Individuals ages 50 - 85 looking for guaranteed acceptance permanent protection with a budget-friendly fixed premium payment. Fidelity strictly offers no exam term life insurance. No complicated processes to wade through. For more info, read our breakdown of Foresters No Exam Term Life Insurance. You can get life insurance with no medical exam. AIG offers a very unique term life insurance policy called Select-a-Term, which allows policyholders to choose the term period of the policy themselves. An affordable life insurance option made simple - no medical exam, no health questions, and acceptance is guaranteed between the ages of 50 - 80. A simplified issue term life insurance policy is what most people are thinking about when they say they are looking for a life insurance policy with no physical. AIG Term Life Insurance Review. The tax free benefits can help with final expenses. Some providers that use accelerated underwriting—such as Bestow, Fabric, Haven Life and Jenny Life—can offer instant term life insurance approval with no medical exam, especially to … Bestow is 1 of the top life insurance agencies that does not require a medical exam. Some traditional life insurance policies require an applicant to undergo a physical examination performed by a medical professional, and the results of that test can play a major role in calculating policy rates or even in approving coverage at all. If that’s appealing to you, make sure you understand how these policies work and the trade-offs they sometimes involve. In this article, I’ll explain the different types of life insurance that don’t require a medical exam and provide examples of companies that sell each kind of policy. As time goes on, policyholders may need more coverage, or they might decide a policy with a cash value makes more sense. It's because this policy doesn't request a medical exam, nor does it require doctor records and most of the time no telephone interview; the underwriting requirements look like this: Unlike other insurance companies that offer term life policies with fixed time periods, AIG offers a significant deal of flexibility with respect to the term period. Join thousands who turn to AIG Direct every month for life insurance quotes and information about options to help protect their families’ financial future. American Amicable Life Insurance Company of Texas specializes in no physical life insurance. 40-year-old male at Standard health class - pricing per month ; Coverage Amount 20 year 25 Year 30 year; $50,000: $17.94: $22.49: $26.34: $100,000: $29.75: $38.85: $46.55: $250,000: 2. This option allows people to convert their term life policy into a permanent life insurance policy, without a medical exam or the need to prove insurability. No medical exam. Depending on the type of life insurance policy you choose, you can buy up to a $250,000 death benefit—or more, if you decide you don’t mind taking the exam after all. They offer both a Rapid Decision Express No Medical Exam Life Insurance and Rapid Decision Senior Term Life Insurance. You can buy term, whole, or universal life insurance without taking a medical exam. An affordable life insurance option made simple - no medical exam, no health questions, and acceptance is guaranteed between the ages of 50 - 85. One reason why some may avoid purchasing life insurance is because they don’t want to take part in a medical exam. For term life insurance, get reliable quotes from AIG Direct by filling out the life insurance quote request form on this page. Best for Quick Coverage: Bestow. You can also use our online quote to get started and then talk to a State Farm ® agent to complete your application. Sample No Medical Exam Term Rates - Foresters. 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