Compare No Exam Life Insurance Quotes

If you want life insurance coverage without needles, doctor visits, or waiting weeks for approval, no exam life insurance may be the perfect solution. Designed for convenience and speed, these policies allow you to skip the traditional medical exam while still getting the protection your loved ones need.

What Is No Exam Life Insurance?

No exam life insurance is ideal for people who want coverage quickly or prefer to avoid the inconvenience of a medical test. Whether you’re busy, afraid of needles, or need a policy to secure a loan or cover a business obligation fast — this option can get you insured within days, sometimes even minutes.

How Does No Exam Life Insurance Work?

Even though no medical exam is required, insurers still evaluate your risk using alternative data sources. Here’s what they typically check:

• Medical Information Bureau (MIB): A database that records previous insurance applications and medical conditions reported to insurers.
• Pharmacy Report: Shows prescriptions you’ve filled, offering insights into your health history.
• Motor Vehicle Report (MVR): Reviews your driving history for risky behavior or recent violations.
• LexisNexis Report: Collects data on credit, public records, and other lifestyle indicators to help assess risk.

These reports allow insurance companies to make quick and informed decisions — often providing instant approval online.

Different Types of No Exam Insurance Policies

Not all no-exam policies are created equal. There are three main types, each designed for different needs and health profiles:

Accelerated Underwriting Term Life Insurance

It is the most popular option for healthy applicants.

• Uses electronic data instead of an exam.
• Offers competitive rates similar to traditional term life insurance.
• Some insurers offer coverage amounts up to $4 million.
• Approval can be instant or within a few days.

Best for: Healthy individuals with clean medical records who want full coverage quickly.

Simplified Issue Life Insurance

Simplified issue policies require you to answer a short health questionnaire, but no exam.

• Coverage amounts typically range from $25,000 to $500,000.
• The insurer bases approval solely on your responses and data records.
• Premiums are higher than those for traditional policies because there’s greater risk for the insurer.

Best for: Applicants with minor health conditions or those seeking moderate coverage quickly.

Guaranteed Issue Life Insurance

Guaranteed issue (GI) life insurance offers automatic approval — no medical questions, no exams.

• Usually limited to ages 45–85.
• Coverage amounts are small, typically $5,000–$25,000.
• Premiums are higher, and there’s often a two-year waiting period before full benefits apply (except accidental death).

Best for: Seniors or those with serious health issues who insurance companies have declined.

The Pros & Cons of No Exam Life Insurance

Advantages of No Exam Life Insurance 

✅ Fast approval — get covered in minutes or days.
✅ No needles or doctor visits.
✅ Convenient online application.
✅ Great for healthy people who value speed.

Disadvantages of No Exam Life Insurance

⚠️ Higher premiums — since insurers take on more risk without a full medical exam.
⚠️ Lower coverage limits compared to traditional policies.
⚠️ Possible restrictions on older applicants or those with serious health issues.

Who Should Apply for No Exam Life Insurance?

You’re likely a great candidate if:

• You’re in good health and want fast coverage.
• Individuals with minor health issues who still want decent rates.
• Busy professionals who prefer a fully digital process.
• Anyone uncomfortable with medical tests.
• You need insurance for a loan, divorce decree, or business requirement right away.
• You’ve been postponing coverage because you dislike exams or doctors’ visits.
• You want to avoid sharing sensitive medical details in person.

How Much Life Insurance Can I Get Without an Exam?

Most companies offer between $50,000 and $4 million in coverage for healthy applicants. The amount depends on your age, health, chosen policy type and the insurer’s underwriting system:

• Accelerated Underwriting Term Life: Up to $4 million.
• Simplified Issue: Up to $500,000.
• Guaranteed Issue: Up to $25,000.

If you need higher limits, you can apply for multiple policies or consider transitioning to a traditional policy later.

How Much Does No Exam Life Insurance Cost?

Rates are typically 10–30% higher than fully underwritten policies, especially for simplified or guaranteed issue coverage. However, accelerated underwriting policies can offer rates nearly identical to traditional ones — if you’re in good health. 

Average monthly rates for a healthy non-smoker:

*Remember, rates vary based on gender, age, health, and state regulations.

Are There Any Restrictions or Limits?

Yes. No exam life insurance policies may include:

• Age limits: Often 18–65 (some extend to 75).
• Coverage limits: Usually capped at $2 million for healthy applicants, less for guaranteed issue.
• Waiting periods: Some guaranteed issue plans have a 2-year graded death benefit period.

How to Apply 

If you decide the convenience of a no-exam policy outweighs the slightly higher cost, getting started is easy:

1. Check rates. Use the Instant Quotes form on this page or give us a call, and we’ll run the quotes for you. If you have moderate to severe health conditions, contact us first so we can help identify which no-exam insurer will likely offer the best rate for your situation.
2. Complete your application. We’ll walk you through the application process over the phone. This typically takes 10–25 minutes, depending on the company.
3. Phone interview (if required). Some companies may ask for a brief phone interview to gather more details about your health. This is quick and straightforward.
4. Receive your approval. Once the insurance company reviews your application, they’ll let us know if you’re approved. If not, we’ll assist you in finding another insurer that’s a better fit.
5. Get your policy. Your finalized life insurance policy will be emailed or mailed to you, depending on the company’s process.

What If I Don’t Qualify?

Qualifying for a no exam life insurance policy is usually simple if you’re young and healthy. As you get older, though, health conditions can make approval more challenging — especially after age 55.

If you’ve had serious medical issues in the past or currently have one, the insurance company may require a medical exam before offering coverage.

That’s where Noel Insurance can help.

As an independent insurance agency, we work with more than 50 top-rated life insurance companies. Our team can prescreen your application, compare policies, and match you with the insurer most likely to approve you — at the best possible rate.

Be upfront about your health, smoking status, height, and weight. These factors often determine eligibility for no exam life insurance. Since underwriting rules vary widely, our agents will guide you toward the company that fits your situation best.

Common reasons applicants are declined include:

• Health concerns
• Recent bankruptcy
• Height and weight outside company guidelines

If you don’t qualify for a no exam policy, Noel Insurance can still help you explore alternatives like final expense or guaranteed issue life insurance — so you can find the right coverage for your family’s needs and budget.

Bottom Line

If you want quick coverage, dislike medical exams, or have mild health issues, a no exam life insurance policy may be the perfect fit.

If you’re young and healthy, taking a medical exam might lower your rate — but the cost difference between the two options is smaller than ever.

Use our Instant Quotes Form or contact Noel Insurance today. We’ll help you compare rates, find affordable coverage, and get insured fast — without sales pressure or sharing unnecessary personal information.