How to find the best no-trial life insurance

To get the best trial-free life insurance, you should first understand why you need it. KATLEHO SEISA/Getty Images

Life insurance can help ensure that your loved ones are financially secure after your death. In exchange for a small fee to a provider, policyholders can secure coverage for hundreds of thousands of dollars each month. Depending on your personal circumstances, you may be able to get a policy for $1 million or more.

But if you’re a senior or someone with medical conditions, your enrollment process can be hampered by the traditional medical exam required for most life insurance policies. The results of such a check can limit the offer – or even lead to your health insurance being rejected. In addition, even smokers can encounter obstacles when looking for cheap life insurance.

Luckily, though, exam-free life insurance makes the application process a lot easier. With this option, you might end up paying a little more for policies, but you can skip medical exam requirements entirely and save time on insuring.

Below we’ll explore ways to find the best life insurance without testing, but you can get started yourself by getting a free quote now.

How to find the best no-trial life insurance

The process of securing the best no-trial life insurance is similar to the process of getting other types of insurance. As such you want:

Understand your goals

Why do you need life insurance? And, more specifically, why do you need audit-free life insurance? Once you understand why you need a policy, you’ll be better able to apply for the right amount and type (more on this below).

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Do you need it to cover your mortgage loan in the event of death? Then you probably need a significant amount of coverage. You’ll also want a good amount if your kids are young and you have many years left before they go to college (and you may then want to cover tuition as well).

However, there are other circumstances when you need life insurance quickly and for a small amount. In this case, an audit-free policy might be the fastest way to get covered. First understand your goals and what you are trying to achieve and then go from there.

Get a free estimate now so you know exactly what to expect.

Familiarize yourself with the type of policy you want

One of the great things about no-trial life insurance is that you can get it with any type of life insurance you prefer.

So if you like the flexibility (and price) of term insurance, you can apply for term insurance without an exam. However, if you prefer the lifetime protection (and cash reserve) that comes with life insurance policies, you can get a no-exam version instead.

Do your homework and understand the pros and cons of each type of insurance.

Search lenders to find the best deal

As with most financial products and services, it pays to do your research to find the best deal. Non-examination life insurance is no different. Different providers offer different terms and rates, so get quotes from at least three different insurance companies so you can make a basis for comparison.

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Just make sure you’re comparing apples to apples. Therefore, if you receive a test-free term life insurance quote from one provider, you will not receive a test-free life insurance quote from another provider. Get quotes for the same style, length and quantity, then choose the best deal.

You can now get a free price quote online or consider purchasing vendors using the table below.

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