No-Medical-Exam Life Insurance for Florida Seniors

Two flavors, very different

Simplified issue: 8–15 health questions on the application, no nurse exam, decision typically within 48 hours, coverage up to $50,000 for most Florida seniors and higher with select carriers. Pricing is only modestly above fully-underwritten policies.

Guaranteed issue: no health questions, no exam, no way to be declined — but coverage is capped at $25,000 and a two-year graded benefit period applies. Pricing is meaningfully higher because the carrier is taking on unknown risk.

Simplified issue is cheaper and larger. Most Floridians in reasonable health qualify for it if they simply ask — but many end up with guaranteed issue because that's what the first agent they called happened to sell.

What Florida carriers actually check

Even without a nurse visit, insurers pull your prescription drug history through Rx databases and your medical claims through the MIB (Medical Information Bureau). They can see what you've been prescribed, when, and by whom.

Answer every question honestly. A small omission today — an antidepressant you didn't mention, an old cancer screening — can void a policy at claim time, exactly when your family needs it most. The insurer's contestability period on undisclosed health facts is two years, and they use it.

“Never lie on an application. The claim adjuster will find it, and your family will pay the price.”

Who no-exam is genuinely built for

Get approved this week

Call the number above and a licensed Florida agent will run you through the simplified-issue questions in about six minutes. Most applicants have a decision within 24 hours and a policy in force within a week.