Life Insurance with No Physical Exam

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! 

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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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