Best term life insurance without medical exam:

Finding the best term life insurance without a medical exam can depend on several factors including your age, health, location, and how much coverage you need. Here are a few companies that are known for offering no-exam term life insurance policies, along with some details to consider: 1. **Bestow** - **Coverage Amount**: Up to $1.5 million. - **Age Limit**: Available for ages 18 to 60. - **Term Lengths**: 10, 15, and 20 years. - **Underwriting**: Uses algorithms and applicants’ health history instead of traditional exams. 2. **Haven Life** - **Coverage Amount**: Up to $1 million (you may get more under some conditions). - **Age Limit**: Generally available for ages 18 to 64. - **Term Lengths**: 10, 15, and 20 years. - **Underwriting**: Quick online application; no exam required for many applicants. 3. **Ethos** - **Coverage Amount**: Up to $1 million for those who qualify. - **Age Limit**: Offers coverage for ages 20 to 65. - **Term Lengths**: 10, 15, and 20 years. - **Underwriting**: Instead of a medical exam, Ethos uses a health questionnaire and may access medical records. 4. **Policygenius** - While Policygenius itself is not an insurance provider, it is a broker that helps you compare various no-exam options from different insurers, including those listed above. 5. **Lemonade** - **Coverage Amount**: Up to $1 million. - **Age Limit**: Typically for ages 18 to 60. - **Term Lengths**: 10, 20, and 30 years. - **Underwriting**: Provides quick online quotes based on a simple questionnaire. ### Considerations: - **Rate Lock**: Once you secure a policy, your rates are typically locked in, which means they won't increase as you age. - **Health Questions**: Even without a medical exam, you will usually need to answer health questions, which can influence your premium. - **Speed**: No medical exam policies often have faster approval times, allowing you to get coverage quickly. - **Premiums**: Compared to standard policies that require exams, premiums for no-exam policies might be higher, especially for those with health issues. Always compare quotes from multiple providers, read the policy's terms and conditions, and check reviews to find the most suitable option for your particular needs. Consulting with a licensed insurance agent or financial advisor can also help guide you to the best choice for your situation.

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