It is surprisingly common for people to go years without getting a medical checkup. Things happen, people get busy, and lack of health insurance can get in the way. Getting life insurance when you haven’t seen a doctor in years is available.
Life Insurance When You Haven’t Seen a Doctor in Years:
The good news is that you actually have the option of going with no medical exam life insurance if you want a life insurance policy but haven’t been to the doctor in a few years.
Or you can get a policy that requires an exam, and a nurse is sent to your home to do that, free of charge.
We work with over 60 top life insurance companies to help you get the best rates possible.
Companies like American National, Fidelity Life, and Transamerica and are just a few examples of insurance providers that offer the no medical exam life insurance option.
There are many cases that you can get approved in just one to two days.
We also work with top companies for life insurance that provide life insurance with an exam – which can often lead to better rates than no medical exam life insurance.
Some of the top providers we work with are Prudential, MetLife, Banner Life, Protective Life, and American General – just to name a few.
Options That Do Not Require an Exam
You can apply to one of several companies who will approve you with no medical exam.
They generally approve policies up to $250,000 and $500,000 (a few are even offering $1 million dollar life insurance) without a required physical exam.
However, to be approved there are still some requirements you must meet.
For example, you will need to provide information about your health history, and you will also have to at least have had a medical exam at some point in the last five years.
Be As Thorough as Possible When Answering Health Questions
Even when applying companies that don’t typically require medical exams you should still be prepared to answer questions like the following:
- Do you have a history of stroke and/or heart attack?
- Have you ever been diagnosed with cancer?
- Have you been hospitalized in the last 10 years?
- Are you currently on any medications?
Remember, being as thorough as possible will let the insurance providers know whether or not a medical exam is really necessary.
If your answers are vague or contradict one another, that can raise red flags for the people trying to get you life insurance coverage.
Keep in mind that some insurance companies may not require medical exams, but they may still require your actual medical records so that they can review your health history.
What Insurance Companies Are Looking For
In addition to your health history, insurance companies will look at a variety of things before they approve you for a life insurance policy.
For example, many will also look at your criminal history and driving records – for example being on probation, or a history of a DUI can be a decline for a no exam policy (however you can get approved for a policy with an exam with a history of DUIs).
Based on all of this information, they will decide whether or not approve you without a medical exam.
If It’s Been More than 5 Years Since You’ve Had An Exam
Unfortunately, if you’ve gone more than five years without having a medical exam, you will not qualify for no medical exam life insurance.
You will need to get a affordable life insurance that requires an exam, and this means that, yes, you will have to get a physical. There is no charge for this physical, and we send a nurse to your home to do a blood test and take a urine sample.
The good news is that if you are in great health, getting a medical exam will only help you in getting lower rates. You will also have wider coverage options with these kinds of policies.
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