No Medical Exam Life Insurance By Sproutt – Is It Right For You?


If you’re looking to buy life insurance, but are concerned about going through the physical medical exam, no medical exam life insurance by Sproutt might be right for you.

Before deciding whether this type of coverage would be helpful in your situation, it’s important to understand exactly what it means and how much it can save you in the long run.

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In this guide, we’ll explore how no medical exam life insurance works and how it can benefit you.

About Sproutt Life Insurance Company

Sproutt Life Insurance Company is an online life insurance provider that specializes in no medical exam life insurance.

While they’re a young company, they’ve been making a splash in both the business and consumer worlds with their unique approach to providing individual policies through independent agents (and digital distribution channels).

This can sometimes cause confusion, since traditional term life providers such as Securian and MetLife sell policies with no medical exam, too.

Sproutt isn’t trying to compete against them; instead, it’s focused on helping consumers who are ineligible for or have been declined by other carriers for health reasons.

Sproutt Insurance Headquarters

The headquarters for life insurance broker, Sproutt is located in Baltimore, Maryland. The company employs people from around the world to make sure that customers are satisfied with their service.

They specialize in no medical exam life insurance policies which are designed to help applicants qualify even if they don’t meet traditional underwriting standards.

With offices in 3 countries and 6 states across America, anyone can apply for coverage by contacting their main headquarters in Baltimore. So let’s take a look at these popular plans!

Is Sproutt Life Insurance Legit?

The answer to the question is YES.

There are many reasons why Sproutt Life Insurance is legit. One of them is that it has a very high rating on TrustPilot.com, which is a site where people can review and rate their insurance providers.

The company also has a team of experts who help you find the best life insurance for you and your family.

Sproutt Life Insurance Pros and Cons

We’ll take a look at some of our favorite Pros and Cons below. As you read through them, consider how they might fit into your current situation.

Pro: No medical exam life insurance by sproutt is often less expensive than traditional life insurance policies, meaning you’ll have more money to buy coverage and get started on your goals!

Con: The online process of buying a no medical exam life insurance by sproutt policy can be tedious.

While an online application might be quick and convenient, we’ve found that customer service and support fall flat compared to in-person help at traditional brick-and-mortar agencies.

Overall, we’d recommend no medical exam life insurance by sproutt for individuals who want a simple way to buy life insurance with little hassle.

Types of Life Insurance Offered by Sproutt

When it comes to life insurance, there are several different types of coverage, but in many cases, customers will opt for a term or whole life policies.

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Term life insurance is a type of policy that provides a lump sum of money after you pass away, whereas whole life provides a lifetime of coverage and a death benefit that’s usually greater than what term can offer.

Sproutt Life Insurance offers both and compares them on their site so customers can find out which works best for them.

Before deciding on one type or another it’s also important to consider other options such as purchasing additional riders or adding inflation protection to your plan.

This will help provide greater benefits if needed and maybe more cost-effective than purchasing extra coverage.

1) Term life insurance

A quick word on Term life insurance: term policies are cheap because they only cover you for a set number of years.

If your insurance policy ends before you die, your family won’t be left with an unpaid mortgage or other significant financial obligations.

However, if you live past your coverage period, you won’t receive any additional funds to help out with these expenses—so it’s important to decide how long you need to be insured.

2) Whole life insurance

When you purchase a whole life insurance policy, you’re actually purchasing a death benefit that grows tax-deferred.

As your cash value accumulates over time, interest is added to it and new money can be invested in more premium payments.

A Whole Life policy is a permanent type of insurance; as long as premiums are paid on time, there is no requirement for medical underwriting or any other type of exam to continue coverage.

3) Universal life insurance

Under a universal life insurance policy, premiums are used to fund a cash value account.

Cash values can be withdrawn for many purposes (e.g., debt consolidation), or used to purchase additional coverage such as supplemental life insurance and long-term care insurance.

Most universal life policies include an option for dividends, which are similar to interest payments on savings accounts.

4) Guaranteed life insurance

If you have health concerns or issues with your medical exam, guaranteed life insurance policies are an excellent choice.

Guaranteed life insurance helps you avoid completing a medical exam and allows you to apply for coverage online.

5) No-exam life insurance

When you purchase life insurance with a medical exam, it means that an insurance company will make its decision on whether or not to provide coverage based on your health and risk profile.

No-exam life insurance provides an alternative to a traditional policy by allowing customers to apply without undergoing an exam.

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There are pros and cons of both types of life insurance policies; whether or not no-exam coverage is right for you depends on your specific situation.

The Benefits of No Medical Exam Life Insurance

When it comes to no medical exam life insurance, some of its biggest benefits include not having to undergo a medical exam and then later on being able to apply for a life insurance policy online.

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No medical exam life insurance is also referred to as guaranteed issue life insurance, simply because you can be guaranteed of getting it if you are medically eligible.

There’s no waiting period either unlike term life which has a short-term waiting period before it takes effect.

Guaranteed no medical exam life insurance allows you to purchase coverage immediately even if you have health conditions already.

When we talk about getting your policy right away, that means no long wait in between, which most people dislike having to do especially when they’re under pressure from debts or financial difficulties.

Who Should Get It

If you want to make things as easy and simple as possible, getting a no medical exam life insurance policy is a good idea.

If you’re looking for an affordable solution that’s transparent, straightforward, and not overly complicated, such a policy is worth considering.

However, if you think you might have certain health issues (such as high blood pressure or diabetes) down the road that could prevent you from getting coverage through other means in the future or lead to a higher premium, later on, it’s probably best to talk with your current insurance provider about options at that time before applying for no medical exam coverage.

Otherwise, it could end up being more trouble than it’s worth—something many people learn after they apply only to be denied later on.

How Much Does it Cost

The no medical exam life insurance by Sproutt is fairly inexpensive. There are a few different policies to choose from and each one has an annual cost associated with it.

Depending on your needs and how much coverage you want, annual premiums can be anywhere from $100 to over $800 per year.

Also, keep in mind that if you don’t qualify for non-medical life insurance through Sproutt then it doesn’t matter what you pay – they won’t provide you with a policy anyway.

Still, even if your health isn’t great now it might be worth paying for a policy just to keep your family protected until things improve.

What Happens if I Decide to Cancel My Policy?

At first glance, it seems like a life insurance policy is similar to buying any other insurance product: You pay your premiums every month and in exchange, you’re protected in case of an untimely death.

But not all life insurance policies are created equal and some have very strict cancellation terms.

If you cancel a non-cancellable policy within its first few years, for example, your insurer could try to claw back most of what you’ve already paid in premiums—if they don’t put a lien on your home or seize another asset instead.

No Medical Exam Life Insurance By Sproutt (Policies)

No Medical Exam Life Insurance By Sproutt may sound enticing, but keep in mind that term life insurance policies are not all created equal.

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There are many different types of No Medical Exam Life Insurance By Sproutt policies to choose from—which can make it difficult to determine which one is right for you.

In most cases, though, these options are intended for people who want affordable life insurance without submitting medical records or undergoing exams.

If you’re looking for more customization, choose an individual or family policy instead.

Simplified Issue

A simplified issue policy is a no medical exam life insurance policy. This type of insurance plan does not require you to take a physical or answer any health questions.

These policies are most commonly used for people over 65 and those who do not smoke.

No medical exam policies can be expensive, especially if you’re young or a smoker but may be worth it for those without a high risk of having a major medical event in their lives.

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Another option is to consider a term life insurance policy, which also doesn’t require you to take a physical exam but doesn’t cover as long of a period of time.

Most term life policies expire when you reach your late 60s, or early 70s (about 20 years) so they aren’t appropriate for everyone.

Final Expense

If you want to get a cheap life insurance policy, but don’t want to deal with medical exams and intrusive questions, then it may be time to look into Final Expense Insurance.

With these policies, there are no medical exam requirements and usually no application questions regarding your health.

The standard coverage level is 50% of what you pay in premiums, but you can choose higher levels if you’d like.

And unlike regular life insurance, an option for accelerated death benefits is also available on a Final Expense policy if someone should pass away prematurely.

Guaranteed Issue

With guaranteed issue life insurance, you don’t have to submit to a medical exam before getting coverage.

After submitting an application and paying your premium, you’ll get a policy immediately—no matter what.

Usually, if you have an existing health condition or have had one in recent years, you won’t be eligible for guaranteed issue life insurance—but there are exceptions.

If you can provide a note from your doctor certifying that your health is no longer a risk, that could make it possible for you to get coverage despite having some kind of pre-existing condition.

This can be especially beneficial for those who want life insurance right away rather than waiting on an exam result.

Graded Death Benefit

Another common life insurance policy is a graded death benefit, which works similarly to a term life insurance policy.

The difference is that instead of a lump-sum payment, your beneficiaries receive regular installments.

This helps them manage their finances as they adjust to life without you.

If you are looking for a no medical exam life insurance policy and don’t mind paying higher premiums in exchange for less flexibility, a graded death benefit may be right for you.

There are only a few companies offering these policies as it generally requires higher premiums to cover all of your benefits upfront.

However, if you want to make sure that your family will always have enough money coming in until they can get back on their feet or have time to properly mourn your passing, then it might be worth it.

Steps to Apply for Sproutt Life Insurance Online

Before applying for life insurance, decide whether you want term or whole life insurance. If you are in good health, chances are that you can get a better rate with term life.

You will pay a small premium every month, which will build up a nice cash reserve to leave behind for your family if something unfortunate happens to you.

That’s just one of many things to consider when looking at no medical exam life insurance by Sproutt.

In order to apply online, get your free quote on their website today!

  1. Enter basic information on application form
  2. Upload ID and proof of income
  3. Take a quick life insurance medical exam
  4. Get approved
  5. Pay your premium

Sproutt Life Insurance Reviews And Complaints

Though there are a lot of insurance options available, each has its own pros and cons. In order to protect your family and loved ones in case of an untimely death, it’s important to know what those pros and cons are.

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Reviews can provide insight into whether or not a policy is worth investing in, giving you peace of mind when it comes to buying insurance.

Many reviews will give information on policies that include a medical exam; though some may say they offer no medical exam life insurance.

Sproutt Life Insurance Pricing

Sproutt is a digital insurance company that offers life insurance policies in the U.S. and Canada.

Their pricing is transparent and the customer can see how much they will pay for their policy before they purchase it.

The company’s pricing is based on the data they have collected over the years. They offer a range of pricing options, depending on how much coverage you want.

Sproutt Customer Service

Service rating (out of 10.0) 8.4 This company was one of our favorites for customer service during our research because their representatives consistently stood out as courteous, friendly, and helpful.

Of course, every single insurance company has people who are nasty—sometimes it feels like every call center is staffed by Hannibal Lecter’s nephew—but that wasn’t true in our experience with Sproutt.

When we called, we felt genuinely cared for by nice people.

Although they certainly needed to be firm on some occasions when we were asking stupid questions or being ridiculous, they usually took a pleasant approach to help us find what we needed even if it meant spending more time on us than other agents would have.

Frequently Asked Questions

Can I Get Life Insurance Without a Medical Exam?

Yes, you can get life insurance without a medical exam, but most people with existing health issues will have trouble getting approved.

That’s because they could be more likely to die early, which means they’d be more likely to make claims on their policy.

Instead of taking a gamble that your medical history won’t affect your coverage options (and end up paying more for life insurance), choose a policy with a no-exam or guaranteed issue option.

Then you can apply to know that you’ll get coverage—even if it isn’t for as much money as someone who takes care of themselves. (And be sure to ask questions about what kinds of exclusions are in place.)

What Life Insurance Does Not Require Medical Exam?

For example, life insurance purchased directly from an insurance company or through an agent does not typically require a medical exam.

Most term life insurance policies don’t have medical exam requirements.

As an alternative to medical exam life insurance, there are medical underwriting term life policies that do not require a medical exam but may be more expensive than a policy without a medical exam requirement.

Finally, whole life insurance doesn’t require a medical exam as long as you purchase it outside of state regulations; however, it can be significantly more expensive.

Do You Need a Medical Exam For Life Insurance?

When you apply for life insurance, one of your biggest decisions is whether or not to get a medical exam.

For example, getting a medical exam can add anywhere from 2 to 5 percent to your life insurance premium.

That’s significant if you plan on buying a lot of coverage, but it can be well worth it if you’re applying for coverage that costs $250,000 or more. Beyond price, there are other considerations.

If your health status changes during a policy’s term period—due to an illness or some other event—you might have grounds for requesting a rate review (and maybe even contesting an increase).

However, there are circumstances when getting a pre-approval physical might not be in your best interest.

What Is The Best Life Insurance Without Medical Exam?

If you’re looking for The Best Life Insurance Without Medical Exam, then you probably want a policy that’s as affordable as possible.

You might also be interested in a policy that helps build your family’s financial security by paying off bills or other debts should you die unexpectedly.

If these things sound like good options to you, consider buying term life insurance instead of whole life insurance.

With both of these types of policies, premiums are determined by your age—the younger you are when you start coverage, the lower your premiums will be over time—and sometimes how healthy you look based on a medical exam performed during underwriting (in whole life).

The interest rate is typically higher with whole life than it is with term, too.

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