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MetLife No Exam Life Insurance Review


Shortcut: If you’re simply on the lookout for quotes, they are going to be proven straight away by filling out the shape on the left or above (cellular) this text. All quotes proven might be for no examination insurance policies. Metlife doesn’t enable us to show their pricing in our quote software however you possibly can see the speed desk additional down this web page. To study extra about our overview of the Metlife no examination life insurance product, please proceed studying.

Fast Abstract: Metlife is a widely known identify however in relation to no examination insurance policies, there are significantly better choices. The approval course of is fast and quick however the protection most is low (100okay) and the pricing is pricey in comparison with different firms.

What You Will Be taught (click on part hyperlink to soar forward)
Concerning the Firm
Concerning the Coverage
Underwriting Course of
Extras and Choices
Methods to Discover the Greatest No Examination Coverage

On the lookout for no examination insurance? This can be a ardour of ours and we have created the most effective useful resource on the subject anyplace. Evaluate firms facet by facet and study our opinion on the highest firms and insurance policies while not having a medical examination. When you need assistance, simply tell us.

Concerning the Firm

In 2017, the retail life insurance gross sales had been spun off and now offered below the Brigthouse Monetary firm identify. For probably the most half, the merchandise and pricing didn’t change, simply the branding.

150 years previous and going sturdy, Metlife is a reputation most individuals are aware of. A supplier of insurance, annuities, and worker advantages, their $900 billion in belongings land them within the prime 50 on the celebrated Fortune 500 checklist.

On account of its sturdy monetary footing, MetLife and Brighthouse obtain excessive marks from trade credit standing companies together with an A from A.M. Greatest which is taken into account glorious.

Concerning the Coverage

Product Identify

Simplified Problem Time period Insurance coverage


$10,000 to $100,000

Problem Age

18 to 70

Time period Size

Yearly renewable as much as age 90

Underwriting Course of

The underwriting course of with Brighthouse is fast and simple. You will need to reply “No” to a couple questions and they’ll run a verify of your Medical Data Bureau report. Right here they will see any earlier life insurance approvals or denials.

Medical Questionnaire

For instance: When you had been denied earlier than by one other insurance provider due to hypertension, this might be shared and seen by the corporate taking your new utility. 

The medical questionnaire is simply three questions that it’s essential to cross by answering “No” to every one. A “Sure” reply will imply a decline for the non-med product though you possibly can nonetheless search totally underwritten protection.

These questions might be:

  • Are you disabled or confined to a nursing house?
  • Have you ever ever examined optimistic for HIV?
  • Previously 2 years, have you ever ever been handled for (a listing of significant medical situations)

Choice Time

Because of the simplified questionnaire and digital underwriting, most choices might be reached the identical day or the next day.


Quick approval, typically occasions the identical day.

Easy utility course of with only a few questions on your medical historical past.

Will concern new insurance policies as much as age 70.


Low most dying profit.

Value of premiums is pricey.

No customization or rider choices.

Charges enhance each 5 years with no choice to lock them in for a long term.

Extras and Choices

Metlife’s simplified concern product has only a few choices to customise the coverage. You should purchase an Unintended Dying Profit rider which pays twice the face quantity within the occasion insured has an unintentional dying.


Metlife’s non-med premiums are dearer than most competing merchandise.

Charges are $1 for the primary month after which enhance on a set schedule ever 5 years on years ending in a “1” or “6”.

MetLife no medical exam rate table for men and women

Supply: metlife.com

Use our quoting software to match time period life quotes with out an examination from a number of prime firms

Methods to Discover the Greatest No Examination Coverage

If you’re contemplating life insurance with out the examination, MetLife is one choice.

However is it the greatest choice for you? 

Current developments in underwriting have elevated the alternatives for shoppers whereas bringing the fee down. Maintaining with all of the modifications within the trade isn’t simple. You want a trusted adviser searching on your wants.

The easiest way to do that is to work with an unbiased company that’s:

  1. Unbiased and never obligated to any explicit life insurance firm.
  2. ​Has entry to all the highest no examination merchandise in addition to some area of interest merchandise for sure folks/conditions.
  3. Is a specialist within the no examination space.

You are in luck:) 

Helping with life insurance approvals-Climbers helping each other to climb the mountain

We do all of the above and extra. If you would like to have a no strain discuss choices, please contact us or fill out the quote request kind on this website.

The publish MetLife No Examination Life Insurance coverage Overview appeared first on SimpleLifeInsure.com.

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