Weâre experienced in matching our clients to the right company for their needs, at the best price possible. Life insurance for seniors with no health questions is a necessity for pretty much everyone. Many people assume youâll always be asked to have a checkup before you can get insurance â but in fact there are some situations in which you can get protected without a medical. Others may assume they wonât be able to obtain aï¬ordable coverage because of their health and donât even bother going through with the exam. Guaranteed Acceptance Life Insurance in New Zealand is a simple life insurance policy, where you might need to answer a few health questions, without the hassle of a medical examâ¦ Policies are based on age, health, and how much the death benefit will be so that means each policy is different. No Health Questions, and No Medical Exams are required. The next step is a no medical exam policy but they ask questions and check your records. Guaranteed issue whole life insurance meets the needs of people with health conditions that would preclude the issuance of a more traditional term or whole life policy. Life Insurance is a viable modern day option. How to Choose Term Life Insurance Without Medical Test. Keep your coverage even if your health changes, as long as you pay your premiums on time. Their main attraction is that they are offered on a no-questions-asked basis â that is, youâre covered for life, or until you stop paying premiums. Donât Like Medical Tests. Try this amazing 100 Question - Nc Health Insurance Practice Exam quiz which has been attempted 1404 times by avid quiz takers. A life insurance company not requiring a medical exam can get you approved for a policy faster. Letâs learn â¦ Health Questions on the Application . You are guaranteed coverage regardless of what might have developed in your health picture. Compare policies up to $1,000,000 in coverage without taking a medical exam. If you're healthy, there are some companies that will waive the medical exam entirely for certain types of life insurance. No medical life insurance with issue times as quick as one day. Choose Guaranteed Whole Life Coverage without Health Questions for Simplicity Apply for coverage without taking any doctorâs exam or answering any health questions. Many life insurance rates are dictated in part by health, and many applicants can end up faced with more expensive policies based on medical exam results during the insurance underwriting process. Getting a quote is the fastest, easiest way to find out what your costs will beâwith or without a medical exam. You hate needles (or doctors). The life insurance medical exam is the opportunity for your life insurance company to review your medical history and basic information that was used to make your life insurance application. Lastly, this type of life insurance is for all people who dislike the idea of undergoing a medical exam to buy a policy. This is permanent, whole life coverage with no health questions asked and no required physicals. So, take your time and shop around find which term insurance plans come without medical examination. If such a medical condition gives them a hard time to buy a usual life insurance that requires a medical exam, then this policy that waives such a requirement is the best alternative option. The life insurance medical exam will usually be performed by a qualified medical professional like a â¦ Itâs called a Graded Death Benefit, and itâs how life insurance companies can offer individuals a life insurance policy without requiring a medical exam or asking any health questions and remain in business (and be profitable). Simplified issue life insurance policies are still no exam life insurance policies, but are a step up from guaranteed issue policies in terms of the underwriting process.. Medical questions are asked, and background checks are done to assure that you are who you say you are, and the company can properly assess risk.