How To Get Up To $1,000,000 Life Insurance Coverage With No Medical Exam

$1,000,000 Life Insurance Coverage With No Medical Exam


No medical exam life insurance approval

How to get up to $1,000,000 of life insurance without a medical exam.

Do you need a life insurance policy right away and can’t wait for the lengthy approval process for a standard life insurance policy which requires a medical exam?

At Abrams Insurance Solutions we have what you need as we can get you approved within 48 hours for a life insurance policy that does not require a medical exam.

If you are looking for a quick life insurance solution and a policy between $50,000 to as much as a $1,000,000 policy, then read on to learn more.

All you have to do is give us a call and answer our very quick questionnaire qualification process, and we can get you life insurance coverage without going through all the traditional hassle in no time at all.

And, even if you don’t qualify for a no-medical exam insurance policy we can still help you obtain a fully underwritten policy at a very affordable price, and an insurance solution which is ideal for your particular individual needs.



Who Would Benefit From a No Medical Exam Life Insurance Policy?

There are many people out there who might find a need for a life insurance right now but simply don’t have the time to go through the lengthy life insurance process.

Some of these situations might apply directly to your particular situation right now such as the following:

Spousal Coverage – You might find that you have a policy for yourself but what about your spouse?  If your spouse were to pass away right now, you might not have enough income to cover all the added expenses such as funeral costs, debts, child care coverage and other unexpected expenses.

Special Needs Children – Special needs children can be very expensive to look after. If you don’t have enough life insurance or none at all then you will want to get sufficient coverage and quickly so your special needs children can be properly looked after and for a long time to come

New Parents and Grandparents – If you have just become proud new parents or if you are grandparents then you will want to ensure that the new additions to your family are properly covered and will be able to enjoy a quality of life and even afford an education down the road.  Life is uncertain so get insured without delay so you don’t have to worry.

Supplemental Group Coverage – You might have an insurance policy where you work, but maybe you are not insured enough to guarantee your family will be able to maintain the lifestyle you want for them for a long time to come.

Key Person Coverage – If you’ve just hired the perfect person or team that will take your business to the next level, you want to make sure that your company will not be financially devastated if you lose these people.

A no exam life insurance policy can ensure these people and your business can be covered right away without delay so you won’t be exposed to a potential loss.

Mortgage Coverage – If you’ve just bought a home you don’t necessarily need to get mortgage insurance through your lender. You can get a policy where your family is the beneficiary and not the lender and we can show you how.

Leave a Legacy – If you want to ensure that your children or grand children start out life on a good footing then you can get this policy now so that your family always has the best advantages in getting ahead in this competitive world of ours.

How Do I Qualify For No Medical Exam Insurance

There are restrictions and not everyone will qualify but you won’t know until you actually call us here at Abrams Insurance Solutions and apply for coverage.

However, here are a few things to keep in mind when applying which include:

  • You must be between ages 18 – 60
  • Insurance coverage policy must between $50,000 – $1,000,000
  • Must be new business only
  • Must be able to qualify for a Super Preferred or Preferred Risk
  • Simply call us at 858-703-6178 to complete our brief questionnaire


To get approved for this particular program, the insurance company completes a phone interview with the client and within a few days decides if they are willing to waive the exam requirement.  


What Types of No Medical Exam Policies Are Available?

We can provide you with many types of life insurance polices that are available for a no medical exam policy including the following:

  • Term (10-, 15-, 20- and 30-year)
  • Universal Life
  • Indexed Universal Life
  • Survivorship Universal Life

What Disqualifications Apply For No Medical Exam Coverage?

Unfortunately, not every applicant will be approved and some of the conditions that would disqualify you from coverage include the following:

  • Major medical conditions
  • Driving under the influence or reckless driving in the past five years
  • Criminal history
  • Foreign nationals or travel to hazardous countries
  • For applicants over age 50, no primary care physician or evidence of routine physicals
  • For Non-Tobacco Preferred, no tobacco use within the past 24 months

 Disqualification for the Following Existing Medical Conditions

You would also not qualify for a no medical exam policy if you have the following medical conditions:

  • Alcohol abuse and/or treatment Hepatitis
  • Atrial Fibrillation Hypertension (diagnosed within six months)
  • Barrett’s Esophagus
  • Kidney Disease
  • Bipolar Disorder
  • Lupus
  • Cancer (Exceptions: Basal Cell and Squamous Cell Carcinomas)
  • Melanoma
  • Chronic Obstructive Pulmonary Disease  Multiple Sclerosis (MS)
  • (COPD)/Emphysema
  • Parkinson’s Disease
  • Crohn’s Disease
  • Peripheral Artery Disease (PAD)
  • Diabetes/Gestational Diabetes Peripheral Vascular Disease (PVD)

What Do I Do If I Don’t Qualify for No-Medical Exam Coverage?

If you don’t qualify for a no medical exam policy under this program, there may be other options for no medical exam life insurance policies.  We may be able to still help you find the best possible policy at the most affordable rate with a standard life insurance policy.  You can check rates instantly by putting your information into the quote calculator to the right.  If you have any medical conditions, give us a call and we can tell you which insurance company will offer the least expensive coverage for your particular condition(s).

The process might take a little longer but you can feel more confident that the application process has been started and that you and your loved ones will soon have the life insurance coverage they need.

If you have any questions and want to start the no-medical exam application process or learn more about applying for a standard life insurance policy, then email us or call us at Abrams Insurance Solutions at 858-703-6178.