Best No Medical Exam Life Insurance Companies Reviews

Top 18 Companies

So you’re researching No Medical Exam Life Insurance and wondering if it’s the right choice? Look no further.

Our “Ultimate Resource: The Best No Medical Exam Life Insurance Reviews” will provide you everything your need to know to make an smart No Exam life insurance purchase.

Having peace of mind and helping to ensure that your family is life insurance securityprovided for and safe if you were to pass away is the goal of your life insurance. 

When you’re comparing No Exam life insurance coverage and quotes, you may or may not notice that many companies require a medical exam before approving a life insurance policy.

Best No Medical Exam Life Insurance Reviews | Top 18 Companies

You may be wondering why most companies require a medical exam? A life insurance medical exam will identify if you have a preexisting health condition. While most  life insurance companies prefer a medical exam, this trend is changing.  There are now more companies offering non medical exam policies then before for all ages (Click here for life insurance rates by age).


Non Medical Exam Life Insurance – Introduction

 

There are so many shoppers looking to buy term life insurance that are discouraged at the idea the life insurance medical examination. Often times they don’t move any further in their search for coverage because of this.

The anxiety that is associated with a life insurance medical exam can be overwhelming for many.

This stress is due to a variety of reasons. The stress to pass the exam, the fear of the unknown and needles. What if you have an unknown medical condition or don’t visit your doctor regularly? Perhaps you’ve had a recent change in your health, lifestyle and diet?

 INSURANCE QUOTES TIP: When comparing and shopping life insurance coverage and quotes, shoppers are often confused about their quote. They frequently are unaware if the quotes listed require a Medical exam or Non Medical. Many times the listed quotes will be a mix of medical and non medical rates. Look for the terms such as No Exam or Non Medical in your quote results.*Be careful when looking at your quote results!

Buying No Medical Exam Term Life Insurance

 

Buying a term life insurance policy with no medical exam is very appealing. The majority of life insurance companies will not accept your primary doctor’s medical exam. It’s an inconvenience and time consuming when you have to schedule and complete the medical exam with a health care professional who you are not familiar with.

life insurance tipThe majority of the time, a life insurance medical exam is used when purchasing coverage. The life insurance companies want to know what your health profile looks like and assess how much of a risk you are. They want to know and calculate the probability of you living a long life.

Just because a medical exam is the most common purchase doesn’t mean you are stuck with that option. There are shoppers looking for a non medical exam option. One major draw to the non medical option is because they fear that their health isn’t ideal. They know that life insurance is more expensive when you aren’t healthy.  So what should you choose?

It can get very confusing knowing which option to take and if a no medical exam life insurance option is best for you.


WHO SHOULD BUY A NON MEDICAL EXAM LIFE?

 

Who exactly should consider buying a non medical life insurance policy? Every person is different and everyone’s life insurance needs are unique.

no exam life insuranceWith that said, here are the top 5 most common scenarios that shoppers should consider non medical exam life insurance coverage:

1. If you are very busy and need to secure life insurance quickly. Sometimes there are situations in life that come up and getting coverage as soon as possible is needed. A no exam life insurance policy is excellent for busy parents who don’t have time due to work, life and family.

2. Perhaps you need it fast for a bank loan. Bank loans may not be issued unless a life insurance policy is collaterally assigned to the bank. What if you’re leaving to go on a trip and need life insurance coverage now?

3. You need less than $500,00 in life insurance coverage. If you are in need of life insurance, consider a non medical exam life insurance policy if the benefit amount is less than $500,000. You can always purchase a second life insurance policy if more is needed.

4. You haven’t been to your primary doctor in quite some time. If you don’t go to your doctor for annual checkups, a no medical exam life insurance policy might be the best strategy. Your health may or may not be ideal and you could be rolling the dice with a medical exam policy. You might be in excellent health, but then again their could be an underlying health condition that you are unaware of.

5. There is a possibility that your blood levels may be unhealthy in the eyes of the life insurance underwriters. Perhaps you don’t know if your cholesterol, triglycerides, glucose or other blood factors have changed since your last checkup. You don’t need to be in great health to qualify for a non medial exam policy. This means you don’t have to be in perfect health, but you do need to be healthy. Consider buying a no medical exam policy if it has been sometime since your last doctor visit and had lab work done.

6. You don’t like needles and blood. Many shoppers get so stressed out when even thinking about needles and giving a blood sample. Save yourself the anxiety and opt for the non medical life insurance option.

7. Paying a little more is not a factor. The convenience and speed of the non medical exam option is a major reason for buying. The cost difference has become much more competitive due to more companies offering no exam life insurance. This is actually bringing the costs down.

OUR ULTIMATE GUIDE WILL PROVIDE YOU EVERYTHING YOU’LL NEED TO KNOW ABOUT PURCHASING NO MEDICAL EXAM LIFE INSURANCE.


Purchasing Non Medical Life Insurance – Simple or Confusing?

 

When you buy something, it should be simple. Buying life insurance should be no different. However, for the majority, buying life insurance is completely overwhelming.

buying life insuranceIt would be nice if you could buy your life insurance coverage online like a TV, movie or shoes. It should be easier, but with all of the options and companies available – it isn’t.

Not by a long shot.

It’s a breeze to get free term life insurance quotes online. Our website provides them to you instantly. That’s the simple part. However, once you find the quote that you want – you’ll have to complete the life insurance application process.

What is your main goal? Is the lowest rate your main objective? Perhaps the highest benefit available is your goal? Or maybe you’re wanting coverage as soon as possible?

This process can be made more simple when you work with an independent life insurance agent. Your independent life insurance agent should provide you the pros and cons of the available companies depending on your goals.


Life Insurance Underwriting – Fast or Slow?

 

Life insurance with a medical exam will typically take 4-6 weeks to complete.

That timeline begins with putting in the application, scheduling and completing the medical exam, and concludes with a final decision with the life insurance company.

life insurance underwritingThe process can go past 6 weeks if there are any risk factors that pop up during underwriting. We’ve had cases go past 6 MONTHS! This occurs when past health issues are found in underwriting. The life insurance underwriter will request past medical records and every time this occurs, it can delay the process.

There are life insurance shoppers that can’t wait that long. They need coverage much faster. Maybe they are going away on a trip or need to secure a bank loan.

Perhaps they’ve put it off for too long and want to get it done quickly. A non medical term life insurance policy was made just for you.


No Medical Exam Life Insurance – What is it?

 

A non medical exam life insurance plan is pretty straightforward. It is a life insurance policy that will not require you to have a medical exam in order to get approved. For the majority of non medical life insurance policies you just need to answer several basic questions to qualify.

Non medical life insurance is mostly for term life insurance, but there are whole life insurance options available. However, there are non medical whole life polices. These policies are often called Final Expense policies.


Non Medical Life Insurance Term Lengths and Benefit Amounts

 

Your term life insurance policy can provide you a benefit length of 5, 10, 15, 20, 25, or 30 years.

term life insuranceNot every company will offer the same term lengths or amounts. The term life insurance policy with provide a death benefit if the insured were to pass away within the term period.

The non medical life insurance coverage that you purchase will provide you coverage for a specific policy amount. The maximum for a non medical life insurance policy varies from each life insurance insurance company.

The maximum no medical exam life insurance benefit is typically $250,000 and up to $500,000. There is a company that will offer a $1,000,000 in coverage if you can qualify for preferred rates.


How Does Non Medical Life Insurance Work?

 

For the most part, a no medical exam term life insurance policy is similar to a regular term life policy. You will receive quotes, choose the length of the term and the benefit amount.

The policy will pay the benefit amount if you were to pass away during the term. You can pay for your policy annually, monthly, quarterly or semi-annually.  You can pay for you policy by EFT or check. Some companies even have a credit card option.


Non Medical Exam Life Insurance Policy Basics

 

Below is a more detailed description of the features of a Non Medical Term Life Insurance policy. There are several key differences from a medical exam term life insurance policy.

Shoppers who understand these facts and how they differ from medical exam policies will be able to make a proper purchasing decision.


What are the differences of No Exam and Medical Exam?

 

  • No Exam – The biggest advantage of a non medical exam life insurance policy is convenience. It’s very appealing for many shoppers to not have a health professional visit you as well as take blood and urine samples.
  • Speed – No medical policies are much quicker. Many companies have approvals in 24 hours or less.
  • Price – Non medical life insurance will usually cost you more than term life with a medical exam. This is not true 100% of the time – but it is for the majority of situations. No medical exam life insurance typically costs more when compared to traditional term because of the risk that the life insurance company takes on. You may have a medical condition or another risk factor that may shorten your life. This is reason for the increased cost.
  • Benefit Amount – You won’t have as many options with Non Medical policies. The maximum benefit amounts are lower than term life with a medical exam. Non Med policies max out at around $250,000 with many companies. Some have a maximum of $500,000, but that is the exception and not the rule.
  • Benefit Length – The term lengths for non medical life insurance is usually at 10, 15, and 20 year terms.


Life Insurance Waiting Period – What is it?

 

There are two types of waiting periods that you need to understand. You’ll want to know which type applies when you’re shopping for a no exam life insurance policy.

1.  Graded Benefit and Guaranteed Issue Life Insurance – These life insurance policy types are usually only for individuals who tried or won’t be able to buy traditional term life insurance or permanent life insurance. The “Graded” period is usually the first 2 years for most companies. Some life insurance companies go up to 3.  How these work is if you were to pass away during the first 2 years, no life insurance benefits would be paid out. All of you paid premiums would be returned plus some interest.

2.  Simplified Life Insurance Suicide and Contestability – Life insurance companies will have a 2 year time period where they can investigate the details that was in your life insurance application. Also during that 2 year period, the life insurance company may investigate what caused your death. This occurs when the beneficiary to the policy files a claim. The life insurance carrier have certain rights. They can deny the life insurance claim if the insured committed suicide during the 1st two years that the policy is in force.

life insurance detailsIt isn’t worth the risk providing false information when you apply for life insurance. It is so important to know that the life insurance company can cancel your life insurance policy, deny your claims and refund your premiums. They are able to do this if they find out that you provided false health information.

LIFE INSURANCE TIP: It is imperative that you tell the truth when you apply for life insurance in order to avoid a claim denial. You are only required to give the specific answers to the questions asked in the application.

BONUS TIP: Only answer the questions asked when you complete the application with your agent or life insurance representative. If you are not asked about a certain illness or situation – you do not need to provide that information.


Non Medical Exam Life Insurance vs Medical Exam

 

We already went over a few of the basic differences of no medical exam life insurance and medical exam. Let’s get into more details, advantages and disadvantages.

life insurance with medical examA medical exam may actually improve your chance of receiving the lowest cost life insurance available. This is especially true if you have a preexisting health condition. Why is that?

There are certain life insurance companies that typically offer lower rates for certain health conditions with a medical exam.

The more details about the health condition and information that is gathered – the greater the possibility of securing the best life insurance rates from the carrier that is best for you.


No Medical Exam – Costly Mistake?

 

life insurance savingsPurchasing a term life insurance policy without a medical exam may look like a good idea. However, if you are not diligent in your research it can backfire on you. A non medical exam life insurance policy doesn’t equate to a guarantee of coverage.

Most non medical exam policies require you to answer some health questions. The company may also order your past medical records.

How can this be problematic for you?

Here is a quick example: You exercise frequently and have followed a strict diet for the past decade. A non medical policy will raise some red flags if you have a family history of heart disease. This is due to the non medical underwriting being based on family history questions. A medical exam could very well factor in your actual exercise and diet into their final decision.

By skipping the medical exam you might be costing yourself a lot of money with much higher life insurance premiums.


No Medical Exam Insurance Benefits – A detailed look

 

The non medical option isn’t for everyone, but it does have great benefits. These benefits are worth the added cost as long as you are making educated decisions and do your homework.

The key benefit that most shoppers focus on with non medical life insurance is the speed of the approval. Coverage can be obtained so much faster than policies that require a medical exam.

HOW MUCH FASTER?

Medical exam life insurance policies require the scheduling of the exam. You have to complete the exam and wait for the life insurance company to order all of your past medical records. The underwriting process takes 4-6 week on average and can last much longer if you had past health issues.

Once underwriting is completed, the policy and final paperwork is sent to be signed and completed. Your policy is finally in force when this is completed.

A non medical exam policy can be much quicker and easily completed. Your policy can be in force in 1 or 2 days. Some are even immediate. This quick turnaround time is very appealing to life insurance shoppers.


Will I Be Denied Life Insurance?

 

Getting a policy quickly is great, but many life insurance shoppers are concerned about their health. For those who have been denied or are concerned about being denied, a non medical exam policy is very attractive.

life insurance with health conditionIf you have a preexisting condition like high blood pressure, diabetes, sleep apnea, or high blood pressure – you may end up denied or with a very high premium.

Life insurance companies will consider you a high risk if you have certain health conditions or  participate in high risk activities or occupations. These occupations and activities can reduce life expectancies.

The simplicity of getting life insurance is the main benefit of securing term life without an exam. Life insurance exams are time consuming and may end up with a denial at the end of the underwriting process.


No Exam Life Insurance Disadvantages

 

There are many positives when getting life insurance without the medical exam. You need to know the disadvantages as well in order to make an informed decision.

Cost is the number one disadvantage of a non medical exam life insurance policy.

The life insurance companies increase the cost of non medical because they do not know if you have a health risk that may shorten your life. For the majority of cases, the life insurance premiums will higher than a medical exam policy. What you end up paying for your policy will depend on several factors.

Your age, use of tobacco, company selected, the term length and amount will be the major factors that determine your cost of insurance. This is usually higher than a similar policy that requires a medical exam.

life insurance tipSometimes this added cost is well worth it knowing you are avoiding potential underwriting headaches & will secure coverage.

Term length and maximum benefit amounts are also potential disadvantages.  If you need a million dollar policy or a 30 year term, you’re out of luck.  No exam life insurance benefit maximums reach a ceiling of $250,000 for most companies. A $500,000 maximum is also available, but is not common across most life insurance companies.

You can always “Stack” policies if you need more life insurance than the $250,000 maximum. Stacking is simply purchasing more than one non medical policy from separate life insurance companies. This will get costly, but it is a strategy that some need.


No Exam Life Insurance Company Comparisons

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The 18 Best No Medical Exam Life Insurance Companies

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TOP 18 NO MEDICAL EXAM LIFE INSURANCE COMPANIES

  1. American Amicable
  2. American National (ANICO)
  3. Assurity
  4. Banner Life
  5. Fidelity
  6. Foresters
  7. Gerber
  8. MetLife
  9. Minnesota Life
  10. Mutual of Omaha
  11. North American Company
  12. Phoenix Life
  13. Principal
  14. Sagicor
  15. SBLI
  16. Transamerica
  17. United Home Life
  18. 5Star

 


American Amicable


About American Amicable

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american amicable non medical exam life insuranceThe American Amicable Life Insurance Company of Texas can trace its roots all the way back to 1910. They are a progressive market insurer. American Amicable offers both annuity and life insurance products. Their products have been developed in order to target the needs of wealth creation, protection and preservation of estate.

American Amicable continues to prosper and grow. They have consistently provided and maintained solid finances. American Amicable (part of the American Amicable Group) was acquired by Industrial Alliance Insurance and Financial Services, Inc. in the year 2010.

American Amicable is looking toward the future with enthusiasm. They have a history of responsible management, financial integrity, and a strong commitment to their policyholders.

 


American Amicable Policy Details

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  • Policy Name: Term Made Simpleamerican amicable non medical exam life insurance
  • Policy Type: Term Insurance
  • Available Term Length (years): 10, 15, 20, and 30 year term
  • Minimum & Maximum Coverage Amounts: $50,000 to $400,000
  • Issue Ages: 18 to 75
  • Non Medical Health Classes: Preferred and Standard
  • A.M. Best’s Rating:  “A”

American Amicable Coverage Summary

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American Amicable TipIf you pay an annual premium you will save almost and entire 1 month of your premium every year.

Advantages

  • Great option for applicants over 65 with a $400,000 benefit. Many companies lower max benefit amounts at this age.
  • Fast Issue Times
  • Build charts are liberal

 Disadvantages

  • 10 year term is available for age 75

american amicable non medical exam life insurance American Amicable Additional Information

  • Fast policy issue. Get approved in 2 or 3 days when all health questions are answered truthfully.
  • 100% Accelereated Death Benefit included for every policy. Many companies provide this at 50%-75%
  • Excellent Riders are available: Return of Premium, Disability, Confined Care Rider / Nursing Home Benefit is included.
  • Application contains qualifying health questions. Underwriting consists of medication check, Motor Vehicle Report, and a Medical Information Bureau check.

American National Insurance Company (ANICO)


About American National Insurance Company

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american national no exam life insurance

Founded in 1905, ANICO (American National Insurance Company)  has been insuring more than five million Americans. American National is located in Galveston, Texas. They are over a century old. This means they are a life insurance company that you can count on now and in the years to come.

ANICO is an “A” rated (Excellent) for their financial strength by AM Best Company (As of September 4, 2015).

The American National Insurance Company offers a wide variety of life insurance products including term life insurance and whole life insurance. They are well known for their no exam life insurance plans.


American National Insurance Company Policy Details

 

  • Policy Name(s): ANICO Signature Term Express and Freedom Term Life Insuranceamerican national no exam life insurance
  • Policy Type(s): Non Medical Exam Term Life Insurance
  • Available Term Length (years): 10, 20 and 30 terms. 
  • Maximum Coverage Amounts: Up to $250,000
  • Issue Ages: Applicant ages 18 to 65
  • Underwriting Time: Approvals often occur in less than 15 minutes & up to 30 days.
  • A.M. Best’s Rating: A

American National Insurance Company Coverage Summary

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american national no exam life insurance American National Tip – American National provides a great opportunity for those who need some wiggle room with underwriting. They are great choice for some high risk health situations such as tobacco users, diabetics and other health conditions.

Advantages

  • Great life insurance rates for several age groups.
  • Approval times are pretty fast.
  • Underwriting is forgiving for a variety of health conditions

 Disadvantages

  • A prescription and medication check will be required for certain benefit amounts and a few age groups.
  • Maximum benefit amount is lower than some other companies.

 American National Additional Information

  • American National offers a variety of riders to their non medical exam policies. An Accelerated Death Benefit is provided at no additional cost. These include a Chronic Illness, Chronic Illness and Terminal Illness rider.
  • American National will look at a few areas when completing underwriting. They will check the Medical Insurance Bureau, Medication Database, and your Motor Vehicle report. Your medical records from your physician may also be requested. A telephone interview may be required as well.

Read our review of American National ANICO


Assurity


About Assurity

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assurity no exam life insuranceStarted in 1890, Assurity has a mission of helping people through times of difficulty. Assurity provides disability, life insurance, as well as critical illness insurance. They also provide voluntary employee benefits through nationwide independent brokers.

Assurity’s commitment is unrelenting. Their financial strength and stability has consistently earned them excellent ratings throughout the industry.

Assurity is a mutual organization, which is important to know. It means they have no publicly-traded stock or shareholders.  That means that their policyholders share in the company’s ownership. Ultimately, it means Assurity is in business to serve the interests of their policyholders.


Assurity Policy Details

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  • Policy Name: LifeScape NonMed Term 350assurity no exam life insurance
  • Policy Type: Term Life Insurance
  • Available Term Length: 10, 15, 20 and 30 year term
  • Minimum & Maximum Coverage Amounts: $50,000 to $350,000
  • Issue Ages: 18 to 65 depending on term length.
    • 10-year level premium period, 18 through 65
    • 15-year level premium period, 18 through 65
    • 20-year level premium period, 18 through 60
    • 30-year level premium period, 18 through 50 – NT, 18 through 45 T
  • Non Medical Health Classes: Select+ Non-tobacco, Select Non-tobacco, Standard Non-tobacco Select+ Tobacco, Select Tobacco, Standard Tobacco 
  • A.M. Best’s Rating: A-

Assurity Coverage Summary

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assurity no exam life insurance Assurity TipIf you pay an annual premium you will save almost and entire 1 month of your premium every year.

Advantages

  • Fast Issue Times due to automated system analysis
  • Variety of available riders
  • Excellent choice for tobacco users

 Disadvantages

  • Price
  • May need an additional phone interview for some applicants

 Assurity – Additional Information

  • After initial underwriting, some applicants may be required to answer additional questions to determine insurability.
  • The policy may be renewed after the initial term period at annually increasing rates.
  • MVRs are automatically ordered on all cases processed through the system.

Read our full review of Assurity


Banner Life


About Banner Life

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banner non medical exam life insuranceBanner Life remains the company that underwrites and issues our life insurance policies. However, we represent the market under a single name, Legal & General America.

Legal & General began over 178 years ago in 1836. That is when six lawyers would meet in a London coffee house. The topic of discussion? Life insurance of course. These men decided to put together an association under the chairmanship of John Adams.  This was eventually named Legal & General Life Assurance Society.

Legal & General has over 10 million customers currently. These customers have trusted Legal & General for their life insurance, pensions, investments and general insurance plans.


Banner Policy Details

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  • Policy Name(s): OPTermbanner non medical exam life insurance
  • Policy Type(s): Term Life Insurance
  • Available Term Length (years): 10, 15, 20, and 30 term life
  • Maximum Coverage Amounts: $100,000 – $500,000
  • Issue Ages: 20 to 50
  • Non Medical Health Classes: Preferred Plus Non Tobacco, Preferred Non Tobacco, Standard + Non Tobacco
  • A.M. Best’s Rating: A+

Banner Coverage Summary

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banner non medical exam life insurance  Banner TipBanner Life provides underwriting automation with their own Appcelerate program. This was designed for people who are in pretty healthy. If you can qualify, a life insurance policy can be issued by the next business day.

Advantages

  • Great option for healthy applicants.
  • Fast approval times
  • The Appcelerate program will allow you to be approved for life insurance without the need for labs,  background medical history from your doctor, or a medical exam.

 Disadvantages

  • Not a good choice if you aren’t in great health
  • Not available for tobacco users

  Banner – Additional Information

  • Non Medical circumstances that may disqualify for Non Med: • Lapse or internal replacement in the last two years • Any criminal activity • DWI conviction in past 5 years • Private Aviation (only available with Exclusion Rider) • Bankruptcy in the past 5 years • Avocations (some scuba risks will qualify) • Premium financing
  • Banner offers a variety of Life Insurance Riders:
    • Waiver of Premium – What happens if you become disabled? This will make sure your life insurance policy will remain in force until the time you can resume your payments.
    • Policy Conversion –Many life insurance companies will typically offer policies that can be renewed to age 90. Banner offers convertible and renewable life insurance to age 95
    • Accelerated Death Benefit –What if you’re diagnosed with a terminal illness? You may access a percentage of your death benefit for hospice care, pay medical bills and other treatments. Your final death benefit will be reduced by whatever amount of the accelerated benefit you withdrew.
    • Children’s Rider – With just one rider, you can cover all of the eligible children. It covers the earlier of the insured’s 65th birthday or the child’s 25th birthday. This has to be added when you apply and can’t go over $25,000.

Read our full review of Banner


Fidelity


About Fidelity

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fidelity no exam life insurance

Founded in 1896, Fidelity Life is just one of the few life insurance carriers in the industry that has a focus on helping everyday Middle Americans experience life insurance ownership and the peace of mind that it brings.

Fast forward to today. Fidelity Life is a life insurance company that is well capitalized. They are licensed to do business in every state except New York and Wyoming. Fidelity Life has over $26 billion of life insurance in force.

Fidelity Life understands that many families in America are competing daily with the economic pressures of life. Fidelity Life uses a patented technological system as well as innovative products in order to offer life insurance policies that are affordable and valuable to you.

 


Fidelity Life Policy Details

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  • Policy Name: Rapid Decision Expressfidelity no exam life insurance
  • Policy Type: Term Life Insurance & Graded Policies (Whole & Term)
  • Available Term Length (years): 5, 10, 15, 20, 30 year term life. Availability will vary depending on your age.
  • Minimum & Maximum Coverage Amounts: $50,000 – $250,000. Maximum benefit for ages over 55 is $150,000
  • Issue Ages: 18 to 65
  • Non Medical Health Classes: Preferred, Standard, Rated, Standard Tobacco and Rated tobacco
  • A.M. Best’s Rating: A-

Fidelity Life Coverage Summary

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fidelity no exam life insurance.  Fidelity Life TipUsing Fidelity Life’s digital tool, approval for life insurance happens at a much more rapid pace. Customers seeking insurance will not be required to give any kind of exam or oral questionnaire.

Advantages

  • Renewable annual term to age 95 is available when your term policy ends
  • Speedy underwriting and approvals. Up to a few business days to be approved, but most within 24 hours.
  • Great option for older populations

 Disadvantages

  • 10 year term is available for age 75
  • Price
  • Underwriting

  Fidelity Life – Additional Information

  • You are only required to answer a few health questions in order to qualify for this innovative product.
  • Underwriting will analyze your Motor Vehicle Report, Medication database to look at your prescription history, and a Medical Insurance Bureau check (The MIB check is to see if you’ve ever been denied life insurance).
  • Approvals may be delayed if your medical records or telephone interview need to be provided.

See our review for Fidelity Life

 


Foresters


About Foresters

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foresters non medical exam life insuranceAn international financial service provider, Foresters Financial has a unique history that started in 1874. That is when Foresters  set out to provide life insurance access for the average hard working family.

It has been more than 140 years and Foresters still provides life insurance, investment, retirement and savings solutions. These solutions help families achieve long-term financial well being and health.

There are more than three million customers and members in the United States, Canada and the United Kingdom today that are benefiting from Foresters experience, expertise and reliability that have been built over the past two centuries.

Foresters has $34 billion in total funds under their management and financial reserves. These are well above the life insurer standard.


Foresters Policy Details

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  • Policy Name: Life First Expressforesters non medical exam life insurance
  • Policy Types: Term insurance & Permanent
  • Available Length: 20, 25 and 30 year term. Permanent life insurance is also available.
  • Minimum & Maximum Coverage Amounts: $50,000 to $250,000
  • Issue Ages: 18 to 65. A maximum benefit of $150,000 for applicants over age 55.
  • A.M. Best’s Rating: A

Foresters Coverage Summary

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 Foresters Tip – A $150,000 maximum death benefit is available for ages 55 and over.

Advantages

  • Variety of Riders available
  • A.M. Best Financial Rating is excellent
  • Conversion option to their final expense product

 Disadvantages

  • Maximum benefit is less for applicants aged 55 or over.
  • Price
  • Limited term options

foresters non medical exam life insurance  Forester’s – Additional Information

  • Underwriting will analyze your Motor Vehicle Report, Medication database to look at your prescription history, and a Medical Insurance Bureau check (The MIB check is to see if you’ve ever been denied life insurance).
  • Approvals are not as fast as some other companies. You are looking at an approval timeframe of anywhere from 2 weeks to a month before the final approval.

Read our review of Foresters


Gerber Life Insurance


About Gerber Life Insurance

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gerber non medical exam life insuranceGerber Life Insurance Company has been providing life insurance since 1967. Gerber has been providing life insurance options for young families with limited budgets for decades.

Gerber Life Insurance is a separate affiliate of Gerber Products Company also known by most as “the baby food people.”  These 2 companies have a common goal. That goal is to help moms and dads raise healthy, happy children.

Today, Gerber Life Insurance provides life insurance in the United States, Puerto Rico and Canada. Gerber Life has life insurance products available for a variety of age brackets and stages of life. Gerber Life has more than $45 billion of in force life insurance which provides financial security from over 3.3 million policies.


Gerber Life Policy Details

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  • Policy Name: Gerber Guaranteed Issue No Examgerber non medical exam life insurance
  • Policy Type: Final Expense life insurance
  • Available Length: Permanent
  • Minimum & Maximum Coverage Amounts: $25,000
  • Issue Ages: 50 to 80
  • A.M. BEST’S RATING: A

Gerber Life Coverage Summary

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Gerber Life Tip – Gerber Life’s guaranteed issue is a great choice for those seeking life insurance who have been denied or may not qualify for other products.

Advantages

  • Guaranteed life insurance policy
  • No medical questions
  • No exam
  • Issued quickly

gerber non medical exam life insurance Disadvantages

  • Graded product. This means that there is a waiting period for the first two years of the policy.

 Gerber Life – Additional Information

  • Gerber’s Guaranteed issue is a Graded policy. This simply means that there is a waiting period for the 1st 2 years of the policy. If you were to pass away during this time, no benefit would be paid. However, you get back all premiums paid and 10% interest.

 


MetLife


About MetLife

.

metlife non medical exam life insuranceNow known as Brighthouse Financial, MetLife is a leader in life insurance products. Metlife began in 1863 by a group of businessmen in New York City who raised $100,000 and founded the National Union Life and Limb Insurance Company.

This company had a focus on insuring sailors and soldiers from the Civil War against wartime disabilities, accidents, sickness and wounds. In 1868, they became the Metropolitan Life Insurance Company with a focus on life insurance.

Fast forward today, and Metlife continues to be a dominant force in the life insurance industry. Metlife was the largest USA life insurer from 2004 – 2011. The have over 12 million U.S. customers and over $350 billion in assets. Metlife’s life insurance services and products are comprised of several types of permanent life insurance and term life insurance. Metlife’s permanent products include universal life, whole life and final expense life insurance.


MetLife Policy Details

.

  • Policy Name: MetLife Simplified Issue Term Insurancemetlife non medical exam life insurance
  • Policy Type: Term insurance
  • Available Term Length (years): Annually renewable term to age 90
  • Minimum & Maximum Coverage Amounts: $10,000 to $100,000
  • Issue Ages: 18 to 70
  • Approval Time: Up to 24 hours
  • A.M. Best’s Rating: A+

MetLife Coverage Summary

.

 MetLife TipSimplified Issue Term is what is known as “term to 90” insurance: it automatically renews each year, up to age 90, and it renews without additional underwriting as long as premiums are paid.

Advantages

  • Answer only a few health questions to apply
  • Extremely Fast Issue Times

 Disadvantages

  • Life insurance premiums increase every 5 years based on the age of the insured
  • 5 year premium increase means that this product isn’t priced competitively when compared to some other companies

metlife non medical exam life insurance MetLife – Additional Information

  • For ages 69 and below: The full blood profile, urinalysis, examination, telephone interview/personal history interview and resting EKG are generally acceptable for 12 months. Prescription History Database will be required/updated whenever the shelf life of full blood profile, urinalysis, examination and Prescription History Database requirements exceeds six months.
  • Age 70 and above: The full blood profile, urinalysis, examination and telephone interview/personal history interview are generally acceptable for six months. A resting EKG is generally acceptable for 12 months.
  • Any Age: Prescription History Database and Motor Vehicle Reports (MVRs) are generally acceptable for six months.

Read our full review of MetLife


Minnesota Life


About Minnesota Life

.

minnesota life non medical life insuranceMinnesota Life, also known as Securian, have been providing life insurance coverage since 1880. The Securian Financial Group is the holding company parent of Securian Life and Minnesota Life and its affiliates.

Minnesota Life focuses on what it takes to be successful, now and in the future. Minnesota Life’s claims paying abilities and financial strength rank them among the highest rated life insurance company groups in the entire nation.

Minnesota Life is consistent with their financial strength rankings and near the top by the four major independent rating agencies.


Minnesota Life Policy Details

.

  • Policy Name: Advantage Elite Select Lifeminnesota life non medical life insurance
  • Policy Type: Non Medical Exam Term Life Insurance
  • Available Term Length (years): 10, 15, 20, and 30 year term – Max length based on current age.
  • Minimum & Maximum Coverage Amounts: $50,000 to $249,000
  • Issue Ages: 16 to 55
  • Non Medical Health Classes: Standard (Non Tobacco and Tobacco)
  • A.M. Best’s Rating: A+

Minnesota Life Coverage Summary

.

 Minnesota Life Tip – Your medical history will be gathered via a telephone interview with Minnesota Life’s Non Medical Exam life product.

Advantages

  • Great rates
  • Policy approval times are fast
  • Underwriting. Conditions such as blood pressure, skin cancer, and anxiety disorders can be reviewed instead of declined like other companies.

minnesota life non medical life insurance Disadvantages

  • Maximum age of 55 is lower than most other no medical exam companies.

 Minnesota Life – Additional Information

  • For the 5 to 15-year term policies you can convert the policy within the first 5 years to a permanent one without proving good health.
  • For the 20 to 30-year term lengths you would have to convert within the first ten years.

 


Mutual of Omaha


About Mutual of Omaha

.

mutual of omaha non medical exam life insuranceMutual of Omaha can trace its roots all the way back to 1909. It was then known by the name Mutual Benefit Health and Accident Association. They filed their articles of incorporation with Nebraska Insurance Department.

Both United of Omaha Life Insurance Company and Mutual of Omaha Insurance Company display financial ratings that are strong from the industry’s 3 major independent rating services. These are A.M. Best, Moody’s and Standard & Poor’s

Mutual of Omaha is a Fortune 500 financial services and mutual insurance company. They are based out of Omaha, Nebraska. As a full service and multi line organization, Mutual of Omaha provides life insurance, financial products as well as banking products for individuals, businesses and groups. These services are provided throughout the United States of America.


Mutual of Omaha Policy Details

.

  • Policy Name: Term Life Expressmutual of omaha non medical exam life insurance
  • Policy Type: Term Life and Graded insurance
  • Available Term Length (years): 15, 20, 30 and Permanent 
  • Minimum & Maximum Coverage Amounts: $25,000 to $400,000
  • Issue Ages: 18 to 65
  • Non Medical Health Classes: Standard Non Tobacco and Standard Tobacco
  • A.M. Best’s Rating: A+

Mutual of Omaha Coverage Summary

.

Mutual of Omaha Tip – Your policy is renewable to age 100. This means you have the option of continuing coverage after the term ends up to age 100.

Advantages

  • Many riders included at no extra cost.
  • Maximum coverage of $400,000 is more than most companies

 Disadvantages

  • Only 2 health class ratings to choose from.
  • Underwriting ranges from 1-3 weeks.

mutual of omaha non medical exam life insurance Mutual of Omaha – Additional Information

  • Included riders: Waiver of Premium, Accelerated Death Benefit, Residential Damage, Common Carrier Death Benefit Provision.
  • The Disability Income Rider has an additional cost if you would like to add that to your policy.

 


North American Company


About North American Company

.

north american non medical exam life insuranceAs a top life insurance and annuities provider, the North American Company for Life and Health Insurance has been around since 1886. They have fulfilled their commitments to their life insurance policy holders and customers.

Both families and businesses alike have counted on the North American Company to help out when times become challenging. They are there to help and assist during the difficult times as well as the good times ahead.

The North American Company has provided outstanding customer service, competitive life insurance as well as solutions for retirement for approximately 130 years. North American has been solid with their financial strength and are committed to help their customers on the everything that matters the most to them.


North American Life Policy Details

.

  • Policy Name: LifeVue Simplified Issuenorth american non medical exam life insurance
  • Policy Type: Simplified Issue Term life insurance
  • Available Term Length (years): 15, 20, 30 term life insurance
  • Minimum & Maximum Coverage Amounts: $50,000 to $500,000
  • Issue Ages: 18 to 50
  • Non Medical Health Classes: Super Preferred, Preferred, Standard, Substandard, Preferred Tobacco, Standard Tobacco, Substandard Tobacco
  • A.M. Best’s Rating: A+

North American Life Coverage Summary

.

North American Tip – The price breaks are at $100,000 and $250,000. So, let’s say you’ve done some figuring and determined you need $242,512 of coverage. If you round up to the $250,000 level, your policy might cost less per month.

Advantages

  • Fast Approvals – Most applications decided in minutes
  • EFT and Credit Card payment options
  • Large amount of underwriting classes to qualify from

 Disadvantages

  • Age 50 is maximum applicant age

north american non medical exam life insurance North American – Additional Information

  • Simply answer some health and lifestyle questions on the phone, and as long as you don’t have any serious health impairments or other risk concerns, you can typically qualify for coverage immediately.
  • In fact, clients typically can get LifeVue coverage in around 30 minutes—with no needles, no urine sample, and no doctor’s visit.

Read our full review of North American Company


Phoenix Life


About Phoenix Life

.

phoenix non medical exam life insurancePhoenix Life started in 1851 and has always been about life insurance. This has been a focus and objective with Phoenix Life since they started.

Phoenix Life provides products and services made to meed the financial needs of mass affluent markets and middle income markets. The goal of the Phoenix Safe Harbor Term Life and Term Life Express is to make and affordable term life insurance product for middle market customers.

Phoenix Life also wants to give you the added flexibility of living benefits. This will help you plan for the unexpected times and assist to protect your family and loved ones.


Phoenix Life Policy Details

.

  • Policy Name(s): Safe Harbor Term and Term Life Expressphoenix non medical exam life insurance
  • Policy Type(s): Term insurance
  • Available Term Length (years): 10, 15, 20, and 30 term periods (Length depends on applicant age)
  • Minimum & Maximum Coverage Amounts: $25,000 to $400,000 (Benefit amount depends on age)
  • Issue Ages: 18 to between 50 & 80 depending on the term length selected
  • A.M. Best’s Rating: B

Phoenix Life Coverage Summary

.

phoenix non medical exam life insurance Phoenix Life Tip – Phoenix Life’s products have a focus on Living Benefits. If this is a major factor in choosing a policy, Phoenix Life must be considered.

Advantages

  • Living Benefits. These riders are included without extra costs: Critical Illness Rider, Terminal Illness, Unemployment Rider, and Chronic Illness Rider.
  • Available up to age 80. This is one of the best options for this age group.

 Disadvantages

  • Rated a “B” life insurance company.
  • Price isn’t as competitive at some age brackets.

 Phoenix Life – Additional Information

  • Critical illness, chronic illness and terminal illness riders, available at no additional premium, that give insureds the option to advance up to 95% of their death benefit in the event of a serious illness. The death benefit is reduced by the benefit amount that is accelerated, and future premiums are reduced proportionally to the remaining death benefit. The actual amount received is discounted based on the insured’s condition and life expectancy.
  • Unemployment rider, automatically included for issue ages 18 to 60 at no additional cost, waives six months worth of premium if the insured becomes unemployed for at least four weeks. This rider is subject to a 24-month waiting period from the date of issue and must be elected within 90 days of qualifying, which is defined as receiving state or federal employment benefits.
  • Optional accidental death benefit rider, which requires additional premium, must be elected at issue and is available to insureds under age 65 at time of issue and terminates at the insured’s age 70.

Principal Financial Group


About Principal

.

principal non medical exam life insuranceBeginning as an insurance company, Principal started in 1879. Now they are a member of the Fortune 500 as well as a global investment management leader.

Principal is a company that clients and advisors to to in order to reach their financial goals because of their support and solutions. Principal helps people make the kind of life that they dream about with stability and financial security.

Ranked number 3 overall for best overall service to micro plans, plan support, and value added advisor services. Principal has gotten the Adviser’s Choice Award for advisor support, post sale. Principal has also received more than 90 Best in Class designations over the past decade from PLANSPONSOR magazine’s Defined Contribution Services Survey. Lastly, Principal has been named 1 of the World’s Most Ethical Companies as well as 1 of America’s Best Employers.


Principal Policy Details

.

  • Policy Name: Principal Lifeprincipal non medical exam life insurance
  • Policy Type(s): Term Life, Permanent Life and Universal Life Insurance
  • Available Term Length (years): 10, 15, 20, 30 year term (Depending on the age of applicant)
  • Minimum & Maximum Coverage Amounts: $50,000 to $1,000,000
  • Issue Ages: 18 to 60 
  • Non Medical Health Classes: Preferred, Preferred Best
  • A.M. Best’s Rating: A+

Principal Coverage Summary

.principal non medical exam life insurance

Principal Tip – Make sure you can qualify before you apply! Speak with your agent and they will pre qualify you so there are no surprises.

Advantages

  • Highest benefit amount. No other Non Medical company offers a $1,000,000 benefit.
  • Fast approval times (48 hours or less)

 Disadvantages

  • Only for health applicants. You will require a medical exam if you don’t qualify for Super Preferred or Preferred health classes.

 Principal – Additional Information

  • Eligible applicants include individuals aged 18-60 applying for any retail life insurance products for face amounts up to $1,000,000.
  • For qualifying individuals their application can be approved within 48 hours or less with a Super Preferred or Preferred rating.
  • Through the Principal Accelerated Underwriting program, information is gathered through traditional underwriting sources including an application and a check of MIB, motor vehicle reports and prescription records.

Read our full review of Principal

 


Sagicor


About Sagicor

.

sagicor no exam life insurance

For  over 175 years, Sagicor has built their business based on their long-term relationships with not only their employees, but with their customers and communities. These are the important people who entrust Sagicor with their well being and financial future.

Sagicor’s business strategy has been carefully constructed. Sagicor has been transformed a single line local life insurance company to a financial services group. Sagicor now has a regional base that is solid and has expanded into the financial services market internationally.

Sagicor’s financial stability has provided them with a solid reputation. This is because Sagicor’s reputation is based on their outstanding financial prudence. Since 1999, Sagicor’s excellent (A-) rating from A.M. Best Company has shown steady financial confidence.

Sagicor’s excellent rating is due to their financial strength and their ability to meet their ongoing obligations. Not only this, but also their operating effectiveness and strategic management.

 


Sagicor Policy Details

.

  • Policy Name: Sage Termsagicor no exam life insurance
  • Policy Type: Term Life Insurance 
  • Available Term Length (years): 10, 15, 20 year term life
  • Minimum & Maximum Coverage Amounts: $50,000 to $500,000
  • Issue Ages: 18 to 65
  • Non Medical Health Classes: Preferred Non-Tobacco, Standard Non-Tobacco, Rated Non-Tobacco, Preferred Tobacco and Standard Tobacco
  • A.M. Best’s Rating: A-

Sagicor Coverage Summary

.

sagicor no exam life insurance Sagicor Tip – Sagicor uses a simple eApplication with Automated underwriting. A decision occurs in minutes (no telephone interview required).

Advantages

  • Higher death benefit than most companies.
  • Very fast approval times. Often times a decision is instant.

 Disadvantages

  • Limited term options (No 25 year term or 30 year term)

 Sagicor – Additional Information

  • Conversion to a permanent life policy available prior to policy anniversary following the insured’s 70th birthday
  • No medical exams, bodily fluids or attending physician’s statement (issuance of the policy may depend upon the answers to the health questions set forth in the application)
  • No medical records is needed from your doctor

Read our full review of Sagicor


SBLI


About SBLI

.

sbli non medical exam life insuranceSBLI started in 1907 and has been protecting more than a million families with dependable and affordable life insurance options.

SBLI is consistently a low cost leader in the life insurance industry. They offer some of the most affordable premiums in the country currently. These low rates are for both men and women. SBLI accomplishes this due to their excellent history of financial strength as well as SBLI’s prudent approach to investments.

A.M Best has been consistent with their ratings of SBLI. SBLI and their philosophy has consistently gotten the Superior (A+) rating from A.M. Best. This superior rating has occurred no matter the state of the economy.


SBLI Policy Details

.

  • Policy Name: Level Premium Termsbli non medical exam life insurance
  • Policy Type: No Exam Term insurance
  • Available Term Length (years): 10, 15, 20, 25, 30 year term
  • Minimum & Maximum Coverage Amounts: $100,000 to $500,000
  • Issue Ages: 18 to 60
  • A.M. Best’s Rating: A+

SBLI Coverage Summary

.

sbli non medical exam life insurance SBLI Tip – SBLI has replaced the typical medical exam with a Telemed phone interview.

Advantages

  • Frequently the best rates for multiple age brackets.
  • $500,000 benefit is more than most Non Med companies.
  • Quick approval times (Typically 1 day, but may take up to a month if underwriting needs more information).
  • Accelerated Death Benefit rider is included without an additional cost.

 Disadvantages

  • 10 year term is available for age 75

 SBLI – Additional Information

  • SBLI starterd their new accelerated non medical exam product in May of 2016.
  • Not available in NY and MT

Read our full review of SBLI


Transamerica


About Transamerica

.

transamerica no exam life insuranceIn 1904, a young entrepreneur named Amadeo Giannini created the Bank of Italy in a converted San Francisco saloon. In 1928, Giannini merged with Bank of America, and in 1930 acquired Occidental Life Insurance Company through Transamerica Corporation.

Started in 1904, a young businessman named Amadeo Giannini started the Bank of Italy in San Francisco, California. Giannini then merged in 1928 with Bank of America. In 1930 the acquisition of Bank of Italy in San Francisco occurred.

Fast forward to today. Transamerica is committed to assisting consumers just as they did a century ago. Customers can now access an even larger range of financial services. Transamerica provides everything from retirement plans to life insurance in order to secure your financial future.

Transamerica and their life insurance companies have all received excellent ratings for the most respected rating services in the industry – A.M. Best Company, Moody’s Investors Service, Fitch Ratings and S&P Global Rating Services.


Transamerica Policy Details

.

  • Policy Name: Simple Termtransamerica no exam life insurance
  • Policy Type: Term insurance
  • Available Term Length (years): 10, 15, 20, 25 & 30 year term.
  • Minimum & Maximum Coverage Amounts: $25,000 – $249,000.
  • Issue Ages: 18 to 70
  • A.M. Best’s Rating: A+

Transamerica Coverage Summary

.

transamerica no exam life insurance Transamerica Tip – Transamerica offers their Terminal Illness Rider without an additional cost.

Advantages

  • Number of choices with term lengths of 10, 15, 20, 25, and 30 years.
  • Guaranteed renewable to age 105.
  • Issue age up to 70.

 Disadvantages

  • Not the fastest approvals. Can take 2 to 4 weeks to approve.

 Transamerica – Additional Information

  • Transamerica offers several riders: Disability Rider, Chronic Illness, Terminal Illness Rider and a Critical Illness Rider.
  • Underwriting will be looking at MVD (Motor Vehicle Department Records), MIB (Medical Insurance Bureau), and your RX (Pharmacy Records)
  • Your medical records may be requested from your doctor.

Read our full review of Transamerica


United Home Life


About United Home Life

.

united home life non medical exam life insuranceUnited Home Life’s website states that they keep the promises they’ve made to their policy owners for over 70 years.  Their goal is to offer life insurance products that are easy to understand and that will give security to the ones you love.

United Home Life offers a variety of life insurance products including term, whole life, and accidental death coverage.  Many of United Home Life’s plans can be custom made to meet specific life insurance goals with their additional benefits and riders. Several of which are at no-cost to you.

United Home Life received an A- from A.M. Best. They are a leading independent analyst of the insurance industry since 1899.  They also provided a financial strength rating of A (Excellent) to United Farm Family Life.  These are the fourth and third highest ratings, respectively, out of 16 ratings.

All of our companies combined have over $2 billion in assets, and over $20 billion in in-force life insurance policies. United Home Life is solidly positioned to meet the promises they have made.


United Home Life Policy Details

.

  • Policy Name: Express Issue united home life non medical exam life insurance
  • Policy Type: Term Life Insurance & Guaranteed Issue Graded
  • Available Term Length (years): 20, 30, and Permanent
  • Maximum Coverage Amounts: $200,000 Term for up to age 45; $150,000 to age 65. 
  • Issue Ages: 20 to 80
  • A.M. Best’s Rating: A-

United Home Life Coverage Summary

.

United Home Life Tip – United Home Life appears to focus on the older age groups of 50 years or older for life insurance and burial insurance.

Advantages

  • Good option and competitive for Guaranteed Issue and Graded policies for certain age groups

 Disadvantages

  • There are more competitively priced companies for several niches especially with Term products

united home life non medical exam life insurance United Home Life – Additional Information

  • There is a 2 year graded (waiting period) death benefit. For year one there is a return of premium plus an extra 12% interest on premiums paid. For year two, there is a return of premium and a 24% interest paid. The entire death benefit will be paid if the insured were to die of an accidental death.
  • For benefit amounts of $10,000 or more there are 3 riders that are included with the policy. These are: 1) An identity theft waiver of premium rider. 2) A hospital stay waiver of premium rider. 3) An accidental death benefit rider.

Read our full review of United Home Life


5Star Life Insurance


About 5Star Life Insurance

.

5star non medical exam life insurance5Star Life was founded in 1996 and they insure over 800,000 people and total over $41 billion of in force life insurance policies. 5Star strives to give a flexible business model that will enable them to serve the needs of a diverse clientele. That clientele includes insurance advisers to individuals and organizations as well as a valued partner to brokers.

5Star Life Insurance (5Star Life) is a related enterprise of the AFBA (Armed Forces Benefit Association. They are a growing provider of voluntary and supplemental life insurance to the group/worksite markets. The insurance that is sold by 5Star Life contracted independent producers/brokers committed to offering life insurance products customized to fit the needs of all of their clients.

5Star Life Insurance doesn’t try to be an all in one life insurance solution to everyone unlike most large companies. You can be sure that you are working with a niche company that has years of experience. 5Star is happy that it is focused on several target markets with life insurance products and services made around the needs of these markets.


5Star Life Policy Details

.

  • Policy Name: Family Protection Plan5star non medical exam life insurance
  • Policy Type: Simplified Issue Term Life Insurance to Age 100
  • Available Term Length (years): This policy covers you to age 100 (Select “Lifetime” in our free quoter)
  • Minimum & Maximum Coverage Amounts: $10,000 to $150,000
  • Issue Ages: 18 to 70
  • A.M. Best’s Rating: A-

5Star Life Coverage Summary

.

5Star Tip –  5Star’s product is very unique as it has only a few questions in order to qualify for coverage to Age 100.

Advantages

  • Term life to age 100 instead of traditional term lengths such as 20 or 30 year term.
  • Fastest approval times with Instant Issue
  • Tobacco rates are same as Non Tobacco
  • Riders available for children and grandchildren

 Disadvantages

  • Priced higher, however – Coverage is to age 100 and must be factored accordingly
  • Maximum death benefit is lower than many of its competitors

5star non medical exam life insurance 5Star – Additional Information

5Star’s application has only a few qualifying questions that must be answered with a “No”. These questions are:

  1. Has any Applicant tested positive for exposure to the HIV infection or been
    diagnosed as having ARC or AIDS caused by the HIV infection or other sickness
    or condition derived from such infection?
  2. Has any Applicant ever applied for and been rejected for life insurance?
  3. Has any Applicant been hospitalized in the past 90 days?
  4. In the past 5 years, has any Applicant been hospitalized for, been diagnosed or treated
    by a licensed member of the medical profession or taken prescription medication for:
  5.  Angina, heart attack, stroke, heart bypass surgery, angioplasty, coronary
    artery stenting, or coronary artery disease?
  6.  Any form of cancer to include leukemia or Hodgkin’s Disease
    (excluding non-invasive, non-melanoma skin cancer)?
  7. Chronic obstructive pulmonary disease (COPD), emphysema, or any other
    chronic respiratory disorder, excluding asthma?
  8. Alcoholism or drug or alcohol abuse, cirrhosis, hepatitis, or any other
    disease of the liver?

Read our full review of 5Star Life Insurance


Michael Quinn

Michael Quinn is the founder of LifeInsuranceBlog. If you have specific questions or face challenges getting coverage. Please email or call me a call at 888-411-1329 - Either way, I'm happy to help you.

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