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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.
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.
It lets you turn part or all of your term coverage into a permanent policy, like whole life or universal life insurance, without having to go through another medical exam. That means any changes ...
If you’ve been denied traditional life insurance (term life, whole life, etc.), guaranteed issue may be an option — no health questionnaires, no medical exams, just straightforward coverage ...
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.
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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