Do I Need a Medical Exam?

Some life insurance companies require you to undergo a physical and answer extensive health questions before they will consider your application for coverage. Other life insurance policies only require a few questions.  Gerber Life offers a simplified process, making it easier to get life insurance.

Having coverage to protect your family in the event that something unexpected happens is important. Your current health and physical condition shouldn’t get in the way of that. Find out more information below so that you can make the best decision for your family.

Considerations for Life Insurance Without a Medical Exam

If you are looking for coverage but don’t want to take a medical exam, policies that are “simplified issue” or “guaranteed issue” may be good options for you. Simplified issue policies require only a few medical questions and do not require a medical exam in most cases. Term Life Insurance and Whole Life Insurance Plans are both “simplified issue” and the application can be completed in just minutes.

Another option to obtain coverage without a medical exam is a “guaranteed issue” product. For applicants within a certain age group, policies with “guaranteed issue” might waive underwriting to help secure life insurance coverage more easily. For the Guaranteed Life Insurance, an applicant must be between 50+ years old.*

Lastly, Accident Insurance is another option that does not require a medical exam. This coverage protects you in the event of an accident. For Accident Protection Insurance, applicants between 18 and 69 years old are eligible to apply, regardless of health, occupation or anything else.

* Guaranteed coverage requires that applicant is a U.S citizen 50-80 years of age (for New York residents, maximum age of 75), residing in the US or permanent legal guardian. Total limit of all combined Gerber Life Guaranteed life policies is $25,000 (for South Dakota residents, maximum coverage of $15,000).