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No Medical Exam Life Insurance

NGA never requires a medical exam for anyone. You can apply for personalized online life insurance coverage through NGA without needing to schedule an exam—just answer a few health-related questions. Regardless of your health status, with NGA, you are eligible for a no-medical-exam life insurance policy.

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With online no-medical-exam life insurance, most traditional policies require a medical exam to determine your final rate. This process can be time-consuming, requiring you to schedule and attend an exam, followed by waiting for the results to be analyzed for policy underwriting. Instant life insurance offers a faster alternative by eliminating the need for a medical exam.

Alternative Life Insurance Options for Higher-Risk Applicants
Some insurers require a medical exam to determine premiums, especially for high-risk applicants. NGA Financial offers alternatives like simplified issue and guaranteed issue policies. Depending on your health answers, you might qualify for a simplified issue policy or a guaranteed issue policy with coverage up to $35,000.

Speed Up Your Application Process with These Tips
Provide detailed and accurate answers to all questions. Have these items ready:
– Your driver’s license
– Social security number (for identity verification)
– Personal and family medical history, and
– Current prescription information.

Features and Benefits

Expert help when you need it

Our team of licensed NGA agents is ready to answer all your life insurance questions and provide personalized support.

Term length flexibility

We offer flexible 10-, 15-, 20-, and 30-year term lengths to meet your life insurance needs.

Coverage up to $2 million

Choose coverage ranging from $10,000 to $2 million with NGA Financial’s flexible life insurance options.

Fast, online life insurance with no medical exam

Complete our 100% online application in minutes. Just answer a few health questions and receive your life insurance quote today with no requirement for a medical exam through NGA.

FREQUENTLY ASKED QUESTION

To provide you with the information you need quickly and easily.

  • What is Instant Life Insurance Coverage Without a Medical Exam?
    With most life insurance policies, a medical exam is needed to determine your final rate. This process can be time-consuming, requiring you to schedule and attend an exam, and then wait for the results to be analyzed for policy underwriting. Instant life insurance offers a faster alternative by eliminating the need for a medical exam. We provide up to $2 million in coverage without a medical exam. In under an hour, you can compare term and permanent life insurance options that fit your budget and provide full coverage. After a simple online application, you can secure your life insurance coverage today. If you’re 60 years younger and in generally good health, you can enjoy the benefits of life insurance at a price that’s easy on your budget—all in just a short time.
  • What Are the Benefits of No Medical Exam Life Insurance?
     Fast Approval: Get approved in less than an hour without the need for a medical exam. Convenient Online Application: Apply easily online with no paperwork required. Affordable Coverage: Obtain competitive coverage with benefits of up to $2 million. Instant Term Life Coverage: Secure fully underwritten insurance quickly and affordably, without the hassle of a medical exam.
  • How Do I Qualify for No Medical Exam Life Insurance?
    Pharmacy Report: Lists all medications prescribed to you over the past few years. Motor Vehicle Department Report: Also known as your driving record. Medical Insurance Bureau Report: Used if you’ve previously applied for or been denied life insurance. Credit/Financial History: Your financial background may also be reviewed. NGA Financial has extensive experience in finding life insurance that fits your needs. Even if you can’t qualify for instant coverage, we can help you find an insurance policy that works for you.
  • What are the best insurance plans for retirement?
    When planning for retirement, several types of insurance plans can provide financial security and peace of mind. If you are considering availing of such advantages, let us help you craft the best plans for your needs and circumstances.
  • How does annuity insurance work for retirement?
    Annuities can be a valuable part of a retirement strategy, providing guaranteed income and peace of mind. However, it's important to carefully consider the type of annuity, associated costs, and how it fits into your overall retirement plan. Together, let us ensure you make informed decisions that align with your retirement goals and circumstances.
  • What is the difference between term and whole life insurance for retirees?
    Term life and whole life insurance are two common types of life insurance policies that cater to different needs and goals, especially for retirees. Together, let us craft the best plans and match them to your needs and circumstances.
  • How much life insurance do I need for retirement?
    Determining the amount of life insurance you need for retirement depends on various factors, including your financial obligations, income, assets, and long-term goals. Let us calculate and craft the best plans for your needs and circumstances.
  • Can I use life insurance to supplement my retirement income?
    Yes, life insurance can be used to supplement your retirement income, particularly through certain types of permanent life insurance policies that build cash value. It provides tax advantages, flexibility, and a way to leverage an existing asset.   We can help you understand if this strategy aligns with your retirement goals and overall financial plan.

More Questions? We have answers.

Life insurance can be complicated. Luckily, we’re always here to help.

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NGA Financial is a licensed insurance service in the state of Florida (FL license # L127569). Your privacy is important to us. We collect and use your information as described in our Privacy Policy. Products and their features may not be available in all states. To help avoid requiring a medical exam, our application includes certain health and lifestyle questions.2024© NGA Financial. Alright Reserved