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This Web site contains a compilation of more than a thousand consumer finance  columns written by Tony Novak from the 1980s through 2006, updated and reformatted for maximum usefulness today.  New material was added after 2010.

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Life insurance without exam

originally posted: 11/22/2006  reposted: 2/18/2011 This post has not been recently reviewed or revised by the author and may be out of date. If you notice an error or are in doubt, please send a new question by email or ask for an update. Email

Q: Is it possible to buy a large amount of life insurance with a physical exam? I think I am healthy but I really do not want to take a physical exam right now while I have no life insurance just in case something turns up.

A: Yes; see the link below for rates and online enrollment for Guarantee Trust Life Insurance. This company issues up to $100,000 term life insurance to most people and up to $250,000 for applicants who have a new mortgage loan. No medical exam is required and the coverage is usually issued within a few days following an online application.


More resources:

Guarantee Trust Life Online Pricing and Enrollment