Top No Exam Life Insurance Companies
Most life insurance companies require a medical exam for approval, and some companies will only issue a policy to someone who is in good health.
Even common health conditions like high blood pressure can prevent you from getting a life insurance policy from some providers.
But don’t fret, there are a handful of life insurance companies offer no exam life insurance plans to people who are in less than perfect health.
Here’s what we'll cover in this post:Quick Article Guide
Why Should You Choose No Exam?
For many people, convenience is a top priority, and skipping the medical exam is the most convenient option, especially for those with packed schedules.
A free medical exam for life insurance typically takes about 30 minutes and needs to be scheduled at least a week in advance. We understand that this can be nearly impossible for busy professionals, parents, truck drivers, first responders, and others with demanding jobs.
The pandemic prompted life insurance companies to streamline their application processes and increase the coverage amounts available without requiring a medical exam.
If you’ve delayed getting life insurance, now might be the ideal time to apply for a no-exam policy.
As always, our team of experts is here to help. With access to over 50 life insurance providers, we ensure our clients are matched with the best coverage option for their needs.
What Is No Exam Life Insurance?
No exam life insurance works just like a typical term life insurance policy. The only difference is that it doesn't require a medical exam for approval.
Your application for will be accepted or declined based on:
- your answers to some medical questions
- recent or current medications listed in your prescription history
- serious health issues you have been diagnosed or treated for
You don’t need to take a medical exam.
You can purchase it online or over the phone.
To apply, all you need to do is provide some identifying information and answer a few health questions.
Are there any cons?
It can be a little more expensive than traditional term life insurance.
These policies also have age restrictions, and the older you are, generally the less coverage available.
It’s also important to note that only a few dozen providers are willing to offer no exam life insurance to people over 50, and only a handful of those offer coverage to applicants over 60.
Our independent agency represents dozens of life insurance companies to make sure our clients are matched with the best policy available, regardless of their health or age.
Underwriting Process
The approval or underwriting process for this type of coverage is much faster than insurance policies that require a medical exam.
Instead of waiting for the results of your medical exam, most policies are approved within a few days, not weeks.
When you apply, you’ll need to complete a short questionnaire about your health history. You also need to provide some personal information to prove your identity.
Anything else I need to know?
In addition to this data, insurance companies will gather more information about you from 3rd party sources including:
- your medical records
- pharmacy reports
- medical insurance bureau
- your driving record
- criminal history
Working with an independent agency can save you money and decrease your chances of being declined. By working with dozens of providers, we’ll help you find the best policy available.
How Can I Apply?
The application process is very simple, you can apply for no exam life insurance online or with the help of a licensed agent over the phone.
All you need to do is answer some questions about your lifestyle and health.
With most companies, the application only takes a few minutes to complete, and some companies even offer immediate coverage.
If you’re not in excellent health or have an unfavorable medical history, don’t be discouraged. You can probably qualify for a policy from at least one of our providers.
Will the insurance company really find out about my medical condition?
Our advice to you is answer all of the questions honestly. If you’re currently treating a serious health issue, it won’t be able to hide it from the company you decide to apply with.
Being upfront with your agent will save you time and money. Our experts have access to each company’s guidelines, allowing us to determine who is the best fit for your health profile.
Concerned About Getting Declined?
There are several types of no exam life insurance plans:
- Accelerated Underwriting Policies
- Simplified Issue Life Insurance
- Guaranteed Issue Life Insurance
- Group life insurance
Looking for life insurance without a medical exam or health questions?
If you’re worried about getting declined because of a few medical conditions or some serious health issues, we also offer a type of no exam life insurance with guaranteed acceptance.
Guaranteed issue life insurance is a form of no-exam life insurance that you can't be turned down for. The application process does not require health questions or a review of your medical records.
What's the catch? This type of insurance plan usually requires a waiting period.
Read more about it in our dedicated guide to guaranteed acceptance life insurance.
Amounts of Coverage
How much life insurance can I buy without an exam?
Most providers offer a minimum of $25,000 for applicants with severe health issues, but some top-rated providers like Penn Mutual can offer up to $7,500,000 to applicants in average or better health.
The maximum death benefit available will differ depending on your current age.
For example, for applicants over 60, the maximum coverage available from most companies is only $100,000.
But for qualified individuals under the age 60, we can offer as much as $7,500,000.
Term insurance plans are also limited to specific term lengths depending on your age. As an example, by the age of 60, a 20-year term is usually the longest policy available.
We also offer permanent life insurance options without a medical exam if you want to leave an inheritance behind, provide for your burial cost, or protect your estate from taxes.
Do You Have Questions?
Our life insurance agents are licensed in every state and we work directly with dozens of top life insurance providers.
Call us today for a free consultation at: 855-247-9555. Find out more about no exam life insurance costs and available term lengths.
Or, continue below to the view a list of the no-exam life insurance companies that our experts recommend. Our company filter will help you determine the best option for your needs.
Best No Medical Exam Term Life Insurance Companies
Which companies offer no exam term life insurance?
Our registered agents prepared a list with competitively priced life insurance companies with no medical exam required.
Find out more about each life insurance company, their policy issue ages and coverage details in the table below.
You can filter companies based on your age, term length and maximum coverage amount.
After choosing a company, simply use the Apply Now button to get a quote estimate.
| Company | Issue Ages | Policy Length | Coverage | |
|
| |||
 |
From: 18 To: 70 |
10 Years - 30 Years |
$50,000 - $500,000 | |
 |
From: 18 To: 65 |
10 Years - 30 Years |
$25,000 - $500,000 | |
 |
From: 20 To: 60 |
10 Years - 30 Years |
$100,000 - $3,000,000 | |
 |
From: 18 To: 65 |
10 Years - 30 Years |
$50,000 - $2,000,000 | |
 |
From: 18 To: 80 |
10 Years - 30 Years |
$50,000 - $500,000 | |
 |
From: 50 To: 80 |
Whole Years - Life Years |
$5,000 - $50,000 | |
 |
From: 18 To: 70 |
10 Years - 30 Years |
$25,000 - $300,000 | |
 |
From: 18 To: 70 |
10 Years - 30 Years |
$50,000 - $3,000,000 | |
 |
From: 20 To: 65 |
10 Years - 30 Years |
$50,000 - $7,500,000 | |
 |
From: 18 To: 65 |
10 Years - 30 Years |
$100,000 - $1,000,000 | |
 |
From: 18 To: 60 |
10 Years - 30 Years |
$100,000 - $750,000 |
Written by:
Clifford Pendell
Managing Partner and Co-founder
Cliff is a licensed life insurance agent and one of the owners of JRC Insurance Group. He has helped thousands of families of businesses with their life insurance needs since 2012 and specializes with applicants who are less than perfect health. In his spare time he enjoys spending time with family, traveling, and the great outdoors.
Expert reviewed by:
Louis Lopes, CLU ChFC
Chartered Life Underwriter, Licensed Life and Health Agent
Louis has been in the insurance business for over 30 years. He specializes in “high risk” cases as well as more complex coverages for long term care, disability, and estate planning.
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