What No Medical Exam Life Insurance Means for Californians
No medical exam life insurance is a quicker, simpler way for Californians to get life coverage without the hassle of physical exams or lab tests. Instead, you answer health questions online or over the phone, and based on that, insurers determine your eligibility and rates.
How Does It Work?
This type of policy uses your application answers to assess risk instead of medical exams. It’s ideal for those who want fast protection or have health concerns that make traditional exams difficult.
Who Qualifies?
- Healthy individuals seeking speed and convenience
- Those with minor health issues who may still qualify
- People who prefer an easy application without needles or appointments
Coverage and Limits
No exam policies usually offer coverage amounts ranging from $20,000 up to $3 million depending on your health answers. Premiums are fixed for the policy term, so you know exactly what you pay monthly.
Benefits for California Residents
Fast Application and Approval
Apply online or by phone in minutes and get instant or near-instant decisions, ideal for busy Californians.
Peace of Mind Without the Stress
No waiting for exam appointments or test results means you can have coverage active quickly.
Flexible Coverage Options
Choose the amount and term that fits your budget and family needs, from 10 to 40 years, or even permanent policies with guaranteed issue for seniors.
Get your personalized no medical exam life insurance quote online in minutes and secure your family's future today.
Disclaimer: Insurance policies vary by company and specific terms. Confirm all details with a licensed insurance representative.
