How To Get No Medical Exam Life Insurance
Shawn Plummer
CEO, The Annuity Expert
Are you looking for life insurance but dont want to go through the hassle of a medical exam? Youre not alone. Many people are looking for an easier way to get life insurance, and thats where no medical exam life insurance comes in. This guide will discuss what no exam life insurance is, how it works, and some of the pros and cons of using it. We will also provide you with a list of the best companies with solid financial strength that offer this type of policy for your life insurance needs.
Which Companies Offer Term Life With No Medical Exam
Term life is the most popular type of life insurance. Here are some companies that offer term life with no medical exam:
- AARP
- Securian Financial
- Country Financial
Even though you wont have to complete a medical exam, you may have to answer some health questions to be approved for term life with no medical exam.
Should You Get No Exam Life Insurance
No medical exam life insurance is a big draw for some people, especially those with chronic health conditions or an extensive medical history. It can be more convenient to skip the health exam. However, it isnt easier to qualify for compared to a policy that may require a medical exam as part of the underwriting process.
You dont have to pay high premiums to get covered without a medical exam. Many of our policies have underwriting guidelines that dont require one and well let you know before you apply. Get a quote today and see how much you could save.
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Best No Medical Exam Life Insurance Of August 2022
The following insurers earned a NerdWallet rating of at least 4 out of 5 stars. NerdWallet scores companies on consumer experience, financial strength and complaint data. Financial strength can indicate an insurers ability to pay claims in the future, and a low number of consumer complaints means you and your life insurance beneficiaries are likely in good hands.
Who Thinks Medical Test Is A Hassle

Other than this, some people do not want to go through the hassle of medical examinations. They look for more accessible policy options in a quick time.
Life insurance without medical examination becomes their ultimate choice. Sometimes people do not want to disclose their medical condition to their family, friends, or business allies.
Their concern for their familys financial future makes them purchase life insurance with no medical no waiting period. It ensures that their survivors get a comfortable life even when they depart from the world.
There are several reasons that people have started showing significant interest in buying such policies.
Their rising demands and queries have been the reason that the insurance companies have introduced such plans for their customers.
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About Danny Ray Of Pinnaclequote
My name is Danny Ray, Owner/Agent of PinnacleQuote. Although we are based in Jacksonville, Florida. Duval County, the home of the Jacksonville Jaguars! We are licensed in 49 states.
We will provide you with the best coverage options with the Top A+ rated carriers. My goal is to provide you with enough understanding and knowledge to make the best choice for your family.
Can I get online life insurance quotes no medical exam? YES!
Complete the link on the left side of this page and you will have your quotes displayed instantly.
To give you an accurate quote and answer all your questions Call me today! You will be indeed guaranteed life insurance with no health exam. I will walk you through the entire process!
The moment your children were born, you had flashes of their future. Purchasing life insurance will ensure what you envisioned for your family be kept intact for years to come, long after you are gone.
The last way to say I Love You ~ Life Insurance.
We offer all types of policies besides no medical exam. This includes term, whole, and universal life, etc. If you have any life insurance question, ask!
Danny Ray ~Founder/Owner of PinnacleQuote
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You Hate Skipping Breakfast
Convenience is another reason why no-medical exam life insurance is so popular. Most medical exams suggest that you fast, which means no morning bagel or French vanilla latte for you until after the exam. Otherwise, your blood sugar levels could be impacted, which are measured to test for pre-diabetes or diabetes. Missing a meal can also affect your cholesterol levels, among other things.
In addition to measuring your blood sugar levels and cholesterol, a typical might also include:
- Measuring your height and weight
- Taking your blood pressure
- Checking your pulse / heart rate
- Submitting a urine sample
You’ll also likely be asked a series of questions about your medical history, as well as that of our family members.
No-Medical exam life insurance allows you to skip the inconvenience â not your favorite meal of the day.
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Simplified Whole Life With No Medical Exam
Again, the name helps here: You can apply for this policy without a medical exam by answering a health questionnaire. Butwe dont recommend this type of coverage at all. Why not? Because whole life insurance is one of the suckiest financial products on the market! It mixes two important jobslife insurance and investingand gives you a horrible payoff in both departments. Dont just skip the medical examskip this whole life thing completely.
Calculate How Much Life Insurance You Need
A no-exam life insurance policy may not be able to provide the full coverage amount you need, especially if youre looking to cover many working years or the years of raising a family.
Before you start getting life insurance quotes, calculate how much life insurance you need. A no-exam policy alone may not be able to provide sufficient coverage.
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Types Of No Medical Exam Life Insurance
The following types of no-hassle life insurance without a medical exam allow you to apply for coverage quickly:
- Simplified issue life insurance: Best if you’re young and in good health but want life insurance with no waiting period, this type of policy allows you to skip the medical exam if you’re willing to answer health questions and share your medical and pharmaceutical records. Your premium will be more expensive than a typical life insurance policy, but coverage will be available for longer than with a short-term policy.
- Guaranteed issue life insurance: If you have health issues that have caused life insurers to reject your applications, guaranteed issue life insurance can be a way to get coverage without bringing your health into question at all. You’ll still need to meet age restrictions, and your coverage may be significantly more expensive and limited.
- Employer-sponsored life insurance: If you have access to a group life insurance plan through your employer’s benefits package, it’s likely highly affordable and doesn’t require a medical exam. Coverage will be set at a percentage of or 1-2 times your salary potentially not as limited as guaranteed issue life insurance coverage. Note that these policies may only stay active while you’re still with the employer and typically only offer limited coverage amounts that you may want to supplement with another policy. Learn more about supplemental life insurance policies.
Which Life Insurance Policies Require No Medical Exam
Most life insurance policies require either a questionnaire that asks about medical history or a medical exam. If youre looking for a faster approval process, then you might want to look into a provider that offers guaranteed acceptance, regardless of age or preexisting health conditions. Simplified issue and guaranteed life policies generally offer approval with little to no consideration of these factors.
Essentially, these types of policies guarantee coverage, making them good options for those with health conditions or other factors that have caused them to be denied coverage elsewhere.
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Compare Your Options: Whats The Best Life Insurance For People Over 50
You should think about customizing your life insurance policy for your specific situation. But before you can choose a policy, you need to understand your options. You can choose from three basic life insurance policies. Lets take a look at those now to help you determine what coverage is best for you.
How We Chose The Best Life Insurance Companies

In order to compile our list of the best no-medical-exam life insurance companies, we developed a comprehensive life insurance methodology. We started off by researching what consumers want from life insurance companies, and for that, we looked to third-party consumer studies, including J.D. Powers 2021 U.S. Life Insurance New Business Study and the 2021 Insurance Barometer Study, by Life Happens and LIMRA.
With those findings in mind, we gathered more than 50 data points on 91 life insurance companies, including ratings for financial strength, customer satisfaction, and customer complaints, as well as information about years in business, online tools, no-exam options, dividends, maximum issue ages, and available riders.
Our review process gave preference to companies with solid financials, few customer complaints, high no-exam coverage amounts available, high-issue ages for no-exam coverage, and a broad product portfolio. Companies received ratings boosts for online resources, including online quotes and live chat, and included living benefit riders. We ranked each company according to the following categories and weights.
- 28%: No-med-exam availability and features
- 20% Policy types and features
- 15%: Financial stability
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What Makes Your Insurance Rate Lower
An Excellent Health Seniors who dont smoke and have no previous record of some serious illnesses are in a greater benefit of getting a cheaper insurance so much so that you will even be able to save approximately 35% on premiums.
The Last-to-Die Coverage This Policy suggests a lower premium rate since the policy has to pay a benefit to the policys beneficiary only once, after the death of the second spouse. As an example, a policy for two spouses aged 65 comes with a price similar to a single policy for a male policyholder aged 58.
Comparing the market Especially if you are older, your life insurance premiums become really high and thus comparing rates across several insurers may save you hundreds of dollars annually. We suggest to work with an experienced insurance broker who can compare the market for you and who has experience with life insurance policies for seniors.
If You Want: Coverage And You Have Significant Medical Conditions
Consider: Guaranteed issue life insurance and accidental death insurance, but start with a medically underwritten or simplified issue policy if you havent applied already
Heres why: If you want coverage, but are worried about your eligibility because of health issues, it may still be worth it to apply for a medically underwritten policy first before you consider other options.
You dont need to be in your 20s or super healthy to qualify for affordable rates if the coverage requires a medical exam or some kind of medical underwriting. While its time-consuming to apply for multiple life insurance policies, keep in mind that the end goal is peace of mind and financial protection . And, you want to get the most value possible.
If you have a number of health issues or pre-existing medical conditions or if youve been turned down for other life insurance policies guaranteed issue or accidental death coverage can be a valuable financial solution to help your loved ones with funeral or other expenses if you were to pass away.
Cost-conscious consumers with medical conditions also may prefer the generally lower premiums of accidental death insurance compared to term life insurance even though accidental death policies will only pay out after an accident. One advantage that accidental death insurance has over guaranteed issue life insurance is that you may find coverage up to $500,000.
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Best Life Insurance Companies For Seniors Over 80
When it comes to the best senior life insurance over 80, it is important to remember that not every insurance provider facilitates older policyholders.
You need to find the one that qualifies you for insurance, as well as offers you the best insurance options.
For this reason, here we have mentioned some of the best companies that you can choose according to your requirements.
Lets take a look.
How Much Does Life Insurance For Seniors Cost
The cost of life insurance for seniors depends on different scenarios. Lets take several senior profiles and show you what the rates could look like. Please remember, however, that all situations are unique, and in order to get a rate that is tailored to your situation, you need to talk to an experienced broker who is specialized in senior life insurance quotes.
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Whole Life Insurance For Seniors With No Medical Exam
Many Seniors find it difficult to get life insurance because of their age or health issues. Thats why Ethos offers whole life insurance, which can help your loved ones cover funeral costs and any other expenses they may have.
If you are 66-85, you can be approved quickly, regardless of your medical history. You need to answer a few health questions. And with a fast rate that will never increase, you are covered for life.
Guaranteed Acceptance Life Insurance
Guaranteed acceptance life insurance policies are typically more expensive, but can be appealing because health status is not used to determine eligibility. Also known as guaranteed issue or final expense insurance, guaranteed acceptance life insurance policies are often used to cover burial and other end-of-life costs. Guaranteed issue whole life is generally available up to $50,000, but some companies restrict it to lower amounts.
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How Much Does No
It is important to note that you will typically pay more for no-exam coverage compared to someone who buys the same level of protection and gets a medical exam. In fact, most guaranteed issue life insurance policies can cost up to twice as much as a policy that requires a medical exam. That is because your insurer takes on a risk when they issue you a policy without knowing much about your health history and current level of wellness.
Insurers pass the increased risk on to you in the form of higher premiums. Generally, trying to secure cheap life insurance without a medical exam makes the most sense if you know you have a pre-existing health condition that will be identified during a physical. Its important to note, however, that even policies that do not require an exam will usually require that you respond to a health questionnaire. You should answer all questions honestly, as your application may be denied if the insurance company determines that you lied in your application. If you are generally healthy, you can usually purchase cheaper coverage by getting a physical as part of the life insurance underwriting process.
To begin the process of finding the best life insurance policy without a medical exam at a price that meets your budget, you might want to get quotes from at least three insurers. That way, you can compare your options and make sure you get the most affordable coverage possible for you.
Difference Between No Exam & Traditional Life

Where no medical exam coverage differs from a standard life policy is that when you apply for no physical life insurance, instead of requiring an exam, the insurance company pulls the below reports to help decide on your approval:
- MIB – The MIB, short for Medical Information Bureau, is a non-profit group of insurance companies that share insurance data to help them with processing your insurance application. It shows information such as approvals or declines for a policy in the recent year or even medical exams you may have completed with other companies.
- Intelliscript – This company is all about your prescription drug history just think of their report as a credit report for any prescription you have filled in the past few years. This is important because even if you end up not taking a specific medication, it will go on your report if you fill the prescription. This report is used to confirm what medications you take based on how you complete the application.
- MVR – Your motor vehicle report is used as well, and its checked to make sure you dont have a risky lifestyle with things like DUIs, DWIs, or too many speeding tickets. Some companies will decline you for coverage if you dont have a current and valid drivers license this means if you currently have a suspended license, you should wait until your license is active before you apply for any type of insurance.
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Whats Involved In A Life Insurance Medical Exam
Knowing what to expect in a medical exam for life insurance can help you understand whether applying for life insurance with no medical exam is preferable.
- Having blood drawn
- Having your blood pressure checked
- Recording your weight and height
- Answering questions about your health and lifestyle
Individuals who are over the age of 50, have specific risk factors, or are applying for high amounts of coverage may need to undergo further testing, such as an electrocardiogram, for a policy that requires a medical exam.
What Are The Pros And Cons Of Getting A No
There are both pros and cons to getting a no-medical-exam life insurance policy. The biggest pro is that you can get coverage without having to go through a medical exam. This can save you time and money.
The biggest con is that no-medical-exam life insurance policies tend to be more expensive than traditional life insurance policies. This is because the life insurance company is taking on more risk by offering coverage without a medical exam.
No-medical-exam life insurance policies are a good option for people who are healthy and do not have any pre-existing medical conditions. However, if you have a pre-existing medical condition, you may want to consider a traditional life insurance policy.
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