No Exam Life Insurance

What Is No Medical Exam life Insurance?

No Physical Exam Life Insurance can be approved up to $550,000 without the need for an exam or a nurse visiting you and requires that very few questions be answered. The approval Process is usually very fast (most times within 72 hours.) It will cover your new or existing loan from catastrophe due to premature death. You can even add a 100% return of premium rider. This plan is backed by a high rated insurance company - Fidelity Life Insurance Company - established in 1897!

IMPORTANT: DON'T RISK HURTING YOUR MIB RECORDS BECAUSE SOME COMPANY GAVE YOU UNACHIEVABLE SUPER LOW RATES. No Physical Exam LIFE INSURANCE IS PERFECT FOR MORTGAGES AND OTHER LOANS, THE APPROVAL IS SIMPLE AND RATES ARE GREAT.

Although the quotes for No Physical Exam insurance may come out higher than for a full exam plan, often the final approved rates will be same or better with the No Physical Exam plans. Why? you may ask. Simply because quotes mean nothing until after the policy has been approved. It is very rare that individuals end up being approved for the super low rate full exam life insurance. On the contrary, the end result for full exam life insurance often end up being higher rates and a bad record may end up on your MIB (Medical Information Bureau.)

No Physical Exam Life Insurance is What We Do!

As you may already know there are several types of plans available for No Physical Exam life insurance. The two

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major advantages of No Physical Exam life insurance are its speed of approval and its simplicity of application. Also, since it is No Physical Exam, there is no worry that some medical issue will be discovered because of a blood, urine test or any other test often required by full exam plans (EKG, Dr. Exam, HBP Test...)

Plans Available For No Physical Exam Life Insurance

By preference, one should try to get approved for standard No Physical Exam life insurance plan first. Standard meaning that the No Physical Exam life insurance plan should not be an accidental life insurance only or a graded life insurance plan.

Below Are Links To The Various Plans Available

The No Physical Exam life insurance plans below have been selected from top rated companies. No Physical Exam term life is the cheapest plan.

Plan Name - All Are No Physical Exam	Link	Maximum Available	Average Approval Time
Term Life Insurance No Physical Exam (Note: we use multiple No Medical Exam insurance companies to meet your needs)	Click Here	$750,000	1 - 3 days
Graded Term Life Insurance No Physical Exam	Click Here	$250,000	1 - 3 days
Graded Whole Life Insurance No Physical Exam	Click Here	$250,000	1 - 3 days
Accidental Only Life Insurance No Physical Exam	Click Here	$250,000	1 - 2 days
Children Life Insurance No Physical Exam	Click Here	$100,000+	3 - 8 days
Smokers/Tobacco Users Life Insurance No Physical Exam	Click Here	$750,000	1 - 3 days
Group/Small Business Life Insurance No Physical Exam	Click Here	Per Case	1 - 3 days
Direct Online Life Insurance (Multiple Companies used) No Physical Exam	Click Here	$500,000	0 - 2 days

How Can We Offer Large Amounts Of No Physical Exam Life Insurance?

It is actually very simple. We have made arrangements with several No Physical Exam life insurance companies who have agreed to offer you their benefit irregardless of where else you are applying for No Physical Exam medical life insurance. In other words, if you request $500,000 in No Physical Exam medical life insurance we combine companies to give you what you need. One company may be for $300,000 in no medical exam life insurance and another would supplement your need for $200,000 in No Physical Exam life insurance. Please note that insurance companies still reserve the right to refuse the approval of additional insurance based on their own criteria. That has not happened yet though!

With No Medical Exam Life Insurance, Does The Insurer Check Your Medical Records?

Most, no medical exam life insurance DO NOT check medical records. Some may check MIB hits and pharmacy reports that are on record. MIB will tell them if you have been declined for life insurance. If you have been declined your next best two choices are Graded No Physical Exam Life Insurance and Impaired Risk Full Exam Life Insurance.

In The News!

Brochure Fidelity Life No Physical Exam Life Insurance Rapid Term Life Insurance
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Application Fidelity Life No Physical Exam Life Insurance Rapid Term Life Insurance
Application RBC Life No Physical Exam Life Insurance Express Tem