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No Medical Exam

Term Life Plans

  • 18-60 Age Issue
  • Up to $350K Term Life Amount
  • Apply online – Decisions in about 10 minutes

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Disability Insurance

High Limit Plans

  • Medical / Legal professions
  • Executive Plans
  • Self Employed

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Plans for Seniors

No Medical Exam Plans

  • Ages 50+
  • Burial / Final Expense Plans – No Medical Exams
  • Guaranteed Issue Plans

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Life Insurance provides peace of mind, while you live your life to the fullest.

Life Insurance in 10 Minutes or Less!

Term Life InsuranceNo Medical Exam Plans Full Medical Term Life and Whole Life (Permanent insurance), Final Expense / Burial Insurance Plans. If you are in good general health you can, if you wish ,  run and apply for a Full Medical Term Life or Whole Life Policy with limited agent interaction. Follow this link:  Apply Now. High Risk Life Insurance – Those with Health impairments such as  Type 1 or Type 2 diabetics  or those in High Risk Activities. More Information Specialized PolicesPension Sales, SBA Loans, International Term Life , Key Man Insurance  , Accidental Death Insurance. Life Insurance for Seniors - Life Insurance for Seniors can I have one major goal: Find the perfect solution for your Life Insurance needs. As a life insurance consultant I can provide a customized solution to fit your current financial plan You need expert advise and you are in the right place. I am a FULL SERVICE, because you make one call to me and I will handle everything. Call me at 1-800-530-9134 or fill out my contact request form._____________________________

No Medical Exam Life Insurance Quotes

  Here are a few reasons why you may want to consider No Medical Exam Life Insurance Quotes. 1. If you need immediate coverage and you cannot wait the 4-6 Weeks needed for a fully underwritten policy. 2. Perhaps you are Younger and healthy ( If you do have some health problems, I also have a few No Medical Exam carriers that can offer coverage)

3. You hate medical exams – needles etc. 111111111111111Term Life Insurance with no medical exam11111111111

Immediate Coverage: Some people need to have a policy immediately in place. I find this to be the case for those that are applying for loans. Loans may be mortgage or SBA Loans and the lender may require you to have a Term Life Policy in place prior to funding the loan. Young and Healthy: Rates for young people can be very affordable. Immediate coverage and no medical exams are some of the reasons that young people may want to consider a No Medical Exam Life Insurance.

I use Tobacco , can I still get a No Exam Life Insurance Policy:

Yes you can. Although, as you will probably conclude, the rates will be higher.

I occasionally smoke Marijuana , can I get a No Medical Exam Policy:

If you smoke Marijuana  , No Medical Exam carriers will classify this as illegal drug use. This does not mean you cannot qualify for a policy, you can , but it would have to be a full medically underwritten plan. Click HERE for more information.

Can I get a No Medical Exam  or any Life Insurance Policy without a Social Security Number?

No , you must have a social security number to apply for any life insurance policy. Hate Medical Exams: If you know you are healthy and simply don’t want to take an exam, the No Exam Life Insurance plans  are a product that is perfect for you. The insurance companies will ask you questions on the application and  you should be able to answer No to the various questions. ( I review all questions prior to applying). The carrier will check the MIB ( Medical Information Base), Pharmacy Check along with a Driver history check. Here is a typical list of questions: Customer must answer “NO” to these questions. ( You must be a legal US Resident and have resided in the US for more than 2 years and you must have a valid US issued Drivers License) ❍ Have you been diagnosed as having AIDS (Acquired Immunodeficiency Syndrome) or ARC (AIDS Related Complex) or tested positive for HIV (Human Immunodeficiency Virus)? ❍ Are you waiting for a diagnosis or have you been advised to have a surgical operation, diagnostic test or medical or mental evaluation that has not yet been completed? ❍ Have you requested or received any Worker’s Compensation or Social Security disability benefits? ❍ Do you currently take more than 2 prescription medications for pain; or do you consume, on average, more than 3 alcoholic beverages per day? ❍ In the past 10 years, have you received any treatment, medical advice or consultation for; been diagnosed with or required follow-up for: diabetes or elevated blood sugar; cancer (excluding basal cell or squamous cell carcinoma of the skin); stroke, transient ischemic attack (TIA or mini-stroke); emphysema; chronic bronchitis or chronic lung disease; major depression or anxiety that required psychiatric treatment; bipolar disease or mood disorder; schizophrenia, Alzheimer’s disease, dementia, rheumatoid arthritis, paralysis; any degenerative muscle or nerve disease or disorder; alcohol or drug abuse; OR any disease or disorder of the following:  heart, aorta, coronary arteries, peripheral vascular system, blood, liver pancreas, kidney (other than kidney stones), brain or connective tissue? ❍ In the past 2 years, have you been hospitalized or evaluated in an emergency room or immediate care center for a chronic illness requiring ongoing treatment or care by a physician; OR have you participated in any hazardous activities or extreme sports? ❍ Have you, within the past 5 years, been convicted of or pled guilty or no contest to a felony, misdemeanor, reckless driving, DUI or DWI; or been incarcerated or served in a probation or parole program or do you have criminal charges pending Give me a call today , I work with the best life insurance companies with the best Term Life Insurance Rates , all are AM Best A rated or higher.  No Medical Life Insurance. As a broker I remain independent , not married to a particular carrier and can offer you personalized life insurance information. I will work hard to get you cheap life insurance! Call me today 1-800-530-9134 M2 insurance also owns No Exam life insurance quoting web site and a Burial Insurance web site. These sites are dedicated to their own stand alone subject matter.