Life Insurance with No Physical Exam
By Tom Poblano – If you are looking for Life insurance with no Physical Exam ,you have come to the right place!
I work with several carriers that offer Term Life Insurance and Whole Life (Permanent) Insurance with No Physical Exam.
How Much Coverage is Available?
I have one carrier that will allow , depending on your age, up to $350K of Term Life Insurance. Other Term Life carriers will generally allow up to $250K. If the amount you want is under $100K I work with a few different carriers that will offer no physical exam insurance but at a very competitive rate, as though you were applying for a fully underwritin Policy.
Whole life policies can range up to $250K. Again, I can offer certain carriers that would not require a Physical Exam.
If you would like to run a quote for a Term Life Insurance Policy only, we have a carrier that can get you approved in under 10 Minutes! That’s right you can have a policy in place , as long as you qualify , in under 10 minutes! Click the Image to start the process!
Is there a big cost difference between Fully Underwritten and No Medical Policies?
Yes, No Physical Exam Term Life Insurance policies will be higher . Sometimes twice the cost. However , if you are young and in good to excellent health the costs between a No Physical Exam and a Fully medically underwritten plan can be small.
I Understand that I can have coverage in place , very quickly , with No Physical Exam Polices, is this correct?
No physical exam policies can usually be in place in 3-10 days. Some carriers will order a APS ( Attending Physicians Statement) and this will increase the time line by 1 – 2 weeks.
How is my past and current Health status checked?
Carriers will order a MIB ( Medical Information Base) check. This database contains your past medical history. They will do a Pharmacy check to look at all prescription drugs. Lastly the will run a DMV report. You will also be filling out an application and answering questions about your current medical condition.
How do I get a quote?
That’s the easy part, Call me at 512-963-5000 or fill out my contact form. I do all quotes and applications, over the phone. There is never any hard sell or high pressure when you work with me.
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