Saturday, January 15, 2022

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

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Okosun Johnhttps://jokoshq.com
A B.Eng. holding mechanical engineer with love for content creation and web development.

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. 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

Cheap life insurance without medical exam has advantages that traditional term life does not offer. The best no medical exam life insurance providers are reputable. Some of these policies guarantee acceptance regardless of your health. Your no-exam term life insurance policy could be implemented within weeks of application.

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.

A no-exam life insurance policy, like a simplified issue or guaranteed issue, maybe just the option for you and your family. Other life insurance policies only require a few questions. 

As long as an applicant is between 50 and 80 years old, policies with “guaranteed approval” allow you to secure life insurance coverage. Simplified issue policies which could be Term Life Insurance or Whole Life Insurance Plans do not require a medical exam in most cases. Also, depending on various factors, including your selected company, you can get life insurance without a medical exam up to $1 million.

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

Looking for the best free life insurance quotes online with strong financial ratings as well as overall positive reviews? Here are highly-rated life insurers in the U.S. They also offer instant coverage with no long waiting periods, online quotes, and helpful customer service agents while others require you to answer a few health questions to qualify for coverage.

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.

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 was founded in 2015 and offers term life insurance only. Haven Life is owned by MassMutual, a major insurance company. Haven Life’s online-first approach makes it an excellent term life insurance option for customers who want to purchase life insurance quickly.

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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 customers with some common pre-existing chronic conditions, such as diabetes. If you have a life insurance policy through your employer, you don’t have to give it up.

Haven Life offers life insurance no medical exam quotes i.e policies you can get without a medical exam. You’ll get the same quality of the coverage you would buy through a normal agent. Rates are much lower than you’d receive with most no-exam life insurance policies.

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 that started in 1958, with over 38 million members ages 50 and over. The AARP offers term life insurance coverage for members between the ages of 50 to 74. To qualify for the AARP life insurance program, you must also be an active member. The nonprofit has a taxable subsidiary, AARP Services Inc., which earns money on sales of insurance and other products it endorses. However, death benefits are limited to less than $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

Shopping for the best affordable life insurance policies and considering USAA Insurance? Founded in 1922, the United Services Automobile Association (USAA) offers life insurance through the USAA Life Insurance Company. USAA Insurance is one of the biggest and best insurance companies in the United States. USAA life insurance is a member-owned military insurance company available exclusively to military service members and their families.

They offer term, whole, and universal life insurance policies. If you or your spouse is an active or retired military member, you can purchase USAA term life insurance with starting rates as low as $12 per month. You can choose 10, 15, 20, 25, or 30 years for term insurance. USAA has plans that cater to that audience’s specific needs, including term, whole, and universal life policies.

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Military members can get coverage during the war. USAA offers both term and permanent life insurance policies, including whole and universal coverage options. Its policies include military-related benefits, including protection for those preparing for deployment or in active service. Their current financial ratings are A++ with A.M. Best. For military members and families, USAA offers competitive rates on flexible life insurance policies designed for your needs. Maximum coverage is a $10 Million life insurance policy.

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

Erie Insurance

Shopping for cheap life insurance without medical exam and considering Erie Insurance?  Available in the USA, Erie Family Life Insurance Company in operation since 1925, sells group and individual whole, term, and universal life policies. Erie Insurance boasts a customer retention rate of above 90% year over year. Erie Insurance is one of the biggest and best insurance companies in the United States.

You can purchase up to $10 million in coverage. Erie Insurance is only offered in 12 states, plus Washington DC, so its geographic reach is limited.  The insurer is a good choice for high-income families who want to provide long-lasting financial protection to their beneficiaries. Their current financial ratings are A with A.M. Best.

If you live in one of the states where Erie sells insurance, Coverage between $10,000 and $500,000 can be made with a fast application that doesn’t require 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.

People between the ages of 20 and 65 can get up to $1.5 million in coverage for 10 to 30-year term policies while those aged 65 to 85 can get up to $25,000 in coverage. With Ethos Life, you can get a quote in minutes. Policies with a death benefit of less than $1 million will not require a medical exam.

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 Americans who want life insurance are afraid to write medical exams. With no medical exam insurance quotes, you are not requested to write any exam which is one advantage it has that traditional term life does not offer. The best no medical exam life insurance providers are reputable. When comparing life insurance quotes, the first thing to do is narrow down your choices. It’s possible to get life insurance whether you are in perfect health or not. And, your no-exam term life insurance policy could be implemented within a couple of days.

Here are the simple steps to get Get Free Life Insurance (No Medical Exam) Quotes Online In the USA

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

There are a lot of life insurance companies in the USA. We have compared some of the best above. Pick which suites you.

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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