No medical Exam Life Insurance

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Our Graded Plans Allow Almost Anyone to Get Life Insurance

If you have been told that you cannot get life insurance, that may not be so. We have found that, actually, 97% of people who apply can get approved for life insurance. Though our No Exam Life insurance process, we have made it very simple. All that is needed is a simple application. Best of all, most health conditions are accepted.

Why Graded Life Insurance?

No Exam Life insurance Graded was created to satisfy the needs of people who did not have a "so perfect health history" and, at the same time, did not want to go though the bother of applying for a full exam life insurance. Some of the concerns we noted from people who did not want to apply for a full medical exam life insurance, were fear of being turned down after all the wait for approval, discovering through the medical exam other issues that were not acceptable to the insurance companies, approval rates that ended up being higher than with a no exam plan and the need to order medical records.

Two Most Popular Graded Life Insurance Plans

1/ No Exam Graded Term Life Insurance. This plan offers guaranteed rates for 10 years and then increases over time

2/ No Exam Graded Whole Life Insurance. This plan offers guaranteed long term premium and cash value benefits. It is priced higher but offers many popular benefits

Both plans above, in most states, offer immediate accidental coverage and double indemnity.

An Option to Graded Life Insurance No Medical Exam

For people who do not want a graded plan, we also have a level, immediate life insurance pan. Our popular accident only life insurance plan. This plans asks no medical questions and approval takes as little as one day.

As always, please make sure to ask as many questions as you need to. Thank you!

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