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However, once you reach 50, things will change.

It's easy to obtain life insurance quickly without having to undergo a medical exam. The application process is quick and easy, there's no waiting period, and you may be more likely to get coverage. This could allow you to get coverage you wouldn't otherwise be able (e.g., if you are a firefighter or construction worker, driver of a racecar, etc.). However, choosing a policy without a medical exam could increase your premium and reduce your coverage.

It is crucial to decide what type of policy you need, how many, for how long and how much coverage. This will help ensure that you have the right policy to protect your family and you in the event of an emergency.

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We compared hundreds life insurance companies to help choose the best one.

Simply answer a few questions to get a quote for term life insurance. If you are eligible, you can also buy life insurance online.

Life insurance policies like term life insurance require that you undergo a medical exam. This helps insurance companies accurately assess risk and adjust your premium. Although you might think life insurance is out of your reach if you have a grave medical condition, it may not be true.

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You should also leave enough money to your beneficiaries if you need it. Same goes for outstanding bills like car payments, utilities, and other daily living expenses.

No medical exam life insurance -- simplified option -- provides coverage without the need for physicals, blood tests, or urine tests. If you have pre-existing conditions or need coverage quickly, it is possible to get simplified issue life insurance. A simplified issue of term life insurance is a cost-effective and convenient option.

It has a fixed duration: 5, 10, 15, 15, 20, etc. The policy ends after the expiration date.

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No matter where you may be in life, we can provide term life insurance policies to meet your needs and provide you with the security you desire.

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life insurance ny no medical exam

Things can change when you reach 50.

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There are two types if life insurance policies that do not require medical exams. A no-exam, guaranteed or simplified life insurance policy might be the best option for you.

Some insurance companies offer life insurance that does not require a medical examination. This is usually guaranteed-issue or simplified-issue policies. Life insurance coverage typically requires a medical exam. This usually includes a physical examination and blood tests. However, life insurance that doesn't require a medical examination allows you to get coverage without any exam. It is possible to get a term or permanent insurance policy without a medical examination, although this type of coverage can be more costly than ones that require one.

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Frequently Asked Questions

Can I get life insurance without a medical exam? Yes, some insurers offer no medical exam life insurance, usually called guaranteed issue or simplified issue policies.

Guaranteed issue, also called guaranteed acceptance, is a type of whole life insurance that requires no medical exam or health questionnaire. Most insurers only offer guaranteed issue life insurance to older adults, usually aged 50 to 80, although age limitations can vary by carrier.

Term and permanent life insurance options are available for individuals with a chronic illness. Some products, including simplified issue and guaranteed issue, are available without a medical exam. Policy options, premiums and coverage amounts may depend on how well a chronic illness is managed.