Do I Need a Medical Exam?

female doctor conducting medical exam

Some life insurance companies require you to undergo a physical and answer extensive health questions before they will consider your application for coverage. Other life insurance policies only require a few questions.  Gerber Life offers a simplified process, making it easier to get life insurance.

"Gerber Life offers a simplified process, making it easier to get life insurance."

Having coverage to protect your family in the event that something unexpected happens is important. Your current health and physical condition shouldn’t get in the way of that. Find out more information below so that you can make the best decision for your family.

Considerations for Life Insurance Without a Medical Exam

If you are looking for coverage but don’t want to take a medical exam, policies that are “simplified issue” or “guaranteed approval” may be good options for you. Simplified issue policies require only a few medical questions and do not require a medical exam in most cases. Term Life Insurance and Whole Life Insurance Plans are both “simplified issue” and the application can be completed in just minutes.

Another option to obtain coverage without a medical exam is a “guaranteed approval” product. As long as an applicant is within a certain age range, policies with “guaranteed approval” allow you to secure life insurance coverage. For the Guaranteed Life Insurance, an applicant must be between 50 and 80 years old.*

Lastly, Accident Insurance is another option that does not require a medical exam. This coverage protects you in the event of an accident. For Accident Protection Insurance, applicants between 19 and 69 years old are pre-approved. If you meet these age requirements, you are eligible for coverage, regardless of health, occupation or anything else.


* Guaranteed coverage requires that applicant is a U.S citizen 50-80 years of age, residing in the US or permanent legal guardian. Total limit of all combined Gerber Life Guaranteed life policies is $25,000.

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