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Whole life insurance with no medical exam

When applying for a traditional life insurance policy, you may be asked to take a medical exam and answer a series of health-related questions. This might be unnerving for anyone with health issues or who feels uncomfortable taking a health exam. Fortunately there is a certain type of whole life insurance in which no medical exam is required.

Guaranteed issue whole life insurance does not require a medical exam or require any questions to be answered about your health as part of the application process. Coverage is subject to receipt of payment and verification of identity as required by law and is effective upon receipt of policy.

5 Reasons to consider guaranteed issue whole life insurance

You might want to consider guaranteed issue whole life insurance if any of the following situations apply to you.

  • You have health issues
    Medical exams and health questionnaires are often required by life insurance companies as part of the policy application process for traditional types of insurance. An insurance company may use this information to evaluate how much risk they might take on if they offer you a policy. Health concerns such as high blood pressure or high cholesterol can potentially drive up the policy premiums offered, which can make life insurance more difficult to afford.
  • You used to have health issues
    Even if you are currently in good health, any previous conditions in your medical history can potentially cause an insurance company to charge higher life insurance rates.
  • Your family health history includes certain conditions
    Insurance companies will often ask if there are health conditions such as cancer, heart disease or other issues that run in your family. An insurance company may charge more for a policy if your family medical history suggests potential future health risks for you.
  • You’re a smoker
    Rates for life insurance can be driven significantly higher for smokers because of the health complications that can result from habitual smoking.
  • You need immediate coverage
    Medical underwriting can take time, and traditional life insurance policies can take several weeks to become activated.

Guaranteed Issue Whole Life Insurance from AIG Life Insurers doesn’t require a medical exam as part of the application process, and you won’t be asked any health questions. In fact, if you are between ages 50 and 85, you can’t be turned down for coverage due to your health. Plus, a Guaranteed Issue Whole Life insurance policy can often be activated in just a matter of days.
If you think a whole life insurance policy with no medical exam might be the right option for you, contact an AIG-appointed life insurance agent today at 888-428-8870 to learn how AIG Life Insurers can guarantee you coverage regardless of your health.

Policies issued by: American General Life Insurance Company (AGL), Policy Forms: ICC15-15532, 15532,15532-5, 15532-10. Rider Numbers: ICC15-15200, ICC15-15201, 15200, 15200-10, 15200-35, 15201, 15201-9, 15201-10 and 15201-35. Issuing company AGL is responsible for financial obligations of insurance products and is a member of American International Group, Inc. (AIG). AGL does not solicit business in the state of New York. Products may not be available in all states and product features and rates may vary by state. Guarantees are backed by the claims-paying ability of the issuing insurance company. © 2018 AIG. All rights reserved.


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