Health Questions To Qualify For Best Rate Whole Life Insurance Policy


For information on the types of health questions asked to qualify for a best rate Whole Life Insurance Policy call 678-468-5163.No Medical Exam Required.

If you want to qualify for the best rate on a Whole Life Insurance Policy you will need to answer some health questions. These questions may vary depending on the insurance companies underwriting requirements for coverage. Remember, we always try to get you the lowest cost policy first with our A rated life insurance carriers. The great thing is you will never have to do a medical exam to qualify for coverage. Qualifying age 50 to 85.

Best Rate Whole Life Insurance Quote Examples – With Health Questions

Non Smoker – Level Plan
Age 50 $5,000 $11.23 p/m
Age 55 $5,000 $14.10 p/m
Age 60 $5,000 $17.82 p/m


Some Types Of Health Questions To Qualify For Beat Rate Whole Life Insurance Policy

  1. In the past 12 months, you used any form of tobacco, or nicotine replacement therapy?
  2. Are you currently bedridden or confined to any hospital, nursing home, long-term care facility?
  3. Do you require assistance with activities such as taking medications, bathing, dressing, eating, toileting, getting in and out of a chair or bed?
  4. Have you ever been diagnosed as having Acquired Immune Deficiency Syndrome (AIDS)?
  5. Have you ever been diagnosed with diagnosed with or receive treatment for Alzheimer’s Disease, Dementia, Huntington’s Disease, Sickle Cell Anemia, Myelodysplastic Syndrome (MDS), Lou Gehrig’s Disease…
  6. Have you ever been diagnosed with insulin shock, diabetic coma, or had an amputation due to diabetic complications or diagnosed with End Stage Renal Disease or requiring dialysis?
  7. Have you ever receive an organ or bone marrow transplant?
  8. Have you ever been diagnosed with terminal medical condition that is expected to result in death within the next twelve (12) months?
  9. In the past 12 months have you been diagnosed by a physician or health care provider as having heart disease or heart surgery of any kind?
  10. IN the past 2 years, you been diagnosed by a physician or health care provider to receive treatment for any form of cancer (except basal or squamous cell skin cancer)?

These are just some of the basic health questions that the insurance company may ask you on the application in order to qualify you for the best rate on a whole life Insurance Policy – No Medical Exam Required. Keep in mind that you always have the options to apply for a Guaranteed Acceptance Whole Life Burial Insurance Policy which require No Health Questions and No Medical Exam to qualify.

After the application is submitted, the insurance company will check your prescription records on the MIB (Medical Information Bureau Inc) against the answers you gave to their health questions on the application for coverage.

  • MIB – The insurance consumer reporting agency that shares consumer medical information among member insurance companies in the US.

After looking at the MIB records, the insurance company can either:

  1. Approve your application for whole life insurance coverage
  2. Offer you the same coverage at a higher rate
  3. Offer you a policy with some restriction – A Graded Benefit Policy
  4. Deny you coverage.

All our Whole Life Insurance policies are Simplified issue Whole Life. A Simplified issue policy application makes it easier to qualify for coverage as are No Medical Exam required to qualify for coverage. You do not have the inconvenience of having to go see a doctor and do a medical exam. You only need to answer a few medical questions on the application to qualify.

Best Rate Whole Life Insurance Quote Examples – With Health Questions

Non Smoker – Level Plan
Age 65 $5,000 $22.11 p/m
Age 70 $5,000 $28.22 p/m
Age 75 $5,000 $37.81 p/m

 Benefits of having a Whole Life Insurance Policy:

    • Full coverage start on the policy issue date with no waiting period
    • You policy face value never decrease
    • Your standard whole life burial policy builds cash value
    • Permanent Life Insurance
    • Your monthly premium (payments) will never increase
    • You can never outlive your burial policy
    • Policy pays your beneficiary as long as premiums have been paid
    • Policy cannot be revoked by the insurance company
    • Guaranteed Death Benefit
    • Your policy last your whole life
    • Policy cannot be cancelled except for non payment

Get Whole Life Insurance Coverage
UP TO AGE 85 WITH NO MEDICAL EXAM if you qualify

Best Rate Whole Life Insurance Quote Examples – With Health Questions

Non Smoker – Level Plan
Age 80 $5,000 $50.82 p/m
Age 83 $5,000 $62.26 p/m
Age 85 $5,000 $69.55 p/m

Burial-InsuranceIf you need a low cost Whole Life Insurance policy with or without health questions, fill out the contact form above for a Quick Quote from a Licensed Senior Life Insurance Professional in Your State. Your policy can cost as little as
$1 a day.

Request A Free Whole Life Insurance Quote From A Licensed Life Insurance Agent In Your State!

By requesting “A Free Whole Life Insurance Quote” I understand that a call from an independent Licensed Life Insurance Agent may be generated by the use of an automated technology. I understand that I am not required to make a purchase. I consent to receive offers of life insurance from matched partners that provide burial insurance for seniors. Carriers may include but not limited to Lincoln Heritage, AIG, Foresters, Cigna, Baltimore Life, Monumental Life, Mutual Of Omaha and more at the email and phone number I provide, including my wireless number if provided.