100k life insurance no medical exam

Life insurance is something you need to consider as you grow older. Your kids are probably adults now and can live their own lives. This means they no longer depend on you for financial support. You may have paid off your mortgage and other debts. Many people over 50 consider life insurance differently than in their 20s and 30, which is why they are more open to it.

A majority of life insurance policies require a medical examination, including term life insurance. This allows the insurance company to accurately assess your risk and determine your premium. Life insurance may be out of reach for you if your medical condition is severe.

Many Americans are just too busy to schedule a medical examination. It can be time-consuming, and it can be frustrating.

For a simplified issue policy you will be required to fill out a detailed questionnaire about yourself and your family. You will also be asked to access your past medical records. There is no need to have a medical exam. The only thing you will need to do is answer your questionnaire and access to your medical records.