Best Life Insurance Companies That Come to Your House in 2024

If you’re disabled or unable to travel, you might be wondering if there are any life insurance companies that come to your house. The best life insurance companies will work to accommodate your needs.

To help you find the best life insurance company for your needs, we’ll simplify how life insurance is sold and when to expect a life insurance company to come to your house.

Keep reading to learn more about life insurance companies that come to your house or enter your ZIP code above to get instant quotes from top insurers for free.

Life Insurance Companies That Come to Your House

Comparing life insurance companies is an important step towards finding the best rates and customer service experience. You need a reliable provider that is financially stable and supportive of your needs.

For some people, this could include different needs for agent availability and policy access. For example, a disabled person might not be able or willing to leave their home to discuss their medical history, fill out insurance forms, or take a life insurance medical exam.

Thankfully, some life insurance companies will come to your house to make matters easier. Not all life insurance providers are willing to come to your house, and in some cases, it won’t even be necessary.

No matter what type of life insurance policy you’re buying, life insurance agents and policies are available at virtually any time online. This means that you can purchase and access a policy from home in many scenarios.

That said, there are some times during the buying process in which a prospective policyholder might need to leave their home to complete the underwriting process.

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How is life insurance sold?

Most popular life insurance companies follow similar underwriting guidelines. This often includes requesting a quote, confirming that your information is accurate, conducting a medical exam, and formalizing the agreement between the insurer and policyholder.

As long as you have a computer, internet, and a printer, you should be able to do most of these tasks from home. Life insurance medical exams may or may not be performed at home.

There are some life insurance companies that don’t come to your house for medical exams. This could be due to company policies or simply because of the area you live in.

Some life insurance providers that do promote at-home medical exams include:

• Progressive
• Haven Life
• USAA
• John Hancock

There may be additional life insurance companies willing to travel to your house for a medical exam, but there are very few that promote this feature. To supplement, USAA life insurance is offered exclusively to military veterans.

What if I can’t get a medical exam at home?

Medical exams can be an important part of the underwriting process. Your exam results will directly impact your life insurance plan rates. If you’re in good health, find a way to get your medical exam, even if it means traveling to a designated medical exam center.

If you absolutely can’t travel for your life insurance medical exam, there are many different no medical exam life insurance policies. Of course, this added flexibility comes at a significant expense.

In short, bypassing the medical exam essentially means the life insurance provider is using your disclosure of medical conditions, and your opinion of your health, rather than evidence to evaluate the risk you carry.

This is fine for some people, but it does come at an added cost. On the positive side, you can almost always buy no medical exam life insurance policies from the comfort of your home.

Companies like Prudential life insurance and Mutual of Omaha life insurance are among the many that offer no-exam life insurance policies online.

In addition, a wide range of group life insurance products offered by employers will not require a medical exam. So, you may already have some coverage.

How do I compare the best life insurance companies?

To compare the best life insurance companies, you’ll want to start by reviewing common life insurance company ratings.

Average Term Life Insurance Rates and A.M. Best Ratings by Company

A.M. Best ratings are a great start because they ensure a company’s financial strength. This ultimately helps determine whether or not your provider will be able to supply a death benefit when it’s time to pay.

Virtually all of the companies listed in the table above are among the best for term life insurance based on their competitive A.M. Best ratings. It would be helpful to compare rates for these providers to find the most affordable option.

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How much does life insurance cost? This depends greatly on many factors like your age, gender, health status, and more. Young adults could pay less than $10 per month, while older adults may pay closer to $100 monthly.

Cheap term life insurance is typically provided to young adults who are in good health, but that doesn’t mean you can’t qualify.

You will most likely want to get quotes from multiple providers to find the best rates. While you’re at it, you can ask your agent if they perform at-home medical exams for life insurance.

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Life Insurance Companies That Come to Your House: The Bottom Line

Life insurance policies can be purchased predominantly from home, with the exception of medical exams. You’ll need to speak with local agents to determine if they offer at-home medical exams in your area.

Choosing one of the life insurance companies that come to your house might not be the most affordable option. Use our free quote tool to get instant rates from the top life insurance companies in your area.

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