Tony Novak profile picture
  "AskTony" column archive        


Most Popular

AskTony Archive

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.

Content is the opinion of the author and does not represent the position of any other person or entity. Information is from sources believed to be reliable but cannot be guaranteed.

The author is paid for product endorsements and has an ownership or other financial interest in the businesses related to the topics covered.

New questions

Submit consumer finance questions at and health insurance questions at

Sponsored by: Insurance Exchange - your source of valuable information on state and federal health reform benefits.

Core Health Insurance - America's favorite mini-med insurance  with affordable premiums, freedom to choose providers, optional PPO discounts and guaranteed eligibility regardless of medical conditions.

Please support the Web sites that make publication of AskTony services possible.

Life insurance without medical test

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posted: 11/22/2006  reposted: 2/18/2011 This post has not been recently reviewed or revised by the author and may be out of date.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: Can I really get $250,000 life insurance without any medical exam or blood test?

A: Yes, but this amount is available only if you have taken a mortgage within the past two years and can answer "no" to the four medical questions on the application. If you do not have a new mortgage, then you qualify for only $100,000 insurance without any exam or medical test. If you have a medical condition that precludes regular life insurance, you may still qualify for an accidental death and disability type policy that does not cover a death for medical reasons but provides protection for travel-related and other fatal accidents. Either type of coverage can be applied for online with coverage issued within a few days. Smaller amounts of coverage can be issued even faster. Guarantee Trust Life and Globe Life are both reliable sources of fairly priced non-medical coverage.


More resources:

Do I qualify for Guarantee Trust Life Insurance? Globe Life Insurance