You do not really need, or you might already have a traditional
regular life insurance
policy, you do not want to go through a
medical exam again, you can just get an accidental death benefit life insurance
policy, or again, you can get this as a rider to a traditional
policy.
Because those who apply for no
medical exam and guarantee issue coverage are often riskier to the insurance carrier — due in large part to potential adverse health - related issues — the amount of the premium that is charged will usually be higher than that of a
regular life insurance
policy.
Several insurance companies we work with do offer
regular term life insurance
policies that do not require you to get a
medical exam as part of the application process.