There are a number of large insurance companies out there that provide individuals with life insurance cover without performing medical examinations on them. Click to get a quote with one of these today. They include…
AAA Life Insurance Company
The AAA Life Insurance Company not only provides life insurance cover but also annuity products as well. Based out of Livonia, Michigan, the company has more than 1,300,000 active policies within the United States alone, providing financial support to loved ones and those left behind in the case of death. Boasting an A. M. Best rating of A Excellent, this goes to show that the company is not only strong now but is in a positive position for the future.
Their insurance policies cover individuals between the ages of 18 and 75 years old and coverage amounts vary between roughly $25,000 and $250,000. They offer both 25 and 30 year terms, which is life long coverage for some certain individuals. For both tobacco users and none users there are different rates and to submit the application all you need to do is enter an esignature and not an actual wet one. There is no waiting time once this has been done and you are instantly provided with the outcome. This is thanks to the accelerated underwriting process involved. However, the company is unable to provide cover to anyone that lives within the state of New York.
A full service insurance company that provides life time cover without the need for a medical exam, Sagicor Now works with customers to ensure that the financial decisions that they make right now, protect them tomorrow and further into the future. They have an A. M. Best rating of A – Excellent and are completely owned by the larger Sagicor Financial Corporation Limited., which has a history of more than 175 years. The company is committed to providing customers with an exceptional level of service that is backed by a high level of value and integrity.
Sagicor Now provides no medical exam required life insurance to individuals between the ages of 18 and 65 years. The amount that their policies cover ranges from $50,000 at the bottom end and $1,000,000 at the top end. The service is available in some 23 different states and they even provide different rates depending on whether or not you consume tobacco products, such as cigarettes. With the entire application process being done online, you are fine providing only an esignature. Thanks to the accelerated underwriting process that the company uses, you are instantly provided with a quote, there is no waiting round.
Backed by the company Assurity Life, Ethos is brand new to the world of life insurance. This company was formed more than 120 years ago and possesses an Excellent A rating with the ratings company A. M. Best. Because Ethos only uses agents that are on salaries it means that their customers get the best possible experience. Customers also have the option to pay for the insurance policy via a monthly bank draft or by credit card.
Ethos provide cover to any individual that is ages between 18 years and 75 years old, regardless of whether they inhale tobacco products or not. The range of coverage that they offer is between $25,000 and $10,000,000, although with no physical medical examination, the maximum is just $1,000,000. Because the entire process of getting insurance is done online you are able to provide an electronic signature on the paperwork rather than a wet one. With the underwriting process being accelerated, there is no waiting period once you have submitted your application and instead you are provided with instant feedback.
Fairly new to the world of life insurance, Bestow comes backed by the well known North American Company for Life and Health Insurance. This company has been around for more than 100 years and with the ratings company A. M. Best holds an A + Superior rating. Bestow provides insurance policies that are smart, convenient, and best of all, affordable. Taking out insurance with the company is a quick and straightforward process that can be done by pretty much anyone, providing that they are between 21 and 55 years of age.
The maximum amount of coverage that they offer their customers is $1,000,000 but is not available in New York state. They provide different rates for both smokers and none smokers and only require an esignature from yourself during the application process. Thanks to the accelerated underwriting process that they use, it means there is no waiting around to hear whether your application has been successful or not. They also offer a shorter 2 year term option for those individuals interested in a policy that is not as long.
So as you can see, there are a number of big insurance companies out there that will provide you with life insurance without the need to complete a physical medical examination. However, what you need to be aware of is that because of this fact, you are likely to pay a premium on your rates in comparison to an insurance policy where you do have a medical exam. This means that for those individuals who are on a tight budget and not in a good place financially, they may want to use the more traditional method of obtaining life insurance cover.
For those who can afford it, none medical examination required life insurance provides you with the ability to quickly obtain cover, as there is no need to wait the typical 30 days in order to get an answer. Here you can get instant approval and you are able to make payment straight away so that you can begin with being fully protected. The entire process of getting insurance is done online; you are able to provide an electronic signature on the paperwork rather than a wet one. With the underwriting process being accelerated, there is no waiting period once you have submitted your application and instead you are provided with instant feedback.