How Much Life Insurance Can I Get Without A Medical Exam?
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1575 POINTSview profileChristopher LawrenceInsurance Broker | Financial Consultant, Lawrence Insurance Consulting, Southern New JerseyIt depends on the insurer and the type of life insurance, but I personally have not seen any amounts larger then $250,000 without a medical exam. However typically you will find that most insurers are uncomfortable with underwriting such large policies without a medical exam. Most often it will be about 1/5th to 1/3rd that amount. However there are certain variables that may come into play depending on the situation.Answered on April 18, 2013flag this answer.JPG)
63333 POINTSview profilePeggy MaceMost of the U.S.The most Life Insurance I have heard of being able to get without a medical exam is $500,000 in one policy. However, you can purchase more than one life insurance policy without a medical exam. It would not be difficult to purchase $1,000,000 of No Exam life insurance by purchasing 3 policies.Answered on June 17, 2013flag this answer- 63333 POINTSview profilePeggy MaceMost of the U.S.There are policies that offer up to $350,000 without any exam at all, and up to $1,000,000 with just a paramed exam that does not include a blood sample. Some will take an oral swab in place of blood test. If you take two or more No Exam policies with different companies, you can get a pretty large amount of coverage with no exam at all.Answered on December 10, 2014flag this answer
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