Can I get life insurance without a medical exam?

Often, yes. Many of the policies we offer skip the exam, and some just ask a few health questions.

More detail

Here's how it often works. Depending on the policy, the company may ask a few health questions, a longer list of questions, or ask for an exam. Which route makes sense depends on your health, your budget and how much coverage you need.

The most important tip: answer every health question completely and honestly. Don't sign an application until you've reviewed it carefully to be sure every answer is complete and accurate.

Another common mistake is dropping a policy you already have before the new one is settled. Replacing coverage can be costly, so we compare carefully first. If your health has changed, you may not be able to buy the same coverage again.

What to have ready: • Your medicines and doses • Your doctors' names • Any major health events in recent years, with approximate dates

If you're worried your health will make coverage hard to get, talk with me. We'll look at what's realistic for you.