No Medical Exam Life Insurance

Medical Test to get No Medical Exam Life Insurance Over 50

The primary purpose of a medical exam life insurance policy is to assess the health and longevity of the applicant. However, insurance companies use the exam results to determine the risk of insuring the individual.

If the exam results indicate that the applicant is in good health and has a low risk of death shortly. Therefore, the insurance company may offer them a lower premium than they would provide to someone with a higher risk.

On the other hand, if the exam results indicate that the applicant has a higher risk of death. Therefore, the insurance company may offer them a higher premium or even deny them coverage altogether.

No medical exam life insurance over 50 serves people in old age who want a low coverage insurance policy to secure their final expenses. Also, people with serious health conditions who fail to get qualifications go with no medical exam life insurance policy.

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Can I get life insurance without a health exam?

Haven Life

Haven Life insurance is a New York-based life insurance company which is owned by MassMutual insurance company. Haven life offers Haven Simple, which is a simplified issue term life insurance. The policy can be bought for 5, 10, 15 years. The premium rates vary as per the age and gender of the insurer, along with term length and the coverage amount.  For example, the monthly premium rate for a healthy man of age 35 buying a 15- year policy of $250,000 is $15.75. The coverage amount provided is from $5,000 to $500,000.

AAA Life Insurance

AAA life insurance was established in 1969. AAA insurance offers Express Term, which is a no medical exam life insurance. The term length provided for this coverage is 10, 15, 20, and 30 years. The coverage amount ranges from $25,000 to $500,000.

GERBER Life Insurance

Gerber Life insurance was founded in 1967. There are certain types of no exam insurance offered by Gerber life:

Gerber Grow-Up Plan is a Whole life Insurance policy that comes with death benefits and a cash value policy. The minimum coverage is $5000, and the premium rate is as little as 1$ weekly. The policy is primarily for children between the age of 14 days to 14 years. The policy stays active as long as the premiums are being paid. For Children of age 15 to 17, Gerber offers Young Adult Plan.

Gerber Life Insurance also offers a No medical exam term policy for adults. The term length can be 10, 15, 20, or 30 years. There is no medical exam for people in the age bracket of 18 and 50. It is for those who want a coverage amount of up to $100,000.

Gerber provides Guaranteed Issue Life Insurance to people between the ages 50 and 80. No medical exam guarantees the acceptance of the application. The policy provides a very low coverage range from $5,000 up to $25,000, usually to secure the final expenses.


AIG Life Insurance is an American insurance company that was founded in 1919. AIG’s two types of no medical exam insurance policy are Accidental Death Insurance and Guaranteed Issue Whole Life Insurance. With fixed premium rates, both of them can be acquired easily regardless of health condition. There is no age restriction for accidental death insurance but guaranteed life insurance is offered to people aged 50 to 80. The coverage amount for accidental death insurance is $100,000 – $500,000, whereas the coverage amount for guaranteed issue life insurance is $5,000 – $25,000.

AARP Life Insurance

AARP is an American-based insurance company that was founded in 1845. AARP offers term life insurance which does not require a medical examination. The coverage amount is from $10,000 to $100,000. The no medical exam life insurance options provided by AARP are Permanent Life Insurance, Level Benefit Term Life, and Easy Acceptance. Permanent Life Insurance and Level Benefit Term Life can be available without any health questionnaire, whereas Easy Acceptance is a simple yes and no health questionnaire.

No Medical Exam Life Insurance Tips!


Have a complete physical and medical exam a few weeks before applying for No Medical exam life insurance Over 50. So that, you understand your health accurately, enabling you to provide an accurate medical history on the application.


Bring all relevant medical records to your medical exam, including immunization records, medical test results, and prescription or over-the-counter medications.


Be honest and accurate with your responses on the No Medical Exam life insurance over 70 applications. Or else, if you do not disclose any medical issues or conditions, your life insurance policy may be at risk of not accepting you.


Avoid engaging in activities that may produce heart rate or blood pressure, such as excessive exercise, right before your medical exam.


Discuss any changes in health or lifestyle that have occurred since you last had a medical exam.


Get plenty of rest the night before your exam and eat a healthy breakfast.


Wear comfortable, loose clothing for your medical exam.


Remember that the medical exam measures your health. Therefore, you have to answer questions about your medical history, lifestyle, and family.

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