Where can one find a no medical term life insurance?
No medical life insurance policies, also known as non-medical life insurance, can be obtained from:
1. Online life insurance companies: Many online life insurance companies offer no medical exam policies. The application process is usually straightforward, and you can often get a decision within minutes. Some popular online life insurance companies that offer no medical life insurance include:
* Ladder
* Haven Life
* Bestow
* Fabric
* Ethos
2. Direct-to-consumer life insurance companies: Some direct-to-consumer life insurance companies also offer no medical exam policies. You can purchase coverage directly from the company's website without talking to an agent. Some popular direct-to-consumer life insurance companies that offer no medical life insurance include:
* Lemonade
* Hippo
* Kin
* Toggle
* Gabi
3. Insurtech companies: Insurtech companies are technology-driven insurance companies that often offer no medical exam policies. They use innovative underwriting methods to assess risk, which allows them to offer lower rates and simplified application processes. Some popular insurtech companies that offer no medical life insurance include:
* Ladder
* Haven Life
* Bestow
* Fabric
* Ethos
When shopping for a no medical life insurance policy, it's important to get quotes from multiple companies to compare rates and coverages. Read the policy's terms and conditions carefully before purchasing to ensure it meets your needs. If you have more questions or need personalized recommendations, reach out to an independent insurance agent or broker.