Many people shopping for life insurance for seniors over 60 with no medical exam have three main options:
| Option | Typical use | Watch out for |
|---|---|---|
| Simplified issue term or whole life | Healthy-to-average seniors wanting moderate coverage | Health questions; higher premiums than fully underwritten policies |
| Final expense (burial) insurance | Covering funeral costs and small debts, often $5,000–$50,000 | Smaller face amounts; price per $1,000 is high |
| Guaranteed issue whole life | Seniors with serious health conditions (age limits often ~50–80) | Graded death benefit for the first 2–3 years; lowest coverage limits |
If you’re in good health, compare quotes with a fully underwritten policy too. Taking the exam can lower your premium significantly.
USA Life Insurance Medical Exam: Quick Facts
- Exam cost to you
- $0 (paid by the insurer)
- Exam length
- About 20–45 minutes
- Typical checks
- Height, weight, BP, pulse, blood & urine
- No-exam types
- Simplified issue · Guaranteed issue · Accelerated underwriting
- Contestability period
- Usually 2 years
- Free look
- Usually 10–30 days
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Start the USA Life Insurance Medical Exam practice test →More USA Life Insurance Medical Exam questions
- Can I get life insurance with no medical exam?
- What is no medical exam life insurance?
- Can seniors over 60 get life insurance without a medical exam?
- What do they check in a life insurance medical exam?
- Is no-exam life insurance more expensive?
- Who pays for the life insurance medical exam?
- What is a graded death benefit (Life Insurance Medical Exam)?
Disclaimer: This guide is for general information and is not financial, tax, insurance or investment advice. Exam details, fees, blueprints and product terms change. Confirm with the official organization or a licensed professional. Read our editorial policy.