Skip to Content

AIG Direct
Call Now
  • REQUEST A QUOTE
  • LIFE INSURANCE PRODUCTS
    • Term Life Insurance
    • Quality of Life
    • Permanent Life Insurance
    • Universal Life Insurance
    • Whole Life Insurance
    • Guaranteed Issue Whole Life Insurance
    • Accidental Death Insurance
    • Self-Fulfilling Life Insurance
    • Final Expense Insurance
  • LIFE INSURANCE BASICS
    • Life Insurance
    • Choosing a Life Insurance Policy
    • Which Type of Life Insurance Policy Do I Need
    • What to Expect When You Apply for Life Insurance
    • Life Insurance Medical Exam
    • Managing Your Life Insurance Policy
    • Term Life Insurance Calculator
    • Life Insurance Terminology
    • How to Buy Life Insurance
    • Life Insurance Quotes Online
    • Affordable Term Life Insurance
    • Benefits of Life Insurance
    • Life Insurance Rates
    • Is Life Insurance Worth It
    • Supplemental Term Life Insurance
    • Million Dollar Life Insurance
    • Who Needs Life Insurance
    • Life Insurance Planning
  • ABOUT LIFE
    • Why Life Insurance
    • Planning for Life Insurance
    • Applying for Life Insurance
    • Managing Your Policy
  • SCHOLARSHIP PROGRAM
  • ABOUT US
    • About Us
    • Customer Reviews
    • Why AIG Direct
    • Our History
    • AIG
    • Contact Us
    • Careers
AIG Direct
Quote Hotline

800-294-4544 800-294-4544

Quote Hotline 800-294-4544 800-294-4544

  • LIFE INSURANCE PRODUCTS
    • Term Life Insurance
    • Quality of Life
    • Permanent Life Insurance
    • Universal Life Insurance
    • Whole Life Insurance
    • Guaranteed Issue Whole Life Insurance
    • Accidental Death Insurance
    • Self-Fulfilling Life Insurance
    • Final Expense Insurance
  • LIFE INSURANCE BASICS
    • Life Insurance
    • Choosing a Life Insurance Policy
    • Which Type of Life Insurance Policy Do I Need
    • What to Expect When You Apply for Life Insurance
    • Life Insurance Medical Exam
    • Managing Your Life Insurance Policy
    • Term Life Insurance Calculator
    • Life Insurance Terminology
    • How to Buy Life Insurance
    • Life Insurance Quotes Online
    • Affordable Term Life Insurance
    • Benefits of Life Insurance
    • Life Insurance Rates
    • Is Life Insurance Worth It
    • Supplemental Term Life Insurance
    • Million Dollar Life Insurance
    • Who Needs Life Insurance
    • Life Insurance Planning
  • ABOUT LIFE
    • Why Life Insurance
    • Planning for Life Insurance
    • Applying for Life Insurance
    • Managing Your Policy
  • SCHOLARSHIP PROGRAM
    • About Us
    • Customer Reviews
    • Why AIG Direct
    • Our History
    • AIG
    • Contact Us
    • Careers
  1. Home
  2. Life Insurance Basics
  3. Senior Life Insurance Without a Medical Exam

No Medical Exam Life Insurance for Seniors

Senior Life Insurance Without a Medical Exam

  • Twitter
  • Facebook
  • LinkedIn

Traditionally, many life insurance policies require a medical exam as part of the underwriting process. A quick exam doesn't feel like a deterrent when you're young and healthy. However, for some, including seniors, needing to take a health exam or answer extensive medical questions may give them pause. An exam could turn up an undiscovered illness, a chronic health condition, or overall poor health, which may impact premiums or, even worse, reject them from coverage altogether.

Because of those fears, some seniors forgo getting a life insurance policy, potentially leaving loved ones to pay for outstanding bills or funeral costs after they pass.

For seniors who don't have an existing policy and would like to get coverage to help provide financial security for their loved ones after they pass, it is possible to get life insurance with no health questions and no medical exam.

What to Know About No Exam Life Insurance

Nearly half of Americans said they would be more likely to purchase life insurance if they could get coverage more quickly and without a medical exam. According to a 2019 Insurance Barometer Study by Life Happens, a nonprofit organization that focuses on life insurance and other products, and LIMRA, a life insurance management and research organization. You might be one of them, and you do have options. You can secure a life insurance policy with no exam or health questions and can qualify regardless of your health.

As you explore your options, something to consider about no exam life insurance is it may have higher premiums. Part of the reasoning behind it is because insurance companies don't have your specific health information. That makes it harder to determine a rate based on your specific health and information. For some, that may result in a higher premium compared to getting a policy with a medical exam.

As you're comparing different policies, keep that in mind. It may turn out, for example, that you could pay more for a no exam policy than one that requires an exam if you are in good health.

Life Insurance Policy Options Without a Medical Exam

One of the most popular choices for seniors looking for no medical exam life insurance is Guaranteed Issue Whole Life Insurance. It's a more affordable life insurance option that doesn't require a medical exam, and it has guaranteed acceptance.

Senior life Insurance without a medical exam, such as Guaranteed Issue Whole Life Insurance, also doesn't require you to answer any medical questions and your premium payments stay fixed. This means, for the life of your policy, your premium won't increase.

Guaranteed Issue Whole Life Insurance is designed for people between the ages of 50 and 80 who want to ensure they can help loved ones pay for outstanding debts, final expenses, or medical bills after they pass. Coverage typically starts at $5,000 and goes up to $25,000.

Living Benefits

Guaranteed Issue Whole Life Insurance offers living benefits, included at no extra cost. Life insurance policies that offer living benefits can help cover medical bills, and in some qualifying cases, may even return premiums to you.*

  • Chronic Illness: If you are diagnosed with a chronic illness, where you cannot perform at least two of six "activities of daily living" such as eating, bathing, continence, toileting, dressing, and transferring, the benefit will return all of the premiums you've paid. The same is true if diagnosed with Alzheimer's Disease, dementia, or another server cognitive impairment.
  • Terminal Illness: A terminal illness is classified as when a physician certifies an illness or physical condition is reasonably expected to result in death within two years from the date of certification. If you're diagnosed with a terminal illness, you may be able to accelerate up to 50% of your death benefit to use before you pass.

*For more information on Accelerated Benefit Riders, click here

How to Find and Choose a Life Insurance Policy

Should you get life insurance with no medical exam? The answer, of course, is you should do what's best for you and your family's needs. Then, after carefully considering the options and learn more about no exam life insurance, make the choice that works for you.

You can speak to an AIG Direct Life Insurance Agent to get a quote by calling 1-800-586-3022. Or, you can apply and purchase a policy online using the DIY page. Start your application process today.

The AGL GIWL policy referenced offers a limited death benefit in the first two years of the policy. Should death occur in the first two years, a death benefit will be equal to 110% of the premiums paid. In the event of suicide, the death benefit is limited to a refund of premiums only.

Help protect your family with Life Insurance!

Contact Us Contact Us
LIFE INSURANCE PRODUCTS
  • Term Life Insurance
  • Quality of Life
  • Permanent Life Insurance
  • Universal Life Insurance
  • Whole Life Insurance
  • Guaranteed Issue Whole Life Insurance
  • Accidental Death Insurance
  • Self-Fulfilling Life Insurance
LIFE INSURANCE BASICS
  • Life Insurance
  • What is Life Insurance
  • How Does Life Insurance Work
  • Choosing a Life Insurance Policy
  • What to Expect When You Apply
  • Medical Exam Preparations
  • Managing Your Life Insurance Policy
  • Term Life Insurance Calculator
  • About Life Insurance Blog
ABOUT AIG DIRECT
  • Customer Reviews
  • About AIG Direct
  • Our History
  • Contact Us
  • Careers
  • Site Map
  • AIG Direct Facebook
  • AIG Direct LinkedIn
  • AIG Direct YouTube
  • AIG Direct Instagram
  • LIFE INSURANCE PRODUCTS
    • Term Life Insurance
    • Quality of Life
    • Permanent Life Insurance
    • Universal Life Insurance
    • Whole Life Insurance
    • Guaranteed Issue Whole Life Insurance
    • Accidental Death Insurance
    • Self-Fulfilling Life Insurance
  • LIFE INSURANCE BASICS
    • Life Insurance
    • What is Life Insurance
    • How Does Life Insurance Work
    • Choosing a Life Insurance Policy
    • What to Expect When You Apply
    • Medical Exam Preparations
    • Managing Your Life Insurance Policy
    • Term Life Insurance Calculator
    • About Life Insurance Blog
  • ABOUT AIG DIRECT
    • Customer Reviews
    • About AIG Direct
    • Our History
    • Contact Us
    • Careers
    • Site Map
  • AIG Direct Facebook
  • AIG Direct LinkedIn
  • AIG Direct YouTube
  • AIG Direct Instagram
  • Privacy Policy
  • Terms and Conditions
  • Legal Information
  • Advertising Disclosures
  • About Our Ads
  • Accessibility Statement
  • New York COVID-19 Notice
  • Compensation Disclosure
  • Privacy Policy
  • Terms and Conditions
  • Legal Information
  • Advertising Disclosures
  • About Our Ads
  • Accessibility Statement
  • New York COVID-19 Notice
  • Compensation Disclosure

© 2022 AIG Direct Insurance Services, Inc. Agency services provided by AIG Direct Insurance Services, Inc. ("AIG Direct"), CA license # 0B57619 and AR license # 0100105378, a subsidiary of American General Life Insurance Company ("AGL"), Houston, TX and an affiliate of The United States Life Insurance Company in the City of New York ("US Life"). All members of American International Group ("AIG"). AGL does not solicit, issue or deliver policies or contracts in the state of New York. AIG Direct offers policies on behalf of affiliated and unaffiliated insurance companies. Guarantees are backed by the claims-paying ability of the issuing insurance company. Products may not be available in all states and product features may vary by state. For all companies mentioned, their financial professionals and other representatives are not authorized to give legal, tax or accounting advice. For advice concerning your individual circumstances, consult the appropriate professional.

pixel tracker

pixel tracker