term life insurance over 50 no medical exam

New families often turn to life insurance to cover their needs. They want their spouse and kids to live the lifestyle they are used to.

Without health information, it's hard for insurance companies to assess your lifestyle and health. A higher premium offsets the higher risk that they take in offering insurance without a thorough health exam. A typical policy for life with a lower premium may be available if you have a manageable medical condition. Before you get life insurance without a medical exam, shop around and compare life insurance quotes.

Many companies selling no medical life insurance will offer only $250,000 or less.

For a simplified issue policy, you will need to complete a questionnaire about your health and medical history. Access to your medical records will be required. The answers to your questionnaire as well as any medical records will suffice.

Many Americans are too busy to schedule a medical exam. It can be tedious and time-consuming.

A simplified policy will require you to answer detailed questions about your health, family history, and medical history. You will also need access to your records from the past. You do not need to take a medical examination. Only the answers to your questionnaire, and any other medical records, are required.