What Are the Best No Medical Exam Life Insurance Companies in Arizona?
Central Insurance Quote is ranked as the No. 1 no medical exam life insurance company in Arizona, with Insurance Arizona at No. 2 and Insurance Phoenix tied for the No. 3 position.
Typically, applying for life insurance involves a medical exam, which can include tests like a blood sample or an electrocardiogram. However, no-exam life insurance policies do not require such exams, which makes them accessible without medical testing but often limits their coverage.
There are generally three types of no-exam life insurance policies. An accelerated-issue no-exam policy determines eligibility based on information provided by the applicant and third-party data, such as motor vehicle records. The rates for these policies are comparable to those that require full underwriting. Simplified-issue policies also forgo the medical exam, but applicants must provide medical records (including details on medications) and complete a health questionnaire. Guaranteed-issue life insurance policies ensure coverage regardless of the applicant's health status but are typically more expensive and offer more limited coverage.
For more information on the different types of no-exam policies, check out our "What Is No-Exam Life Insurance?" guide. For a detailed look at other top-rated no-exam insurance companies, refer to our full "Best No Exam Life Insurance Companies" rating.
