No Health Question Life Insurance

What is no health question life insurance and how does it work?

It's a type of life insurance that does not require you to answer any questions about your health.

Usually, the are Guaranteed Approval life insurance plans, with no health questions asked and no health examination required in order to get insured.

Basically, anyone who meets the age requirements for acceptance is guaranteed approval for a policy.

Usually, people who seek out no medical question life insurance have pre-exisiting health issues, have been denied coverage, or are over 75 years old.

The good news is there are life insurance companies offering these types of policies and you can get insured. Some leading carriers include United of Omaha, Gerber, MetLife and AAA Life, among others.

However, learn about the graded death benefits of these plans - this means you will have limited coverage the first 2-3 years you are insured. That's how they can insure you with no health questions asked.