Could anybody provide me any info on No-Exam life insurance?

by marcp » Wed Jul 11, 2012 12:02 pm
Posts: 4
Joined: 11 Jul 2012

OK I am turning another year over soon and I just read about a woman younger than I, falling asleep and NOT waking up!

Being a SAHM Mom, I never got life insurance but now that I am working, I think I need it. But I haven't been in for a physical in a while (I know I know) and now have a fear of "pre-existing conditions" not that I am "falling apart at the seams" but I AM OLDER so who knows.

So I need all the info I can get on "no-exam" life insurance. Anybody? Please?

Total Comments: 3

Posted: Wed Jul 11, 2012 02:59 pm Post Subject:

What do you mean by "no exam"? There is a big difference between "no exam" and "guaranteed issue".

Anything that is guaranteed issue means that they assume that you already have health issues.

Talk to a qualified agent. Unless there are known serious health issues, you should not be be trying to avoid an exam.

Posted: Fri Jul 13, 2012 07:20 pm Post Subject:

There is a big difference between "no exam" and "guaranteed issue".


Not in the minds of inexperienced insurance consumers.

Nothing wrong otherwise with what you've posted. But you could have added that by not avoiding all underwriting issues, the OP might also avoid the substandard premiums that come with the guaranteed issue life insurance she was asking about. She could be a standard risk.

And, depending on the amount of insurance she needs, might only have to submit a saliva sample to get it. No exams or invasive medical testing necessary.

At least you're finally beginning to join the party. You used to write things like, "The reason I don't answer questions is that no one ever comes back looking for them."

It might be true some of the time, but it's not true all of the time.

Posted: Sat Jul 14, 2012 03:11 pm Post Subject: No Exam Life Insurance

There are no exam life insurance plans available from several insurance companies, including but not limited to Globe Life, Garden State Life, and Fidelity Life, among others. Some no exam life insurance plans offer coverage up to $50,000 while others may provide up to $300,000. Simplified issue life insurance like Globe Life may provide a limited amount of life insurance without any exam for people age 78 and under. While regular from Fidelity Life may provide up to $300,000 of life insurance with no exam, just some health questions. Other plans, such as graded benefit life insurance may provide lower limits of life insurance, with no exam, and higher rates - the full amount of life insurance may not be available until you have been insured by the policy for at least 2 years, depending on the carrier. No exam life insurance does cost more than life insurance that requires a physical examination.

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