Two ways to get covered without a doctor visit.
No-exam life insurance comes in two flavors. Simplified-issue asks a few yes/no health questions and pays the full benefit from day one. Guaranteed acceptance asks no questions but has a 2-year waiting period for natural-cause death. Most adults 50–85 qualify for one or the other.
| Feature | Simplified-issue | Guaranteed acceptance |
|---|---|---|
| Health questions | 8–12 yes/no | None |
| Medical exam | None | None |
| Day-one full benefit | Yes | Accidents only; natural causes after 2 years |
| Typical cost premium | Standard | 20–40% higher |
A licensed agent can tell you in 5 minutes which type fits your health history — and quote both for comparison.
Most applicants are approved in under 30 minutes.
A quick call. A real quote. No medical exam.