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julz
Reputable term life insurance?
Is there any term life Companies with decent prices that you don't have to take physicals for?
I would suggest a Google search for "term life insurance without a physical" or "no exam term life insurance" would provide you with a healthy list of companies touting no exam life insurance.
HSBC, RBC, and Garden State Life are reputable companies with good ratings that offer affordable simplified issue term products that you can buy online. I work for Garden State Life as a disclaimer.
You will pay a little more for the convenience of not taking the physical exam than you would for a medically underwritten product.
Chris C
Short answer, yes there are several companies that have decent prices without physicals. It does however depend on the amount and type of insurance you are looking for and how you answer the health questions.
mbrcatz
No, if you want a decent price, you have to take a physical.
If you want a no-physical policy, you're going to have to fill out medical questions yourself, and if you lie, they don't pay. Plus, those are only for really low policy amounts - sometimes not enough to cover a funeral.
Brandon H
Yes Julz, there are several companies out there that donot make you take physicals. To get a list of potential companies that donot take physicals, look at my source below. Just enter your zip code and you will get a list of companies in your area that want your business. Hope this helps!
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