Life insurance is a key component of most any overall financial plan. One reason for this is because the proceeds from a life insurance policy may be used by survivors for paying off debts, continuing their ongoing living expenses, or even ensuring that a child or a grandchild has the money they need to attend college.
For some people, getting approved for life insurance may be easy – particularly if you are in excellent health. But for others, an adverse health issue and/or employment in a risky occupation can make approval more difficult. If you are in this situation, though, you may be able to obtain the life insurance coverage that you need via a no exam policy.
- A+ (Superior) from A.M. Best Company
- AA- (Very Strong) from Fitch Ratings
- A1 (Good) from Moody’s Investor Services
- A+ (Strong) from S&P Global
life insurance – officially termed as life insurance coverage – is a type of life insurance that does not require the applicant to undergo a medical examination.