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No-Medical Life Insurance

Quick Coverage Without a Medical Exam

What is No-Medical / Simplified Life Insurance?

These policies provide life insurance without a full medical exam, using questionnaires and limited checks for
approval. It’s ideal for quick coverage or individuals with health concerns

How It Works:

  • Approval is based on a health questionnaire and limited medical history
  • Coverage is usually smaller amounts than traditional policies
  • Often higher premiums due to simplified underwriting risk

Tips / Things to Watch For:

Higher premiums than fully underwritten policies

Exclusions may apply for serious pre-existing conditions

Maximum coverage limits are lower

Monitoring and Adaptation

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FAQs:

How fast is coverage issued?

Usually within 1–3 business days

Are there limits on coverage?

Yes, often $250,000–$500,000 max depending on insurer.

Can I convert to traditional coverage later?

Some policies allow conversion to fully underwritten plans

Who It's For:

  • People needing fast approval
  • Those unable or unwilling to complete full medical underwriting
  • Moderate coverage needs

Benefits:

  • Quick coverage — often approved in 24–72 hours
  • Convenient application process
  • Good option for older adults or those with minor health issues