No Medical Exam Life Insurance

Most life insurance policies require a medical exam as part of the underwriting process. This can extend the application process, and as a result, delay the start of your coverage. eLifePolicy offers term life insurance approval without a medical exam- just answer a few health questions. This no-hassle insurance allows for instant coverage!

Exams in non-Instant Term Products Delay Approval

While the actual medical exam itself may not take long (questions about medical history, height/weight, blood pressure, pulse, urine specimen), your life insurance approval will likely meet delays with scheduling the exam appointment and waiting for results. The information from this exam is sent to the insurance company, where they review the results to determine your risk class and calculate the amount of your premiums

eLifePolicy Benefits

With eLifePolicy ’s quick online application, proof of positive health is generally shown by answering questions about lifestyle and medical history. Without the requirement of a medical exam, term life insurance is relatively quick to obtain. The application process is speedy, requiring that some basic questions be answered. The insurance company determines your level of risk by evaluating your answers. Information about habits, general health and whether or not you are a smoker provide the company with adequate information to make a determination about your risk classification. This classification determines your level of premium – better health equals a lower premium.

Instant Coverage

Apply online for eLifePolicy term life insurance and get instantly approved. Just answer a few health questions and no medical exam is necessary. If qualified your policy coverage will begin immediately – no waiting period is necessary and the 30-day money-back guarantee gives you time to review your package.