Can I buy Life Insurance Policy On-line without Medical Test ?

coganoid
#1. March 11th, 2009, at 6:03 PM.

Yes and I think Bank of America has been offering them of late.

aaron p
#2. March 12th, 2009, at 4:58 AM.

Yes, usually with a limit on the face amount of about $250000 or so. Above that amount, most companies want you to pee in a cup.

Don’t worry about comparing your options. Buying life insurance on a simplified-issue basis is not about being cost competitive. It’s about convenience. If you would like something that is actually competitive, contact a few independent insurance brokers to compare rates.

Hadley
#3. March 13th, 2009, at 5:21 PM.

Yes, you can compare and buy life insurance online without a medical test.

Here is a list of three options available for you to consider for life insurance with no medical test:

1. HSBC – offers you up to $250,000 of term life insurance with no medical exam required. You can apply online and get approved usually within minutes, if you qualify. HSBC started in 1865. HSBC is rated “A+” Superior by A.M. Best for financial strength. To get a free quote go to

2. RBC Express Term – offers you up to $150,000 of term life insurance with no medical test. You can apply online and get approved within 15 minutes, if qualified. Just answer a few simple health questions. RBC Express Term is issued through Liberty Life Insurance Company, started in 1905, and rated “A” Excellent by A.M. Best for financial strength. To get a free quote visit

3. Globe Life Insurance – offers you up to $30,000 of simplified life insurance. You can apply online and get approved within minutes. People age 78 and under may qualify. Globe Life has more than 2.5 million policyholders. Globe Life was established in 1951. Globe Life is rated “A+” Superior by A.M. Best for financial strength. To get your free quote visit

I hope that helps! Best of luck to you.

Actually, you can apply for all three options listed above if you want.

JaredBalis
#4. March 14th, 2009, at 6:43 PM.

Yes there are guaranteed life policies.

You can find out easily by requesting life insurance quotes from different agents in your area by filling out a quote form at. Ask them which companies have guaranteed policies.

Make sure you are getting the best deal because prices vary alot from company to company.

Jared Balis