Yes, life insurance without a medical exam does exist!
At Viva Insurance Agency, we make life insurance without a medical exam simple and fast for you to get coverage without the stress of going through physical tests.
These policies are perfect for anyone who wants convenience, has pre-existing health conditions, works in a high-risk job, or simply prefers to skip the medical exam process.
How No-Medical-Exam Life Insurance Works
Life insurance is designed to provide financial protection for your loved ones in case something unexpected happens.
Traditionally, getting life insurance required a full medical exam, including blood tests, urine tests, and sometimes even more invasive health checks.
This process could be time-consuming, stressful, and sometimes discouraging, especially if you have health concerns.
No medical exam life insurance changes all that. These policies allow you to get coverage without undergoing any physical tests. Instead, insurance companies evaluate your application using:
- Health questionnaires: Simple questions about your medical history, lifestyle, and habits.
- Prescription and medical records checks: Insurers can verify your health using digital records.
- Motor vehicle or financial records (in some cases): To assess risk factors indirectly.
Because there’s no need for a physical exam, approval is faster, often within days or even instantly in some cases.
Types of No-Medical-Exam Life Insurance
1. Accelerated Underwriting Life Insurance
This option is designed for generally healthy individuals who want coverage quickly.
Instead of a medical exam, insurers review digital records like your prescription history, driving records, and answers to an online health questionnaire.
At Viva Insurance Agency, we guide you through this easy process, ensuring you get competitive premiums and substantial coverage fast.
2. Simplified Issue Life Insurance
This policy is ideal for people with mild to moderate health conditions. You simply answer a few health questions and no medical tests are required.
Viva Insurance Agency helps you find a plan with the best coverage limits and rates, making sure even those with minor health issues can be protected.
3. Guaranteed Issue Life Insurance
If you have serious health concerns, this policy guarantees approval as long as you meet the age requirements (typically 45–85).
There are no health questions or exams.
While premiums are higher and coverage is lower (usually around $25,000 for final expenses), we help you understand the graded death benefit period and ensure your loved ones are financially secure.
4. Group Life Insurance
Many employers provide group life insurance without a medical exam. This coverage is usually basic and tied to your employment.
Our experts can help you supplement employer coverage with additional no-medical-exam policies, ensuring continuous protection even if you change jobs.
Why Choose No-Medical-Exam Life Insurance with Viva?
- Quick and Easy Application: Get coverage in days, not weeks.
- Accessible for All Health Types: Even if you have pre-existing conditions, we can find the right policy.
- Flexible Options: Choose from accelerated underwriting, simplified issue, guaranteed issue, or group coverage.
- Expert Guidance: Our team helps you compare plans and select the one that fits your budget and needs.
- Peace of Mind: Protect your family financially without the stress of medical exams.
Viva Insurance Agency Services for Every Need
Fast Online Quotes
Our online system provides instant quotes based on your health and lifestyle, helping you see your options clearly.
Personalized Policy Assistance
We analyze your situation to recommend the best no-medical-exam policy, whether you need higher coverage, lower premiums, or specific riders.
Support for High-Risk Jobs
If you work in a high-risk occupation, Viva Insurance Agency can match you with insurers willing to provide coverage without extensive testing.
Coverage for Seniors
Older applicants often face challenges getting traditional life insurance. We focus on policies like guaranteed issue life insurance to make sure you are protected.
Protect your loved ones today with no-medical-exam life insurance. Choose Viva Insurance Agency for fast, reliable, and simple coverage.
FAQs
Q1: How fast can I get approved?
Most policies can be approved within a few days. Some accelerated underwriting options may even provide instant approval.
Q2: Are the premiums higher than traditional life insurance?
Yes, generally they are slightly higher, but they offer convenience and access for people who might not qualify otherwise.
Q3: Can I get a large coverage amount?
Yes, accelerated underwriting policies can provide substantial coverage, while simplified issue and guaranteed issue policies usually have lower limits.
Q4: Is this insurance available for people with serious health conditions?
Absolutely. Guaranteed issue life insurance is specifically designed for individuals with serious health issues.
Q5: Can I combine this with employer group life insurance?
Yes! Many of our clients use no-medical-exam policies to supplement their employer-provided coverage for full protection.
