Can I Buy Life Insurance without any Health Questions Asked?

Yes, you may be able to buy a life insurance plan without answering any questions about your health.

However, these plans are referred to as “Guaranteed Issue” graded benefit life insurance policies.

Guaranteed issue means there is no health examination, no health questions asked, and if you meet the age requirements, you are guaranteed approval for coverage. Request a free quote.

Graded benefit means you will not have full (100%) death benefits until you have been insured for at least 2 years.

That’s how the guaranteed issue insurance companies can guarantee your approval even if you have pre-existing health problems.

Here’s how to get life insurance without answering any health questions.

Life Insurance without Health Questions

Is it possible to purchase a life insurance policy without answering any questions about my health?

Yes, there are no health questions life insurance plans available.

The two basic types are accidental death life insurance and guaranteed issue life insurance.

Accidental death insurance offers you up to $1,000,000 of life insurance coverage with no health exams and no health questions asked. However, a death benefit is only paid out if you die as a result of an accident.

Guaranteed issue life insurance plans offer up to $25,000 of life insurance protection and cover natural causes, and accidental death, but you do not have full coverage until you have been insured for at least two years. But, you cannot be turned down for health reasons, if you are age 45 to 85.

Learn more about life insurance without health questions.