Can I purchase life insurance for our family without a physical exam?

Question

We have a new baby and we both need to be insured. Is it possible to purchase affordable life insurance without a physical exam?

Answer 1

It all depends on the amount you are looking to be insured for.  If you are looking to be insured for $2,500.00 you probably would not need a physical exam, but if you want to be insured for $1,000,000.00 - more often than not the insurance companies will want the exam performed.

Answer 2

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Answer 3

You can purchase up to 150,000 of term life without exam if you can answer no to five health questions and have proof of a mortgage. Up to 100,000 without proof of a mortgage. What do you consider affordable? Rates are based upon your age, tobacco status, etc.