Can I Get Life Insurance Without a Medical Exam in California?

Often, yes, if you're under 65. Right now you can apply for up to $2 million in coverage with a simple application, and no medical exam is required unless something in your health history calls for one.

A lot of people who ask about life insurance without a medical exam have been putting it off for exactly that reason. They started an application somewhere and never finished. If that's you, you're in good company.

Darlene Baxter is a licensed California insurance agent and owner of Darlene Baxter Insurance Agency in Pleasant Hill, CA. She handles every life insurance client herself.

About 10 minutes. It's sent straight to your email, and most of the process can be done by phone, text and email. You don't need to come into the office.

Two situations. If you're 65 or over, an exam is always required. If you're under 65, an exam is only required when something in your health history calls for one.

The insurance company makes that call, not us. Answer the health questions accurately, because the company relies on them.

No. The insurance company reviews the application and makes the decision. We can't promise approval or a price. Those belong to the company. You'll always know where things stand.

There are three main kinds. Term life covers you for a set number of years and is usually the least expensive way to get a large amount of coverage. Whole life is built to last your whole life and builds cash value over time. Indexed universal life, often called an IUL, is also permanent coverage, with more flexibility in how you pay and how the cash value grows.

We show you what term and permanent options look like, with the monthly cost of each, before you decide anything.

Darlene Baxter is a licensed California insurance agent and owner of Darlene Baxter Insurance Agency in Pleasant Hill, CA.

It starts with a conversation about your family, your income, your debts and what you already have, including any coverage through work. There's no pressure. If you don't need life insurance, we'll say so.

Call the office at (925) 940-6970 or send us a message. If you've been waiting on life insurance without a medical exam, our life insurance page explains the rest.