No Medical Insurance
Life coverage issued on a few health questions or none at all — no exam, no nurse visit, no blood work.
Traditional life insurance underwriting can involve a medical exam, blood and urine samples, and a wait of several weeks. No-medical plans skip that. Some ask a short list of health questions and issue immediately; guaranteed issue plans ask nothing at all and cannot decline you.
You pay for that certainty: premiums are higher than a fully underwritten policy, and guaranteed issue plans usually apply a two-year waiting period during which a death from natural causes returns your premiums rather than the full benefit. For someone who has been declined, has a serious condition, or needs coverage this week, that trade is often worth making.
Who this is for
- Applicants declined or heavily rated by another insurer
- People with a serious or recent medical history
- Anyone needing coverage in place within days, not weeks
- Older applicants arranging final expense coverage
What you get
Simplified issue
A short health questionnaire, no exam, and approval often within 24 to 48 hours.
Guaranteed issue
No health questions and no medical history review. Acceptance is guaranteed within the eligible age range.
No needles, no nurse visit
No blood work, no urine sample and no attending physician’s statement to wait on.
Coverage in days
Policies are frequently in force within a week, which matters when coverage is tied to a closing date or a travel plan.
Final expense plans
Smaller benefit amounts designed to cover a funeral and outstanding bills without burdening family.
Honest about the trade-off
If you would qualify for standard underwriting, we will tell you — the premium difference over twenty years is substantial.
Questions we get asked
Simplified issue plans commonly go up to several hundred thousand dollars. Guaranteed issue plans are usually capped much lower, in the range of a final expense benefit.
On guaranteed issue plans, death from natural causes in the first two years returns the premiums paid plus interest rather than the full benefit. Accidental death is typically covered in full from day one.
Almost always, yes. Insurers assess the same condition very differently, and we often place applicants at standard rates after they have been rated elsewhere.
Get a no medical quote
Tell us a little about who needs covering. We will compare the market and come back with two or three options worth considering, with the trade-offs spelled out.
- Advice and paperwork cost you nothing
- Available in English, Punjabi and Hindi
- Most quotes returned the same business day