No Medical Exam Life Insurance

no medical exam life insurance

Top Companies & Who Should Apply for No Exam Life Insurance

A busy work and life schedule may not allow you to take a medical exam for life insurance. Another deterrent could be traumas surrounding your blood being drawn for tests or a potential health issue. If this is you, you may need life insurance that does not require you to undergo a physical medical exam.

Life insurance medical exams- Are they necessary?

Usually, before getting traditional life insurance policies, one must undergo a basic medical exam. A proper medical exam is a compulsory part of the life insurance application and it is also part of the underwriting process. Your health status or condition and medical history determine the health categorization that you will get and the amount of money that you will pay for the life insurance.

The exam is short and convenient and it takes approximately 30-40 minutes. Besides, you can discuss this with the examiner at your meeting appointment. If the medical exam shows that you are in perfect health, then the insurance company will offer you cheaper premiums.

But, medical exams are not for everyone! You can get life insurance without going for rigorous medical exam tests. If you are scared about the life insurance medical exam, you can avoid it easily and go for life insurance with no medical exam life insurance policies.

How the No Medical Exam Life Insurance Works

No exam life insurance covers you under two main conditions. First, when you cannot qualify for a traditional life insurance policy with a medical exam, you can take the no exam life insurance. Second, if you want life insurance without any medical exam.

Remember that term life is cheaper than whole life. When you take a term life policy that does not require an annual health check, you will get excellent value for it. If you compare term life and whole life, you will find that a term life policy is cheaper than a whole life plan

The Meaning of No Medical Exam Life Insurance

Generally, the insurance policy does not require lengthy and rigorous medical exams. Some of the policies guarantee coverage for people who are not eligible for the insurance, otherwise, the premium may be lower as the policy will require an examination. Coverage for no exam life insurance is lower than the insurance policy which requires a physical exam. Besides that, coverage is longer and requires no insurance premium.

How much does a no-exam life insurance policy cost?

It depends on whether the insurer offers a no examination coverage policy or not, the premiums will be based on your income. Permanent life insurance will be cheaper to purchase as the premium is more likely to be paid for in cash and other components. In addition, your coverage amount is a factor in your payments. The more you want death benefits, the greater their premiums will increase. Policies that are not backed by medical experts can impact your payments. Insurance companies may analyze your medical history for more information. Therefore, if they find that you have a pre-existing health condition, they may lower increase or lower your policy cost depending on the seriousness of the condition. You should also note that simplified issues often have fewer premiums.

Which is the best life insurance without medical examination?

It is important to look into the cost of purchasing coverage before examining the difference between whole life and term life.  You should also compare the rates of term life insurance and see the one that best suits your needs.

For example, example a term life insurance quote is always better than whole life because life insurance is designed solely to compensate for the loss of income after a person has passed on.

As you live, you need to know that the situation is ideal and the reality is that death comes at any time. Therefore, life insurance either term life or full life helps prepare you and your loved ones for that period before and after your death. The insurance premiums can help them prepare for your send-off and also leave them with something small for survival. 

 Who Qualifies for a No Exam Life Insurance Policy?


 If you are too busy with work and school life, you can go for the no medical exam life insurance policy. You understand well that your schedule does not allow you extra time and you know the need for having a life insurance policy.

If you have an issue with your health and need to bypass it, the no medical exam allows you to bypass any medical checks. You can easily get covered at your convenience.

However, you should understand that the premiums for the no-medical exam insurance are higher and coverage amounts could be restricted. Therefore, you need to weigh both options and consider your amount of salary before considering the no medical life insurance policy.

Types of No-Exam Life Insurance

Our company offers alternatives to all our clients. The simplified issue and guaranteed issue are the two types of life insurance that do not need a medical exam. You need to understand their details since it will make you the best decision for the no-exam policy. If you find that the premiums are too high and your salary is low, you can take the following alternatives.

#1. Guaranteed Acceptance Life Insurance

You may fail to meet the qualification for the simplified issue life insurance or traditional policy, and you may want to consider a guaranteed acceptance life insurance policy. Pre-existing health conditions and unaffordable premiums are some of the reasons that may lock you out of the traditional policies and the simplified issue.

Moreover, older people might consider guaranteed issue life insurance, a type of whole life insurance with no medical exam.

Guaranteed acceptance life policies have higher premiums in comparison with the other policies since they are capped at $25,000 or less. In addition, the guaranteed policy has graded death benefits which means that if you pass on during the first two or three years after policy issuance, your beneficiaries can receive compensation equal to only paid premiums plus interest.

Guaranteed Acceptance Life is the best if you are looking for the following:

A means to cover your final needs– Guaranteed issue coverage amounts are lower in comparison to other categories of life insurance, but you can opt for it as a way of paying off your needs. Guaranteed acceptance life insurance can be a good option for: Older people in fair or poor health who want to leave behind cash to pay for their final expenses. In addition, research has shown that many people use guaranteed insurance as a form of final expense insurance. Your children and other beneficiaries can also get a small legacy if you opt for the guaranteed issue.

Absolutely No-Questions-asked coverage– Guaranteed issue coverage simply translates to the “no-questions-asked” coverage. When you apply for guaranteed acceptance life insurance, there is no medical exam. It ensures that you are covered regardless of your age or health status. The best part of the guaranteed coverage issue is that it lasts for the period that you pay the premiums. If you have terminal illnesses such as cancer or cardiovascular diseases, the guaranteed issue can assist your family to cater to their needs including paying for your send-off package.

#2. Simplified Issue Life Insurance

The simplified issue life policy offers you a detailed questionnaire with open and close-ended questions. You are supposed to fill in data concerning your medical history, your family’s medical history, and health information.

Notably, the simplified issue life insurance does not offer you an exam. In as much as you do not need to do any medical exam, the medical examiner also needs you to provide them with details of your past medical records to ensure that they have sufficient information.

In comparison with the traditional policy with a health exam, the simplified policy offers higher premiums. You can also get term life or whole life coverage depending on your policy.

A simplified Issue is best if you are looking for the following:

Coverage with pre-existing health issues– If you are concerned with your current health status such as diabetes, it is hard for you to get the traditional policy because of the prevailing medical exam. In such a case, the best option is the simplified issue coverage since it will protect you along with your family.

Quick Approval– Simplified issue has been designed for a fast approval process. You do not need to be anxious as you wait for weeks before the traditional policies are approved. It takes a few hours to get the simplified issue insurance.

Convenience– Everyone wants something that is highly convenient to their lifestyle. A recent study found that 47% of Americans would prefer to buy life insurance through a simplified process.

What Can Lead to the Nullification of a Life Insurance Policy?

Before choosing any policy, bear in mind that your truthfulness would make a difference between paying for your beneficiaries and making everything null and void. If our insurance company realizes that you failed to disclose details about your health status after your death, your policy could be nullified and your beneficiaries will not get any death benefits.

Factors to Consider when choosing the right no-exam life insurance company

You can opt for the best insurance company without a contract that suits your needs first and determine how much your death benefit should cost. This type of policy offers both temporary and permanent protection so it should be a consideration that suits your situation well.

For example, a long-term life is best, whereas a permanent policy can be a perfect fit for anyone interested in investing some or all their premiums. You must ensure that there are no insurance premiums for non-evaluation tests. Once you know what kind of coverage you want, then narrow the selection to companies that offer coverage at that amount.

Other Factors to consider;

  • Companies that offer living benefits at no extra cost
  • Offer online quotes easily
  • Offers different coverage tiers
  • No health questions
  • Has AM Best Rating of A for operational performance and financial capability
  • Flexible payment options
  • Full refund if you cancel the plan within 30 days
  • Has a convenient life insurance calculation for all applicants

The Top No Medical Exam Life Insurance Carriers

Anico (American National Life Insurance Company)

American National ANICO logo 1

Anico is among the top-rated life insurance carriers and it has the best and most affordable no physical term life insurance rate in America.

Anico’s term coverage is available from $50,000- $250,000 with no medical exam through their “Xpress” product. The company has a smart and convenient application system that uses e-signatures which makes the application fast and easy. Besides the Xpress product, Anico has the “Xpress Plus” that offers life insurance coverage of up to $1,000,000 and it does not need a medical exam.

What Makes Anico A Top Carrier?

  • Wait time for Xpress and Xpress Plus is 72 hours for people with good health and non-smokers.
  • Individuals up to age 65 years are eligible and can get it.
  • The Xpress policy is flexible and available in four-term lengths- 10, 15, 20, and 30 years.
  • They offer some of the best living benefit options
  • They accept certain medical conditions that other no-exam carriers won’t.
foresters financial logo

Foresters Financial

It has one of the most famous no medical exam life insurance products. You do not need to undergo any medical exam.

What makes Foresters Financial no medical exam life insurance unique?

  • Wait time– The company can make a decision to give you the no medical exam life insurance within minutes.
  • Policy Amount– The policy amount ranges from $50,000-$400,000.
  • Issue Ages– Foresters Financial issues its no medical exam life insurance to people aged between 18-80 years. Most companies do not insure people aged 80 years, but Foresters Financial does it.
  • Policy Length– The policy length is available in five terms- 10,15, 20, 25, or 30 years.

In addition Foresters, Financial no exam policy includes generous riders included with every policy purchase. These riders include:

  • Family health benefit
  • Accelerated death benefit
  • Common carrier accidental death benefit
  • Charity benefit provision.

Forester Financial Optional Add ons

However, Foresters Financial also has an optional add one for every additional cost which includes:

  • Waiver of premium- helps the insured to sustain the valuable life coverage if they are unable to work
  • Disability income protection- it covers accidents only for both illness and accidents
  • Accidental death benefit- an amount paid in addition to the standard benefit should you die of natural causes other than accidents.

Assurity Term Life Insurance

Assurity Life Insurance offers an accelerated underwriting term policy for those that can qualify.

Assurity LIfe Logo

Here are some of the policies:

  • Available terms are 10, 15, 20, & 30-years
  • Level policy premiums
  • Ages 18 to 50 can qualify for up to $500,000 in coverage
  • Ages 18 to 65 can qualify for up to $350,000 in coverage
  • Higher face amounts coverages are available but with additional underwriting
  • Accelerated benefits rider is included within the policy
  • Additional riders are available to

The following riders are also offered as additional benefits with this no medical exam policy that includes a critical illness rider, a monthly disability income rider, and a return of premium benefit.

After an online application is taken by your agent, a final decision will be made within 10-14 business days after your application has been submitted to underwriting.

If you’d like to receive an Assurity no exam life quote, please complete the form to the right or call us.

Fidelity Life

fidelity life

Fidelity no medical insurance is among the best in the United States.

The insurance has the following positives:

  • Multiple insurance riders- Fidelity Life has several riders that they can add and customize your policy including the accidental death benefit, return of premium insurance, and terminal illness riders.
  • Medical exams are not needed
  • Has a 30-day guarantee- most companies offer a10 day waiting period, but Fidelity Life offers a 30-day guarantee. If you receive your policy and you are not satisfied with it, you can cancel it within 30 days.

Fidelity Life Plan Include:

  • Accidental death benefit– your beneficiaries get a death benefit if the insured dies from a covered accident. The coverage ranges from $50,000 to $300,000 and covers people aged between 20-59 years only.
  • Final expense- Fidelity Life has the following insurance plans
  • RAPIDecision Final Expense- It is for people aged between 50 and 85 years and they can only get $35,000 in coverage
  • RAPIDecision Guaranteed Issue offers only $25,000Fidelity Life also has two-term life choices:
  • RAPIDecision Senior Life- Only available for individuals aged 50-70 years and the coverage is only $150,000. An individual can only choose between the 10-year term, 20 or 30-year terms.
  • RAPIDecision Life- It is people aged between 18-65 years and they can only get $2 million. They can only choose 10-year terms, 20, 15, or 30-year terms only. Fidelity Life has the following riders: Accidental Death Benefit Rider, inflation rider, Family Accidental Death Benefit Rider-, inflation rates, Return of Insurance Premium Rider

Their whole life insurance has age restrictions- It is only available to people aged 50-85 years. Limited Coverage amounts- If you want a huge amount to cover your family, Fidelity Life is not the place. They have small insurance coverage values. Fidelity Life has a huge worse-than-average complaint- According to the National Association of Insurance Commissioners, Fidelity Life has the most complaints from clients. The whole life policy is set at $150,000 while term life is up to $2,000,000. Therefore, they may not cover a whole family.

Lincoln Life TermAccel Life Insurance

Lincoln Life Logo

Lincoln Financial is one of the best life insurance policy providers with accelerated underwriting.

You can easily get a policy from Lincoln faster than from other companies. The company offers simplified underwriting available for people younger than 60 years. It has insurance options for people with health problems. However, Lincoln Life does not offer whole life insurance choices plus you cannot make an online application.

Lincoln Life offers the best no medical exam life insurance with accelerated underwriting. They have few complaints and offer a lab-free process for healthy individuals. They have insurance options for people with certain health conditions.

Lincoln Life No medical exam life insurance

 Lincoln Life offers Lincoln Term Accel Level Term Plan- It is for peopled less than 60 years of age and it gives coverage of $100,000-$1 million. It has 10, 20, and 30-year terms for people aged between 18-60 years.

Lincoln Life Elements Level Term Plan- Offers the insured coverage of up to $250,000.

Lincoln riders include waiver of premium riders, children’s level term riders, and death benefit riders.

It is important to note that Lincoln Life offers insured people the option to convert their policies into several other permanent insurance choices.  

SBLI (Saving Bank Life Insurance) Term Life Insurance with No Exam


SBLI has the best offerings for term life and whole life insurance policies. The company offers yearly dividends. The company has the best user interface website, you can good quotes as you apply online. SBLI insurance company offers competitive coverage rates for term life insurance. The company has the least client complaints which is an indicator of high client satisfaction. According to the National Association of Insurance Commissioners, SBLI’s complaint index stands at 0.597 for a three-year period.

SBLI offers term life insurance that offers you protection when you have financial obligations, for example, paying off a mortgage. It is affordable for most households.

Here are some specific details SBLI has no medical exam coverage.

  • Available in both whole and term life insurance
  • Age 18 to 60 can apply
  • Offers up to $500,000 in coverage
  • Term policies are offered in the following: 10, 15, 20, 25, or 30 -years
  • Term coverage is convertible to a permanent policy
  • Premiums are level and will never increase

Besides, SBLI has multiple riders that customize the coverages. These riders include accelerated death benefit, children level term rider, and waiver on premium rider among others.

Prosperity Life Insurance 1

Prosperity Life

It has several plan options, and flexible underwriting and is also available in New York.

Prosperity offers three whole life insurance which include Smart Life, whole life final expense policies, and whole life.

The company has various riders that enable you to customize your insurance plan. They have a low complaint rating meaning that most customers are satisfied with their services.

The only problem with Prosperity Life is that they issue policies through three other companies. 

Best Insurance companies for people with medical conditions:

AIG lol

AIG- American General Life Insurance Company

It has a pre-existing medical condition cover. The only thing is that you must answer a few screening questions. The role of the questions is to show whether the company will accept or decline your medical cover application.

In the recent past, AIG introduced some changes to their underwriting process to include mental health. The company made adjustments to include people who have had a suicide history, self-harm and resolved severe mental health issues.

gerber logo

Gerber Life Insurance Company

The no medical insurance plan by Gerber life caters to people with diseases. They also care for mental health conditions.

great western

Great Western Insurance Company

Great Western offers no medical exam life to people with pre-existing conditions.

Frequently Asked Questions

What is no medical exam life insurance?

A life insurance policy that does not require you to take a mini-physical exam to qualify for the coverage. You just fill out a questionnaire and you get your policy. You can get whole life or term coverage, but this depends on the company that you have chosen.

Who is eligible for no medical exam life insurance?

Anyone looking for life insurance coverage is eligible for no medical exam life insurance. The best thing about no medical exam life insurance is that it can insure seniors and healthy individuals. It also adds a protective layer to people suffering from terminal illnesses such as cancer and cardiovascular diseases.

Are there differences between simplified issue insurance and guaranteed coverage insurance?

Yes. The simplified issue insurance demands that you should fill out a questionnaire about your health conditions, medical history, and your family’s medical history. While the guaranteed acceptance life insurance is similar to no medical exam coverage in that you don’t need to take a physical exam, blood, and urine tests in order to apply.

Can I get a no medical exam life insurance policy?

You can get the no medical exam life insurance when you need it. However, you need to know that the coverage can be limited and the rates rely on the coverage that you receive and your choice of plan. The advantage of this insurance is that it is convenient and quick. It also takes a short time for approval meaning that if you have a busy work schedule, then this is the best choice for you.

 Can my life insurance benefits be voided if I fail to disclose my medical condition?

Yes. All insurance companies demand that one must disclose their medical conditions as they fill the no medical life insurance. If you withhold that information, the insurance company can avoid paying your benefits to your beneficiaries in the event of your death.