at all, particularly when it comes to term life insurance. But one option could be to choose a State Farm policy.
The insurer has a few different no-medical-exam insurance options for seniors, such as permanent life insurance policies with limits below $100,000 up to age 80, although some applicants might still need an exam. Another option is guaranteed issue final expense insurance with limits between $10,000-$15,000 for those up to age 80.
If you want a term life policy during your golden years, consider planning ahead. You can potentially get a no-medical-exam term policy up to age 60 that then comes with a guaranteed annual renewal option up until age 95. Premiums would rise as you age, but this provides a route to maintain term life insurance without needing a medical exam.These no-exam life insurance options can help you quickly protect your loved ones financially.
That said, some policies with medical exams end up costing less, or you might find that the policies you want require medical exams regardless. So, it's good to shop around for different types of insurance from different providers to see what works best for you and your family. You might find that a is the way to go, or you might find that it's worth it to take the extra step of seeing a doctor first.
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Fuente: CBSNews - 🏆 87. / 68 Leer más »