Term Life Insurance plans without a medical exam These can all have slightly different definitions but some of them are types of guaranteed issue life insurance. In some cases they are sold as funeral insurance, burial insurance, or final expenses insurance plans. Guaranteed issue payments tend to be smaller amounts than other types of whole life insurance and are often used to help with costs associated with end of life such as health care, palliative care, or funeral costs. This means once itвЂ™s purchased-and if the monthly premiums are kept up with-there is a guaranteed lump sum payout to beneficiaries upon oneвЂ™s death. Guaranteed issue life insurance is a type of whole life insurance with a guaranteed payout. For people who donвЂ™t qualify for term plans due to age or pre-existing conditions that canвЂ™t be controlled, there are still some options available. Using the medical exam blood test to support evidence of a healthy lifestyle can convince some carriers to lower their rates. For example, someone with type 2 diabetes whose blood sugar is under control can actually get a better life insurance rate by proving his or her blood sugar is controlled. People with pre-existing conditions with controlled symptoms may also benefit from a medical exam. However, in some cases people over 70 in good health can actually benefit from a medical exam, to prove they are still healthy. Life insurance with no medical exam is frequently requested by people over 70 years of age and people with pre-existing conditions. If not, here are a few other ways to get the plan you want for your family. Some people can also get group life insurance through work, which can be a good option if you are able to do that. Some of these options include guaranteed issue life insurance, term life insurance plans that come with no medical exam, or using an alternate form of insurance such as final expense insurance or mortgage protection insurance to provide for your loved ones instead. Yes, there are a few options for getting life insurance without a medical exam.

Term life no medical exam