Life Insurance With No Physical Exam

Many people don't want to go through the hassle of a life insurance physical and some people want nothing to do with needles. The good news is that you can still get life insurance coverage without a physical examination. No physical life insurance is fast, easy, and a great alternative to traditionally underwritten life insurance coverage.

Insurance companies want to make sure you are healthy before they issue you a life insurance policy. In most cases, the life insurance company will require an applicant to go through a medical exam to check height, weight, blood pressure, cholesterol, and other health measurements. For people who are generally healthy, they can bypass this medical exam and simply answer a few questions on a life insurance application about their health history.

The insurance company will ask you about medications your currently take, current and past diagnosed problems, your family's health history, your height and weight, any hazardous sports or activities you might participate in, and even your driving history.

Even though there is no medical exam, the life insurance application still goes through underwriting because companies know that not everyone will be truthful on their application. The answers you gave on your application will be checked to make sure they match information that is available through prescription databases, the Medical Information Bureau, and your driving record.

Get a free no obligation quote for life insurance without no physical. Compare dozens of rates from the top carriers.