Best Life Insurance Company That DoesnÃ¢â¬â¢t Check Rx Reports 
If you think your medications will keep you from getting life insurance, you can find affordable life insurance companies that don't check RX reports online. Guaranteed acceptance policies can get you the coverage that you need to provide for your loved ones after you're gone, and many such policies offer as much as $25,000 in coverage. You can buy life insurance from life insurance companies that don't check RX reports and get the coverage you need right away.
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UPDATED: Jun 30, 2022
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- You can obtain life insurance right away with a guaranteed acceptance life insurance policy
- Life insurance can provide a financial cushion for your loved ones
- You can shop online to find the best insurance policy for you
In these modern times of turmoil and tribulation, it can be anxiety-inducing to think about what may happen to your family after you have passed on. Thankfully, life insurance can help you care for your loved ones even when you have passed away.
Now, if you are prescribed certain medications, life insurance may be hard to attain. In addition, the search for coverage could send you reeling with questions like “Where can I get a free prescription history report?,” or “Do life insurance companies check medical records after death?”
You may even think that attempting to purchase insurance from life insurance companies that don’t check Rx reports is impossible, but that is not the case. Some of the best life insurance companies in the business have policies that can assist you. Continue reading to discover affordable life insurance companies that don’t check Rx reports, and learn how you can obtain the coverage you need to provide for your loved ones after you pass away.
If you can’t wait to acquire life insurance coverage, enter your ZIP code to obtain free quotes from life insurance companies that don’t check Rx reports.
How can you get coverage without releasing medical records to life insurance companies?
If you’re concerned that your prescription history could prevent you from receiving coverage, you don’t need to worry. Whether you want final expense burial insurance or merely want to leave a legacy behind, you can acquire guaranteed coverage through reputable companies like these:
- Gerber Life Insurance Company
- Mutual of Omaha
- New York Life
As you can see, you actually have plenty of options when searching for a life insurance company, as life insurance companies that don’t check Rx reports are everywhere. You simply need to know where to look. Let’s examine each of these companies and determine what kind of life insurance products they can provide for you.
If you’re already a member of AARP and are between the ages of 50 and 80, you’re guaranteed acceptance for insurance coverage that will last you a lifetime. And if you live to be 95, you’ll actually be allowed to cease making payments on your policy. Since it’s available in all 50 states, you could obtain as little as $2,500 or as much as $25,000 in coverage.
AIG offers guaranteed acceptance life insurance to individuals who are between 50 and 85 years old. While there is a 2-year waiting period, you could receive as much as $25,000 in coverage, and your beneficiary would receive the paid premiums (along with10% interest) if you were to die during the waiting period.
Gerber Life Insurance Company
With Gerber Life Insurance Company, you can purchase anywhere between $5,000 to $25,000 in coverage if you are 50-80 years old. This company also has a 2-year waiting period, but the premiums paid — plus a 10% interest — would be paid out to your beneficiary during that period.
Mutual of Omaha
Mutual of Omaha actually allows individuals as young as 45 to sign up for a guaranteed life insurance policy. And while there is a 2-year waiting period with this company as well, Mutual of Omaha will actually award your beneficiary the premiums paid as well as 20% interest on those premiums.
New York Life
If you are between the ages of 50 and 80, you can only purchase a maximum of $15,000, which is typically just enough to cover most modern funeral services. Purchasing a guaranteed acceptance policy through New York Life would also entail agreeing to a 2-year waiting period, and your beneficiary would receive the total amount of premiums you paid with an additional 10% interest.
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Life Insurance Companies That Don’t Check Rx Reports: The Bottom Line
The medications you take don’t have to prevent you from purchasing life insurance that could provide for your loved ones after you’re gone. You can even receive competitive life insurance rates — as well as an impressive amount of coverage — from life insurance companies that don’t check Rx reports. However, there may be a waiting period, so you should always read the fine print.
If you want to obtain life insurance quotes from life insurance companies that don’t check Rx reports, you should shop online and compare them in the comfort of your home without a pushy salesperson pressuring you. That way, you can take your time to find the best policy for your needs.
You can enter your ZIP code today to acquire free quotes from life insurance companies that don’t check Rx reports.
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