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Life & Car Insurance No Exam 2022

While standard life insurance requires a medical exam and takes a long time to underwrite your application, no exam life insurance or no medical exam

While standard life insurance requires a medical exam and takes a long time to underwrite your application, no exam life insurance or no medical exam life insurance can be completed much more quickly.

Standard life insurance policies generally require a medical exam, while no-exam policies are term life insurance policies without a medical exam. No exam life insurance is a great option for people who don't have time to see the doctor, hate needles, or just need life insurance quickly. no waiting time.


What Are Popular No Exam Life Insurance Policies?


Simplified Issue

With this type of policy, the insurance company can request medical records from your doctor and possibly a phone interview, but  skip the actual exam. much quicker than a traditional policy and if you are in relatively good physical condition this is a good option


Final Expense

With this type of policy, the insurance company may request medical records from your doctor and perhaps a phone interview, but you can skip the actual exam. Because there is some underwriting involved, approval isn’t always instant or guaranteed. However, it is much quicker than a traditional policy, and if you’re in relatively good physical health, this is a good option.

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Guaranteed Issue

With this type of policy, no underwriting is required and the insurance company will not request any information from you. Of course, this convenience usually comes with a higher price tag. However, if you're applying for life insurance without a GI exam, whether  because you need life insurance quickly or don't have time to see a doctor, the price is probably worth it. That way, you know you're covered and can have peace of mind.


Graded Death Benefit

Similar to the guaranteed edition, only here you will be asked some questions about your health. Then payment of the death benefit is qualified. Usually it's something like: 

  • Death in first year = 25% of death benefit paid 
  • Death in second year = 50% paid 
  • Death in year 3 and beyond = 100% paid

The exact conditions depend of course on the chosen policy. The advantage of this over-guaranteed edition is that it is generally cheaper and offers a higher level of coverage.

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Who Should Get No Exam Life Insurance ?


Exam-free or No exam life insurance is ideal for people who need life insurance quickly (approval can take a few days!), don't have time to see a doctor, or  hate needles. It's also good for people who don't get the best rates with traditional life insurance. This is life insurance without an examination and with  immediate coverage.


Approval is Fast and Easy

Depending on the type of policy that does not require an examination, approval is guaranteed or at least much easier to grant than with conventional life insurance policies. People with different health conditions can be admitted within a few days. There is little or no underwriting  when calculating premiums

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Approval for Most

While anyone requesting a Guaranteed Issues policy will be approved,  not everyone will be approved for other policies. If you are in good health and  financial condition, approval is usually guaranteed. in any direction if you have  filed for bankruptcy or if you suffer from certain medical conditions.


How to Find the Best Deal? 

No exam life insurance may be more expensive than conventional life insurance, but it doesn't have to be. If you are in good health and don't have any serious financial problems, you can find a great policy for yourself in minutes. without additional costs. How you do that? This is where Sproutt comes in. As an insurance aggregator, Sproutt searches the internet for the best  life insurance deals.

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How to Get a Quote? 

Sproutt Insurance Advisors are available to help you decide what type of life insurance is best for you. Just answer a few questions and we'll find the most affordable plan for your lifestyle, needs, and budget.


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