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  • Best No-Exam Life Insurance Companies of 2025 | U. S. News
    Policy Types: Term life, whole life, universal life Coverage Amounts: Unlimited coverage for the convertible term policy, $250,000 to $1 5 million for the non-convertible term policy, and $10,000
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    No exam whole life insurance; Builds cash value; Minimum Coverage: $2,000; Maximum Coverage: Up to $40,000; Eligibility: 45-85 years old; Term Life Express Terms Available: 10, 15, 20 and 30 year; What is a “No exam life insurance policy”? A no-exam life insurance policy, also known as a simplified issue or guaranteed issue life
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    Lemonade: Best for long terms Lincoln Financial: Best for convertible term insurance Protective Life: Best for simplified issue whole life Not all life insurance policies require a medical exam
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    Maximum age eligible for no-exam (5% of score): Companies offering no-exam life insurance to buyers age 60 and older earned points Source: Pinney Insurance Helping You Make Smart Insurance
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    Our Criteria for Top Companies We selected the best no-exam life insurance companies based on three key criteria: Accelerated Automated Underwriting: Companies must offer fast, technology-driven underwriting processes Flexible Policy Options: Policies should include convertible term or cash value accumulation for long-term value High Financial Ratings: Insurers must have strong ratings from
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    Get whole life insurance with no exam or medical testing from AAA Life Apply today and receive up to $75,000 in permanent life insurance protection You want a policy that will accumulate cash value over time 1; EXPLORE OUR OTHER OPTIONS IF: You need more than $25,000 in permanent coverage
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    Compare the best life insurance companies for policies that don’t require a medical exam We evaluated coverage options, customer satisfaction, financial strength, and more Expert-rated picks
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    No Medical Exam: Ideal for those afraid of failing a health test or have complex health histories Cash Value: The policy can provide liquidity via loans if cash flow is needed Accidental Coverage: 100% coverage for accidental death from start of your policy Limitations to Guaranteed Life Insurance Plans
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    Guaranteed Life Insurance from Gerber Life is a whole life insurance policy for adults ages 50 and above that does not require a medical exam or ask health questions – your acceptance is guaranteed regardless of health 1 Plus our Guaranteed Life Insurance builds cash value over time that you can borrow against if you need help with
  • Life Insurance With No Medical Exam and No Waiting Period - Fidelity Life
    Find life insurance without the exam or wait If you want a life insurance policy without the hassle of a medical exam or a long waiting period, you have options To learn more about no-exam, no-waiting period life insurance, speak with a trusted licensed insurance agent or get started online with a quote





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