No Medical Exam Life Insurance in Florida

No Medical Exam required
Often a fast and easy way to get Life Insurance coverage
Can provide larger death benefits – as much as $350,000 in some cases

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How do I know if No Medical Term Life Insurance is right for me?

Don’t mind paying a bit more to skip the needles?
If so, then No Medical Term Life insurance could be the right life insurance coverage for you. Giving you the same benefits as a standard Term Life Insurance policy, this product typically requires no medical exam – just the answers to a few health questions.

Key features:

No medical exam prior to coverage

Beneficial if you don’t have time to fit in a medical exam

Processing delays are generally reduced with no medical to check

Requires completion of a medical questionnaire

Coverage runs for a specified term – typically one or more years

Death benefit payable only if you die during the coverage term

No payment should you outlive the coverage period

Usually no cash value attached

No Medical Term Life Insurance does not routinely require a drugs test, urine analysis or blood work. Your suitability for this coverage is determined by the answers you give on the medical questionnaire.

Typically the cost of this policy is higher than that of a standard Term Life policy (which may require a medical exam) and there is always the possibility that you may not be eligible depending on your age, health and lifestyle. The policy is still underwritten by the insurer in the same way as other types of life insurance coverage and any appropriate riders, provisions or restrictions will be added.

The benefit amount for a No Medical Term Life policy is generally fixed and will be payable (upon your death) during the period of coverage only. If you outlive the coverage period, then there is no benefit payable.

If you do not want to undergo any intrusive medical testing and you need coverage fast, then No Medical Term Life Insurance could be a great option for you.