Instant
life insurance
Hamilton life never requires a medical exam for anyone. You can apply for personalized online life insurance coverage through Hamilton life without needing to schedule an exam—you’ll just need to answer a few health-related questions. Regardless of your health status, with Hamilton, you are eligible for a no-medical-exam life insurance policy.
Online no-exam term life
insurance
Fast, online life insurance with no medical exam
Coverage up to $2 million
Term length flexibility
Expert help when you need it
See if no-exam life insurance works for you
Our application is free and won’t affect your credit score.
Hassle-free life insurance
Some insurers will require a medical exam before approving you for a policy if you have an underlying health condition or work in a high-risk profession. The medical exam results are then used to determine your premium, which could result in a “higher risk” premium if the results indicate that’s warranted.
Hamilton life offers alternatives for those applicants who are considered a higher risk. Simplified issue and guaranteed issue policies are two popular options. Depending on the answers to your medical questions, you may qualify for a simplified issue policy. Others may be offered a guaranteed issue policy with coverage up to $30,000.
Hamilton life applicants don’t need a medical exam
After you answer a few health questions and submit your application, it’s reviewed to determine if it can be approved quickly. Depending on your situation, you may be asked to answer a few follow-up medical questions.
How to expedite your application
When you apply
Answer each question with as much detail and accuracy as possible. And be sure to have the following information handy:
- Driver’s license
- Social security number (to verify your identity)
- Personal and family medical history
- Current prescription information
After you apply
If you’re asked to answer any follow-up questions, be sure to take care of these requests as soon as possible. The policy underwriting process will be delayed until these steps get completed.