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Companies that offer life insurance with no exam is what you need to look for if you want to avoid a medical exam. There are companies that offer the same quality of insurance as the companies that require a physical, medical Exam. Their usual advertisement line is you only need  to answer “few health questions” and as long as you qualify, you can get the life insurance coverage without insurance agents visiting you at your home and getting stuck by needles.

Since these companies will allow you to get life insurance with no exam, they have their different policies and they require a certain standard of health to be met before they insure those who don’t want to take the physical exam. Most of these companies will review your medical history, driving and pharmacy records prior to approval.  The coverage for those who opt out of a medical exam may also  be  limited.

You should know when the insurer sees that there are some pre existing conditions such as high blood pressure or other health complications, they would normally provide a premium. If there’s a higher risk on their end, they will most likely require some testing.

Here’s a list of some companies who offers life and term life insurance with no exam :

• HSBC
• GLOBE LIFE
• RBC Insurance/ Liberty life
• Fidelity life
• Guarantee trust life

If you know other companies who offer Life insurance with no exam, Feel free to comment to this post and let us and our readers know.