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Obtaining life insurance can feel like a complicated process, especially if the thought of a medical exam puts you off. The good news is you don’t always need an exam to get covered.
Life insurance companies prefer to cover the healthiest, youngest people, offering them the lowest rates. Traditional policies usually require a medical exam, a detailed questionnaire, and ...
(Learn more about best life insurance companies.) To qualify for a life insurance policy, you’ll typically need to apply online and provide personal health information, including: Your age. Your job
Unlike other options, guaranteed life insurance, a form of whole life insurance, bypasses the need for a medical exam for approval. Guaranteed life insurance offers a number of unique characteristics.
However, you may be eligible for life insurance without a medical exam. If you are facing severe health risks, you could even opt for guaranteed-issue life insurance. These options may be more ...
This type of permanent life insurance provides a small death benefit — usually no more than $25,000 — and generally doesn’t require a medical exam for approval.
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