Comparisonsmaster
Best No-Medical-Check Life Insurance Plans for Seniors
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Take the stress out of doing all those medical tests and opt for a no medical life insurance policy today!
Simplified issue life insurance does not need a doctor’s check-up, however it may include a health questionnaire. You’ll be asked questions about yourself when you apply for simple issue life insurance, including if you’ve been diagnosed with any major conditions. Whole life and term plans are available with simplified issue life insurance.
Guaranteed issue life insurance does not need a medical exam or questionnaire, but you will be restricted to a significantly lesser amount of coverage—often under $25,000 for non-accidental death. If you die during the first two years of owning a guaranteed issue insurance, your beneficiary will only get a pay-out equal to the premiums you’ve paid. When you get guaranteed issue life insurance, your coverage usually lasts as long as you keep paying your premiums. Take a look at these fantastic plans for No Medical Check Life Insurance for Seniors and get that cover for you and your loved ones.
Take the stress out of doing all those medical tests and opt for a no medical life insurance policy today!
Simplified issue life insurance does not need a doctor’s check-up, however it may include a health questionnaire. You’ll be asked questions about yourself when you apply for simple issue life insurance, including if you’ve been diagnosed with any major conditions. Whole life and term plans are available with simplified issue life insurance.
Guaranteed issue life insurance does not need a medical exam or questionnaire, but you will be restricted to a significantly lesser amount of coverage—often under $25,000 for non-accidental death. If you die during the first two years of owning a guaranteed issue insurance, your beneficiary will only get a pay-out equal to the premiums you’ve paid. When you get guaranteed issue life insurance, your coverage usually lasts as long as you keep paying your premiums. Take a look at these fantastic plans for No Medical Check Life Insurance for Seniors and get that cover for you and your loved ones.
Haven Life – An Excellent Term Life Insurance Option For Seniors to Apply for and Manage Online!
Haven Simple is a no-medical-examination term life insurance policy from Haven Life. It is offered in terms of five to twenty years and gives coverage ranging from $25,000 to $500,000. If you’re 20 to 55 years old, you could be eligible. California, Delaware, North and South Dakota, and New York are among the states where Haven Simple isn’t available.
Haven also offers Haven Term, a second-term insurance that may be applied for online, however certain candidates may be required to attend a medical test. Haven Term offers just three riders: Haven Life Plus, Accelerated Death Benefit, and Premium Waiver. Haven Life sells policies from MassMutual or C.M. Life Insurance Company, a MassMutual affiliate.
Bestow – A Solid Choice If You’re A Senior Looking for Affordable Term Life Insurance.
Bestow insurance are available to those aged 18 to 60, with terms ranging from 10, 15, 20, 25, or 30 years. The full application procedure is completed online. During the application process, Bestow will look at your driving records, medication history, credit file, and any past efforts to purchase insurance instead of a medical test.
The current coverage levels offered by Bestow are on the low end, beginning at $50,000 and maximum at $1,500,000. There are currently no riders available. If you desire larger limits or to supplement your current coverage, you might consider switching to a different plan.
If you’re looking for term life insurance and you’re under 60 years old and don’t require a lot of coverage, Bestow is a good option. Bestow has a 30-day money-back guarantee, and you’ll get a full refund if you don’t like it.
State Farm Life Insurance – Flexible Insurance for Seniors without Medical Checks.
The firm provides a wide range of term, whole, and universal life insurance products, allowing prospective clients to get coverage that suits their specific requirements and, in most instances, modify policies via riders. State Farm also provides “survivorship universal life insurance,” which is offered by just roughly half of the businesses in our ranking.
An example monthly premium is $62.19 for $1 million in cover. This offer is a 20-year term policy for a non-smoking, 35 – 60 year old applicant with average health. State Farm came in fourth place among the cheapest insurance providers for their Term Life Plans. Additionally, Premiums may be paid online, through automatic billing, mail, or in person. Except for Massachusetts and Rhode Island, State Farm Life Insurance is now accessible in all states across the USA.
John Hancock – Providing No Medical Life Insurance For Seniors to the Age of 80!
Boston-based John Hancock has an A+ credit rating from AM Best, an independent credit rating service. Only the final-expense policy does not need qualified candidates to have a medical test, despite the fact that the insurer provides a variety of life insurance plans.
John Hancock’s Final Expense insurance is a whole life insurance policy with coverage options ranging from $2,000 to $20,000. If you’re between the ages of 55 and 80, you may apply. One of the great features of this policy is that it will continue to build in value as it is permanent in length.
In addition to term and universal life insurance, John Hancock also provides variable and indexed universal life insurance. Its term life plans, which provide comprehensive coverage up to $65 million, stand out among other businesses.
