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Term Life Insurance

How much term life insurance can I get without a medical exam?

Coverage limits for no-exam term life insurance vary by carrier, but many companies offer up to $500,000 to $1,000,000 in coverage without requiring a medical exam, particularly for younger, healthier applicants.

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Higher amounts are sometimes available through accelerated underwriting programs, which use data sources like prescription history and driving records instead of a physical exam to assess risk.

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No-exam limits differ by insurer, age, and product, so confirm the limit for the specific policy you are considering.

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