No Medical Exam Life Insurance

Joseph Meyer
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Sneak Peak: Our Top 4 Companies

Do you want to get your hands on a no medical exam life insurance policy? If YES, then you’re going to like this article.

Here’s an insight into our top no medical exam life insurance companies for “Non-smokers only”:

AIG

AIG’s no medical exam term life insurance is an excellent option if you’re a nonsmoker and have an excellent health history. They offer twenty-year choices and for a thirty-year plan, you only have flexible premium payments. And they come with the only suicide clause for non-smokers.

The only downside is that they only offer a plan term of twenty years.

MetLife

MetLife no medical exam life insurance for Non-smokers covers only those people who are on excellent health history, please note that MetLife sets a medical examination…for those who are over 30 years old who are previously uninsured and have a serious health are available. However, MetLife offers a healthy rate for those less than 50 and who are under a 20 age group.

Prudential

Prudential’s no medical exam life insurance comes with attractive features and a range of plans for up to twenty years.

Haven Life

Haven Life’s medical exam waiver policies are only available in Underwritten Whole Life in taxable, non-retirement accounts.

Banner Life

And 7 other companies that don't require a medical exam when you apply for a life insurance policy.

Some life insurance companies require a medical exam as part of the application process. If you don't have a medical exam, you can't qualify for the best rates.

Most life insurance companies will require you to take a medical exam as part of the application process. However, there are a few companies that don't require a medical exam. The following life insurance companies are some of the top companies for anyone who has relatively average health:

  • Banner Life
  • Columbia Financial
  • Genworth Financial
  • Financial Guard
  • Monumental Life
  • North American Company for Life and Health
  • Titan Life

Even though you can save thousands of dollars and get life insurance without a medical exam, you should still complete a basic life insurance application. This will provide the life insurance companies with your basic health information and allow them to consider you for a life insurance policy. Depending on your health, you may still qualify for a reduced rate or a policy with an underwriting waiver (AKA guaranteed acceptance).

Mutual of Omaha

There are various types of term life insurance for you to choose from, including whole life, universal life, variable life, convertible term, and annuities. But when it comes to no medical exam life insurance, there’s only one company that offers it “ Mutual of Omaha.

Ladder Life

When a person is young and healthy, it’s easy to assume that they’re protected from the financial consequences of an early death. But life insurance can be just as important for an older, seemingly healthy person as it is for someone with a predisposition for disease.

In recent years, many companies offering traditional term life insurance policies have stopped issuing new policies to individuals who are under the age of 50. The truth is, medical exam life insurance is a growing trend and for good reason. The rising cost of health care and the aging population means more and more people are qualifying for life insurance benefits. This, in turn, means rates have increased substantially. Especially for younger consumers, the rates often make term life insurance products not worth the cost.

This is the case for many young, healthy individuals. For these individuals, ladder life insurance policies are more affordable and easier to qualify for.

Table of Contents

What Is No Medical Exam Life Insurance?

Health is one of the most important things in life. What good is your financial situation if you are unable to enjoy a long, healthy life with your loved ones? No medical exam life insurance enables individuals who may have medical issues but who may not pass a medical exam to qualify for standard term life insurance.

Life insurance is a policy that gets paid out in the form of a death benefit to the policyholder’s beneficiary in the event of policyholder’s death. A life insurance policy can be permanent, in which a death benefit is paid out at a set time, or term, in which a death benefit is paid out at the end of a specified period of time.

A life insurance policy goes through three steps to determine whether disease, illness, or health condition is covered or not under the policy.

{1}. Medical examination
{2}. Underwriting
{3}. Policy issuance

A medical examination is the first step to get life insurance. All applicants are required to undergo a medical examination to determine the risk. Factors taken into account are the applicant’s health condition, weight, height, and age. Age is the most important factor that determines the applicant’s level of risk. The higher the risk, the higher the price he/she is required to pay for the insurance.

Types Of Life Insurance with No Medical Exam

Life insurance is a form of financial planning that can provide a safety net for your family and help them get back on their feet if something unexpected were to happen.

However, life insurance policies can be confusing to understand and hard to evaluate. One of the biggest factors that will affect your life insurance rates is your current health.

If you have a health problem that could affect your life expectancy or raise your health-insurance risk, an insurer may either apply a surcharge to your rates or flatly refuse to insure you.

Do you work to preserve your good health and stay out of the ER? Then you want a plan without medical exam or health questions …

Type 1 – No exam, no health questions life insurance plans for:

  • Individuals with a moderate health risk profile
  • People over 65 who do not want a medical exam
  • People with a pre-existing or newly diagnosed condition

Type 2 – No exam, some health questions life insurance plans for:

Individuals with a higher health risk profile

Guaranteed Issue Life Insurance

Key Facts and Tips

There are certain instances where you may not be in a position to undergo a medical exam or where you desperately need coverage immediately, for example if you’re planning a cross country trip and want to ensure you’re covered should anything happen to you or your partner.

The best type of life insurance for you is usually the most important question you’re faced with when buying a life insurance policy. It can actually depend on your situation. But if you want to be sure and be confident that by the time it comes time to need the coverage, you’re covered, a guaranteed issue life insurance policy is probably the best route.

A guaranteed issue life insurance policy is a no-exam life insurance policy that usually requires a medical exam and a questionnaire and can be approved for coverage in as little as 24 hours. You can rest assured that if you’re ever in a serious accident, you will be covered.

Simplified Issue Life Insurance

If you do not have to take a medical exam to apply for your policy, then you are applying for a simplified issue life insurance policy. There is generally a nontraditional life insurance policy for just about every challenge (health or otherwise), but it is not always clear. If there is a life insurance policy for every situation, then what are the best alternatives and how do you choose one that is right for you?

We are going to take a look at some of the top simplified issue life insurance products and address some of the common key questions associated with each one. —These life insurance policies may be right for you because they can be issued without a medical exam. However, it is always a good idea to consult a licensed life insurance agent before making a purchase.

How Does This Type Of Life Insurance Work?

There are two kinds of life insurance: term and permanent. If you opt for term coverage when you are young, you may have to undergo a medical exam. This will ensure that you are in good health. While this may seem to make sense, if you are super fit, health conscious and in the pink of health, you may have to undergo medical evaluation just to get life insurance.

If you are in excellent health and can get adequate life insurance coverage through a term plan, you may think you are done with life insurance. Not so! If you change your mind, you can still apply for life insurance later in life without being subjected to medical exams. You can apply for permanent life insurance when you are 55 or older. Life insurance companies love older individuals because they are more likely to live longer. Also these individuals have much less chance of developing health complications. And the companies know it! They are willing to take a healthy risk at an older age than younger individuals. You will basically be getting the same insurance coverage you can get with term life insurance with a very minimal medical exam.

This type of term coverage lasts for a fixed period of time, which means you will have to go through another medical exam when it is time for renewal. If you don’t get insurance earlier in life, you are never going to get it.

How Much Coverage Can You Purchase?

Life insurance is a product that has traditionally been sold with a medical exam, a thorough assessment that examines your medical history.

With no medical exam life insurance, you don’t need to take a health exam. In fact, you can apply for life insurance over the phone. That means that with no medical exam life insurance, you’re not risking a higher premium because of health issues you may have.

No medical exam life insurance policies are available at higher amounts and costs than policies requiring exams. Usually, the rates and premium amounts are the same whether you choose a higher coverage amount or a lower coverage amount.

And unlike previous policies, if you apply for a no medical exam life insurance policy after a recent major health event or diagnosis, you won’t have to pay extra for coverage. Yes, you read that right ‗ no medical exam life insurance policies provide coverage for major medical issues as a matter of course.

Caution: Before you buy no medical exam insurance, you should know that you may still have to answer a medical history questionnaire that’s mailed to you about your health. Sometimes, if the underwriter’s concerned about your medical history, he or she might ask you to visit a doctor for exams that may be required to assess your health better.

How Much Does a Policy Cost?

The cost of a life insurance policy depends on the length of coverage and the policy’s unique features. Since life insurance is generally considered a long-term investment, most people should shop around to find a company that offers competitive premiums.

Before purchasing a policy, read up on the terms and conditions of the coverage to make sure the policy will meet your needs. If you need life insurance tips, like life insurance quotes or information on how to get a life insurance policy, you can browse through to find answers to all your questions

Purchasing a policy through an agent that is endorsed by the life insurance company can reduce your costs. Some agents are provided with a list of life insurance agents that include the current promotions.

If there’s no agent that’s designated by the company, then you won’t have access to the special promotions. In addition, if you are purchasing a life insurance policy online, check with the website’s seller and their online reputation by checking multiple review sites to make sure they are credible.

Compare the cost of the policy to make sure it’s reasonable. As always, shop around to find the best deal for your money.

Do I Need a No Exam Life Insurance Policy?

No medical exam life insurance policies are very similar to guaranteed issue. The only difference is you do not need to provide medical information as part of your application. The coverage amounts and premiums for a no exam life insurance policy are higher than guaranteed issue. Usually, you can only buy term life insurance policies online with no exam and no medical information required.

NO EXAMINATION life insurance policies require that you complete a short questionnaire that asks about your health history. If you are in generally good health, you can qualify for a no exam policy.

Because the premiums for the term life insurance are higher, the justification for buying a no exam policy is the premium savings. The increased premiums are to cover the cost of guaranteeing the policy without examining you.

Reasons (Other than Health) to Get One

Although getting your doctor or a health care expert to recommend life insurance is always a good idea, you don’t necessarily need a doctor’s note to buy life insurance … or any insurance, for that matter.

If you don’t have a lengthy medical history with gaps in coverage, don’t have a medical history of any kind, have maintained a good health record, or don’t have any health issues, you might qualify for a no medical exam policy.

This type of policy will likely work best for non-smokers between the ages of 20 and 39. If you fall outside of this range or smoke, you might still be able to find a no medical exam life insurance policy. But it likely will come with higher premiums and exclusions.

Some carriers will allow you to apply online or over the phone, but that’s not the case with all life insurance insurance companies. If you’re looking to pay less in premiums and appreciate the convenience of buying from the comfort of your home, a no medical exam policy might just be right for you.

Important Factors to Consider

Buying any policy is true a pleasant task to do, but still there are certain things that you have to keep in mind before buying a policy. This is especially important for life insurance policies.

Buying an insurance policy will make sure that your loved ones are provided for if you were to meet with an untimely death. Also, it will ensure that your dreams are fulfilled and responsibilities are taken care of.

But here are some of the important factors that you must keep in mind while buying a policy.

Death Benefits

Yes, you read it right. Someone who is healthy can still qualify for life insurance.

The biggest difference is the medical exam that needs to be passed. (Some Types of coverage have a medical exam regardless of age.) The very young are the most likely to have this type of life insurance, followed by healthy active adults.

On the other hand, someone who is over 65 years old, has a pre-existing medical condition, and may be diagnosed with many more conditions due to the natural aging process would be considered for a term life insurance. This will allow the company to only pay out the death benefit in the event of the insured death and not at a future date.

Let’s take a look at some of the different companies that are currently selling a No Medical Exam life insurance.

Premium Amount

The premium amounts combine underwriting, non-forfeiture and profit margin expenses and depend in part on the health profile of the insured and the plans selected. For a healthy 30-year-old female, a monthly premium of 100 dollars will give a death benefit of 800,000 dollars after paying a 10,000 dollar non-forfeiture. On the other hand, the same results can be obtained with a monthly premium of 61 dollars for a 67-year-old male smoker.

Insurance Carrier

Visit any insurance agent or agent’s website and you’ll be sure to see at least a few life insurance offers. Credit Unions and Insurance companies in your community as well as national carriers like MetLife, Prudential, New York Life and many others all offer multiple types of life insurance to consumers of just about any age. Many agencies will have you fill out an online application that will get you a no hassle quote to purchase your policy. A Simple life insurance policy with cheap coverage and annual premiums in the case of term life insurance, and even whole life insurance, can be found in a matter of minutes with a few clicks.

Not all policies however are created equal. By leaving out some qualifiers on the application process you could end up with an underwritten life insurance policy, sometimes referred to as a medical exam life insurance policy. Insurance policies that are underwritten by an insurance company require the applicant to take a medical exam to determine eligibility for coverage. This medical exam can be quite extensive and depending on your age and health it can come with a large premium.

Type of Policy

No medical exam life insurance is a type of policy where the premium is reduced or eliminated due to health concerns. These policies offer the greatest amount of flexibility in terms of coverage.

However, no medical exam life insurance is typically more expensive than guaranteed-issue life insurance. Their premiums tend to be 50-200% higher than regular life insurance policies – which is why few people actually purchase them. But that’s not to say that no medical exam life insurance policies are useless. They’re definitely worth considering if you can’t qualify for other types of life insurance.

Medically Underwritten, No Exam Coverage with Haven Life

My father passed away this past November and my mother and I started a policy 3 years ago that has been our saving grace. The benefit is so much MORE than I ever anticipated. Monthly income has provided a sense of comfort to us and gave us the time and financial freedom for us to make plans for the future. The agents at Haven Life have been extremely helpful and have kept us updated throughout this journey of settling Father’s trust. I would highly recommend Haven Life to a friend or talk with them about any questions regarding life insurance you may have.

Medically Underwritten, No Exam Coverage with Bestow

As with most life insurance policies, to qualify for no exam coverage with bestow financial, you need to collect the following documents:

  • Proof of age such as a birth certificate, driver’s license, or passport;
  • Proof of residency such as a driver’s license, government ID, or utility bill;
  • Proof of identification such as a driver’s license, government ID, or passport;

Proof of employment, which may include a pay stub, W-2 form, or certified copy of your employment contract.

If you won’t be purchasing life insurance through an insurance agent (like a BOLI agent), you will need to fill out an application online and submit it to the insurance company.

After the application is received, you will be notified by email within 72 hours about the next steps in the application process. Sometimes applicants can receive an acceptance email on the same day, but typically you will hear back within two business days.

If your application is approved, you will be notified and your life insurance application will close. If your application is denied, you will be notified about the reason(s) you do not qualify for this particular coverage under the terms and conditions of the Bestow Financial policy and/or within the state guidelines of California Life and Health Insurance.

Cheap No Exam Life Insurance Quotes

Are you a healthy 30-year-old who just passed a physical with flying colors? You could be eligible for cheap term life insurance, without a medical exam.

The cheapest term life insurance policies offered online all require a medical exam as short time after the application. However, it is possible to find cheap term life quotes that require no medical exam at all.

While no medical exam life policies aren’t as common as those that require an exam, there are a handful of companies who are offering them. If you’re in good health and you’ve already had a physical or you’re within a couple of years of being eligible for one, you may be able to get arrange cheap term life insurance without a medical exam.

Some companies may require payment for information about your health for the coverage to apply. If you pay for this information, your term life insurance cost could be higher. If you’re looking for cheap term life insurance, make sure you can afford the coverage with the standard premium.

A no medical exam life policy is almost always much more expensive than a term policy that requires a standard medical exam.

Top 15 Best Non-Med Insurance Companies for 2021

Life insurance is a necessity today, especially if you have a loved one that depends on you financially.

Some life insurance companies ask you to take a medical examination before they will insure you. But these may not be the best no medical exam life insurance companies to go to. A medical exam increases your premiums, sometimes decreasing the size of the coverage you can get.

Here is a short list of the top 15 no medical exam life insurance companies. This list contains the top 15 non-med companies that offer the cheapest and best coverage. The list is current as of January 2018 and is written by experts on life insurance.

This list is intended to provide you with many of the alternatives available to you. The companies are placed in order of the cheapest rates found. For further information, please visit the websites of these companies or ask a life insurance agent.

Some of these companies also offer coverage for qualified individuals without medical exams. Whether or not you qualify will depend on your health history.

Haven Life

Haven Life’s medical exam waiver policies are only available in Underwritten Whole Life in taxable, non-retirement accounts.

Banner Life

And 7 other companies that don't require a medical exam when you apply for a life insurance policy.

Some life insurance companies require a medical exam as part of the application process. If you don't have a medical exam, you can't qualify for the best rates.

Most life insurance companies will require you to take a medical exam as part of the application process. However, there are a few companies that don't require a medical exam. The following life insurance companies are some of the top companies for anyone who has relatively average health:

  • Banner Life
  • Columbia Financial
  • Genworth Financial
  • Financial Guard
  • Monumental Life
  • North American Company for Life and Health
  • Titan Life

Even though you can save thousands of dollars and get life insurance without a medical exam, you should still complete a basic life insurance application. This will provide the life insurance companies with your basic health information and allow them to consider you for a life insurance policy. Depending on your health, you may still qualify for a reduced rate or a policy with an underwriting waiver (AKA guaranteed acceptance).

Mutual of Omaha

There are various types of term life insurance for you to choose from, including whole life, universal life, variable life, convertible term, and annuities. But when it comes to no medical exam life insurance, there’s only one company that offers it “ Mutual of Omaha.

Ladder

Life insurance can be a complicated product, and for good reason. Complicated products require an investment of time, energy, and expertise to design and market. They are also often incumbent on some sort of medical expertise that helps set accurate rates and can make a product like life insurance extremely hard to sell.

But there is a different type of life insurance – one that is relatively inexpensive. No medical exam life insurance is now widely available, often coming at prices lower than term life insurance.

So what is no medical exam life insurance? There are two basic ways that the industry has gone about providing insurance to consumers. One way is through full underwriting. With full underwriting, the consumer is required to go through a full medical exam and submit to a full medical history timeline. This way, the insurance company can set an accurate rate for the premium, upon which the consumer can purchase a wide range of different insurance products.

The other way that life insurance is sold is through reduced underwriting. With reduced underwriting, the consumer does not have to go through a full medical exam. He is only required to answer a series of questions about his medical history. He is generally compensated for his honesty, but if he fails to disclose important information about his health, his coverage may lapse at a future date.

Bestow

Life insurance benefits your loved ones in the event of your death. It comes in two key forms – term life insurance and whole life insurance.

With term life insurance, you get a lump sum payment to your beneficiary, should you die within a specified period of time. This is also the most affordable insurance to buy … making it a low cost, yet highly valuable gift to your family, especially if they have a lot of financial responsibilities.

By contrast, whole life insurance is a permanent policy that can grow in value if you invest the premiums in the policy and in turn, earn interest on them. Despite the greater expense of whole life insurance, this insurance serves a bigger purpose. It helps to build and secure your loved ones’ future through your death benefits and the growth potential of the policy.

In effect, you are giving your loved ones a valuable gift of protection, financial stability, and peace of mind… and the best part is, you don’t have to be a physical presence to give it to them. So if you have a friend, family member, or a loved one that needs some financial protection (and you can afford to pay for the insurance premiums), consider buying them term or whole life insurance.

Transamerica

There are several types of life insurance policies that do not require a medical exam. They offer different features and benefits, and are suited to different types of people. Before you begin shopping for no exam life insurance, ask yourself:

  • q Are you healthy?
  • q Do you want more coverage than a minimum coverage term insurance policy can provide?
  • q Do you want to buy coverage for a very young someone that would not likely be eligible for coverage elsewhere?

Q If you are in good health and want more coverage than a term policy can provide, Transamerica has an answer for you. Transamerica’s No Medical Exam Life Insurance is a renewable term insurance policy. No Medical Exam Life Insurance is easy to apply for, and coverage is available regardless of a person’s health status. Some Transamerica No Medical Exam policies can accommodate for the increase in life insurance coverage needs through earned premium conversion.

Transamerica’s No Medical Exam policies offer affordable and flexible coverage amounts, and they offer options that include riders that can make coverage more attractive. No Medical Exam policies also provide guaranteed issue options for applicants that want more than a term policy has to offer, but do not want to be required to submit to a medical exam.

Principal Financial Group

Principal’s Universal life insurance allows you to select a level of coverage and make future premium payments in any way that makes sense for you. You can choose the initial monthly premium and make additional premium payments at any time, either a set amount or a percentage of your annual income. If you prefer higher premiums but believe that you may eventually want to lower the amount you are paying, you can select an option to make higher payments at the beginning.

You can also make optional one-time payments. Your options for one-time payments include paying all at once, paying over several years, or paying out of their savings. For example, if you are about to increase your premium payments, you can save up for the higher payments by making a one-time payment or several one-time payments out of your savings at any time before your next payment is due.

Here’s how each option works:

Gerber

I’m in my early forties, and I got a life insurance quote from John Hancock. Those folks were slick as snot, and it wouldn’t have been a good policy, so I kept looking around for a better deal. I found it with Gerber Lifeco, and I’m very happy with their service and their product.

Although Gerber Life is an insurance company, in 2014 they opened the Gerber Life Insurance Agency, and this is the part that I’m going to review.

Gerber Life has taken an interesting approach to the concept of the insurance salesman. Unfortunately, it’s not an approach that I advocate. It’s a very high-pressure approach, and some of the methods they employ border on unethical if not illegal.

If you really need life insurance, why not just pay for it yourself and skip the drama? These guys won’t show up at your door with cookies and a puppy. In fact, they can’t even send you a postcard. Their entire job is to sell, sell, sell, and they won’t stop until they’ve made their quotas for the month or for the year.

Fidelity

Investments Offers No Medical Exam Term Life InsuranceThe American Council on Exercise (ACE) released preliminary results from a study on the benefits and risks of a new type of term life insurance offered by Fidelity Investments.

The study analyzed the Fidelity Guaranteed Protection Insurance policies and includes responses from 1,200 individuals who participated in the investigation. This form of insurance lacks medical exams and has no lifestyle questions, which are typically a part of the application process for traditional life insurance policies. The predictable premiums that are issued by this form of insurance can be reassessed at any time.

Subjects who were part of the study demonstrated an average weight loss of 4.5% in the first year of being insured. This resulted in a significant reduction in risks and fatalities that are typically associated with overweight individuals.

However, the study was also focused on health benefits that could be lost as well. This includes an increase in health conditions such as high blood pressure and diabetes.

When the policyholder has these conditions, the rate of mortality is four times that of the general population. However, when the insured bases their weight on actual measurements instead of their own self-reported weight, they showed a 20% or higher decrease in mortality risk and overall risk of the policy.

The motivating factor of the study revealed what motivated most people to enroll in these types of policies. It was the significant savings that were passed on to policyholders.

Assurity

Sagicor

For a low monthly premium, there is out of work life insurance, payable to you no matter your failing health. There is the No Medical Exam Life Insurance program, which allows you to have coverage at a young age and is renewable as you continue to pay the premium. Additionally, there is the Premium Protection Plan, which will cover premiums in case you die while in service.

Sagicor has over 50 products, including Group Insurance, Personal Accident Insurance, and other programs from which you can choose from and tailor to meet your specific needs.

Phoenix Life

Insurance: No-medical Exam Term Life Insurance

You may have seen those commercials on TV that showcase several different companies and their rates. You may have watched them and thought about how great it would be to get a life insurance policy so that your loved ones can receive financial assistance in case something happens to you. But because of the high monthly payments, you may have never actually applied for a policy.

Well, with Phoenix Life Life Insurance, you may not have to take out a loan to receive a life insurance policy. Neither will your children have to worry about money after you’re gone.

What is Phoenix Life Life Insurance?

Phoenix Life Life Insurance is an affordable term life insurance policy in which you don’t have to deal with a medical exam. In many ways, it’s a lot like permanent insurance, but it is much more affordable.

How Much Does Phoenix Life Insurance Cost?

The monthly premium rates for Phoenix Policy change greatly depending on what kind of policy you want. Some policies have higher monthly premiums than others. But whichever policy you choose, Phoenix Life Insurance offers it for a much lower rate than most other companies.

What Is the Minimum Life Insurance Coverage?

Foresters

No Medical Exam Life Insurance

Foresters no medical exam life insurance is a great option for anyone who has a health condition that makes it difficult to qualify for conventional whole or universal life insurance. The policy is generally not for first time buyers and doesn’t always offer the most competitive premiums.

First, we’re going to cover the basic features of Foresters Life insurance, and then we’ll have a deeper discussion about health concerns that may make you a poor candidate for this policy.

American National

In any profession or career, there is one thing all professionals or workers should have, and that is insurance. It’s a great security whenever something happens, predetermined action is taken. The most common and highly recommended among all types of insurance are life insurance products. The most common types of life insurance are term insurance and permanent insurance products. The only problem is that not all of us are financially able to avail insurance policies like this.

This is where the cash value life insurance policies come in.

The most sought after life insurance product today is cash value life insurance, mostly because it meets the ideas of most of the customers today. Cash value life insurance is the sort of product wherein the premiums are reasonable and according to the applicant's current status. Term life insurance schemes, on the other hand, have a cap on the amount that can be availed, and these amounts vary from one company to the other.

Because of the cap on the amount of life insurance that can be availed under term insurance, there are many people today who cannot pay for the amount needed. This is why there are life insurance experts in the market who help the applicants by doing a medical examination of the applicant.

Americo

Let’s look into Americohealth life insurance, which comes with no medical exam. Americohealth is one of the top health insurance companies for individual life insurance customers.

Individually owned life insurance policies often come with benefits and perks, but they are certainly nothing special, and that’s because these policies must adhere to the strict guidelines of the law. In fact, these policies are sometimes frowned upon as wasteful financial transactions, simply because they cost the company more than traditional policies.

However, Americohealth can offer individual life insurance with no medical exam, in both term and whole life, and this is because they are an independently owned and operated company that is regulated by the state of New Hampshire.

What does all this mean for you? If you’re healthy, Americohealth will be happy to help you find the best individually owned life insurance policy possible. In fact, Americohealth will help you find a policy that meets all your unique needs without any of the hassles that often accompany standardized policies.

Americohealth offers a variety of individually owned life insurance options, and this means that you have plenty of choices for term life insurance, whole life insurance, variable life insurance, and other life insurance policies.

No Exam or Not, Your Coverage Should Fit Your Life

Life insurance can be confusing. There are many different choices, all fully-insured and non-tobacco endorsed, with options to match your needs.

One is no medical exam life insurance.

OpportunityLife offers no medical exam life insurance for people who are already smoke-free, have no medical conditions that could possibly affect the rate, and are at least 18 years of age. This means no exam or medical questions. We can offer this because we’re a selective-underwriting carrier.

We can afford to be selective-underwriting because we insure people the way they want, when they want, from their phone or computer, 24 hours a day. We’re not restricted by quotas, which are not needed because we’re selective.

We’re not offering people more coverage; we’re offering people the opportunity to get the coverage they want, when they want it.

How do we know this works? Selection guarantees the applicant’s satisfaction, their ownership of the decision to get coverage, and their engagement in the shopping process. We know it works because we’ve been doing it for 38 years.

About the Author

Hello! My name is Nikki Schuster and I am the mother of two kids. I’ve been struggling with this weight problem for almost 8 years and have tried every diet, every workout, and every pill under the sun.

Finally, I decided to take control of my weight by loving myself and changing my entire lifestyle. Along the way, I’ve learned a lot about health, fitness, diet, and mindset. And now I want to help you do the same thing.

The best part about me is that I’m just like you. I’m not a doctor, I’m not a nutritionist. I’m just a regular, everyday, hard-working mom who, like you, wants the best for her family.

I don’t have a fancy website and I’m not a best-selling author, but I do my research and I know what I’m talking about. I’m just an ordinary person trying to make a sustainable change in her life and in the lives of her family, and I want to share it with you.

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