insurance coverage if you are between the ages of 50 and 80.

In most circumstances, simplified issue plans, such as Term Life Insurance or Whole Life Insurance Plans, do not require a medical exam.

You can also receive life insurance without a medical exam upto $1 million based on a variety of circumstances, including your chosen business.

Companies to Get Free Life Insurance No Medical Exam Quotes Online In the USA

Looking for the best free life insurance quotes online that have good financial ratings and a lot of positive feedback? The following are the best life insurance companies in the United States.

They also provide immediate coverage with no long waiting periods, online estimates, and friendly customer service representatives, whilst others demand you to answer a few health questions in order to be considered for coverage.

Credits: Pixabay

Making it easier to get cheap life insurance without medical exam.

If you are interested in life insurance no medical exam quotes online with advantages. The best decision for your family is to compare rates to see what company is best for you.

Suggested: Whole Life Insurance Quote Online – 10 Best Companies with Free Quotes in the USA

Get started on finding the best life insurance no medical exam…

  1. Globe Life
  2. Haven Life
  3. AIG
  4. AARP
  5. Prudential Veterans’ Group Life Insurance
  6. Ethos
  7. State Farm
  8. USAA
  9. Colonial Penn
  10. Erie Insurance

Let’s expand on 5 random picks

Haven Life Insurance

Haven Life is a tech-savvy life insurance agency that specializes in term life insurance and was founded in 2015. MassMutual, a major insurance company, owns Haven Life.

Haven Life’s online-first strategy makes it an outstanding term life insurance alternative for consumers looking for speedy coverage.

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With Haven Life, You can apply for coverage entirely online.

You may be able to secure a medically underwritten policy in minutes, not weeks and receive a near-immediate decision, as long as you’re under the age of 45 and need less than $1 million in coverage.

Haven Life makes sense, you can purchase a Haven Life term life insurance policy on top of the life insurance coverage you already have.

Haven Life accepts clients with several common pre-existing chronic diseases, such as diabetes.

If you have a life insurance coverage through your company, you don’t have to give it up.

Haven Life provides life insurance quotes that do not require a medical exam, i.e. policies that can be purchased without one.

You’ll get the same level of coverage as if you bought it from a traditional insurance agent. Most no-exam life insurance policies have much higher rates than these.

PolicyHaven Simple
Issue age20 – 55.
Coverage$25,000 – $500,000.
MedicalNo exam

AARP Life Insurance

The AARP Life Insurance Program features a selection of policies issued by New York Life Insurance Company AARP’s life insurance program through New York Life offers coverage to seniors.

If you are looking for senior life insurance or need life insurance for parents, that have pre-existing medical conditions we provide life insurance no medical exam quotes AARP’s insurance policies.  

AARP is a large organization with over 38 million members aged 50 and up that was founded in 1958. For members between the ages of 50 and 74, the AARP offers term life insurance.

You must be a current AARP member to be eligible for the AARP life insurance policy. AARP Services Inc., a taxable subsidiary of the charity, makes money through insurance and other goods it promotes.

Death benefits, on the other hand, are capped at $50,000.

AARP membership costs between $12 to $16 per year. If you get an AARP life insurance quote, the policy is being underwritten by New York Life.

The AARP program features permanent and term life insurance with simplified underwriting and you do not have to undergo a medical exam to qualify for coverage.

PoliciesGuaranteed Acceptance Life Insurance, Level Benefit Term Life Insurance
Issue age50 – 80, 50 – 74
CoverageUp to $25,000, $10,000 – $100,000.
MedicalNo exam, No exam

USAA Life Insurance

Are you looking for the most economical life insurance coverage and have USAA Insurance on your mind?

The United Services Automobile Association (USAA) offers life insurance through the USAA Life Insurance Company, which was founded in 1922.

USAA Insurance is one of the country’s largest and most reputable insurance businesses. USAA life insurance is a military insurance company owned by its members and offered only to military service personnel and their families.

Term, whole, and universal life insurance plans are available. If you or your spouse is a current or former member of the military, you may get USAA term life insurance for as little as $12 per month.

Term insurance is available for 10, 15, 20, 25, or 30 years. USAA offers term, whole, and universal life insurance to meet the unique needs of that demographic.

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During the war, military personnel can obtain coverage. USAA offers whole and universal life insurance policies, as well as term and permanent life insurance.

Military-related benefits, such as protection for those preparing for deployment or in active service, are included in its policies.

A.M. Best has given them an A++ financial rating. USAA offers low rates on flexible life insurance plans tailored to the needs of service personnel and their families.

A $10 million life insurance policy is the maximum amount of coverage available.

PolicyGuaranteed Whole Life Insurance
Issue age45 – 85.
Coverage$2,000 – $25,000.
MedicalNo exam.

Erie Insurance

Consider Erie Insurance if you’re looking for low-cost life insurance that doesn’t need a medical exam.

Erie Family Life Insurance Company, which has been in business since 1925, provides group and individual whole, term, and universal life insurance products in the United States.

Erie Insurance has a year-over-year client retention percentage of over 90%. Erie Insurance is one of America’s largest and most reputable insurance businesses.

You can get coverage for up to $10 million.

Erie Insurance is only available in 12 states, including Washington, D.C., limiting its geographic reach.

old hands
Credits: Pixabay

The insurer is a fantastic alternative for high-income families that wish to give their beneficiaries with long-term financial security.

A.M. Best has given them an A financial rating.

If you reside in one of the states where Erie provides insurance, you may get coverage ranging from $10,000 to $500,000 with a quick application that doesn’t need a medical exam.

PolicyERIExpress Life
Issue age18 – 55.
Coverage$10,000 – $500,000.
MedicalNo exam

Ethos Life Insurance

Looking for a simple way to purchase life insurance no medical exam quotes? Ethos provides an online purchasing experience for life insurance policies.

Ethos is an insurance provider that was founded in 2016 to make life insurance more accessible and affordable with an easy online quote process.

Ethos has developed an online platform that allows selling term and whole life coverage that can be applied for entirely through its website and possibly get instant approval.

Ethos Life is a company that can be added to the list of growing online life insurance brokers. Ethos partners with Banner Life – Legal & General America and others to provide insurance. 

Consumer ratings are generally positive regarding Ethos due to the quick application and approval process.

Rather than lengthy application processes and long waiting periods.

For 10 to 30-year term insurance, those aged 20 to 65 can acquire up to $1.5 million in coverage, while those aged 65 to 85 can get up to $25,000 in coverage.

You can obtain a quotation in minutes with Ethos Life. A medical exam is not required for policies with a death payout of less than $1 million.

PolicySimplified Issue Term Life
Issue age20 – 70.
CoverageUp to $500,000.
MedicalNo exam

How to Get Free Life Insurance No Medical Exam Quotes Online In the USA

Many people who seek life insurance are apprehensive about taking medical tests.

You are not required to write any exams with no medical exam insurance quotes, which is a benefit that regular term life insurance does not provide.

The greatest no-medical-examination life insurance companies are trustworthy.

The first step in comparing life insurance quotes is to cut down your options. It is possible to obtain life insurance regardless of your condition.

Your no-exam term life insurance policy might be put in place in as little as a few days.

Get your required details such as your address and age

These pieces of information are vital to getting your life insurance. Therefore make them available before submitting any application.

Compare the best life insurance company

In the United States and around the World, there are several life insurance firms. Above, we’ve compared a few of the greatest. Choose the one that best suits your needs.

Make your quote online on their website

Creating a quote is as easy as submitting a form on the insurance company’s website.

Approval is instant and sometimes takes a few days

After submitting an application for an insurance policy, it usually takes a few days. So wait for a little while.

For a purely simple online process, Ethos is a smooth and fast option while for servicemen the USAA provides cheaper life insurance policies.

That’s all for “How to Get Free Life Insurance No Medical Exam Quotes Online In the USA”

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