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Health status: While no medical exam is required, insurers may still ask health-related questions and check medical records. Generally, healthier individuals are more likely to qualify.
Mutual of Omaha: Mutual of Omaha offers guaranteed issue whole life insurance that does not require a medical exam or health questions. This type of policy is particularly geared towards covering ...
Of course, guaranteed life insurance is not the only option for policy seekers with health complications that make them high-risk for term life insurance providers. The following policy types may ...
Many term life policies let you switch to permanent coverage, like whole life or universal life, without undergoing a medical exam. Your conversion window won’t stay open forever, so grab your ...
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.
Term life insurance: Term life insurance is generally the cheapest kind of life insurance. It provides coverage over a specific term period, usually between 10 and 30 years.
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