No Medical Exam Life Insurance
Get life insurance coverage quickly without medical exams, blood tests, or doctor visits. Approval in minutes, coverage within days.
What is No Medical Exam Life Insurance?
No medical exam life insurance (also called no-exam or simplified issue) allows you to get coverage without undergoing a medical examination. Instead, you answer health questions online or over the phone, and approval typically happens within minutes to days.
This type of insurance is ideal for people who want coverage quickly, can't qualify for traditional policies, or simply want to avoid medical exams.
Types of No-Exam Policies
Simplified Issue
Answer 5-15 health questions online. Insurer checks medical databases (MIB, prescription history). Approval in minutes to days.
Coverage: Up to $500,000-$1,000,000 | Age: 18-65 | Cost: Moderate
Accelerated Underwriting
Technology-driven process using data analytics and health records. No medical exam needed if you're healthy. Traditional underwriting alternative.
Coverage: Up to $1,000,000+ | Age: 18-60 | Cost: Low (same as traditional)
Guaranteed Issue
No health questions. Everyone accepted regardless of health conditions. 2-year waiting period (graded death benefit).
Coverage: $5,000-$25,000 | Age: 50-85 | Cost: Highest
Group Life Insurance
Employer-sponsored coverage with no medical exam during open enrollment. Guaranteed issue up to certain limits.
Coverage: 1-5x salary | Age: Any | Cost: Often free or low
How It Works
- 1
Apply Online or by Phone
Complete a simple application in 10-15 minutes. Answer basic health and lifestyle questions.
- 2
Instant Review
Insurer reviews your answers and checks medical databases, prescription history, and driving records.
- 3
Get Approved
Receive instant or same-day approval decision. Some applications take 1-3 days.
- 4
Coverage Begins
Sign documents electronically. Coverage typically starts within 24-48 hours of approval.
Who Should Consider No-Exam Insurance?
Busy Professionals
No time for medical appointments
Minor Health Issues
May not qualify for traditional coverage
Immediate Need
Need coverage quickly
Hate Needles
Avoid blood tests and medical exams
Advantages
Fast Approval
Get coverage in minutes to days instead of weeks
Convenient Process
No medical appointments, blood tests, or doctor visits
Easier Qualification
May qualify with minor health issues
Privacy
Less invasive underwriting process
Disadvantages
- • Higher premiums than traditional policies (10-40% more)
- • Lower coverage limits (typically $500,000 max)
- • May not be available for older applicants (65+)
- • Still requires health questions (except guaranteed issue)
- • Healthy people pay more than with medical exam
Should You Choose No-Exam?
If you're healthy: Consider traditional life insurance with a medical exam. You'll get better rates and higher coverage limits.
If you have health issues or need coverage fast: No-exam insurance is a great option despite higher costs.
Best strategy: Apply for no-exam insurance first for immediate coverage, then apply for traditional coverage later if you can get better rates.
Average Cost
No-Exam Term Life ($500,000, 20-year)
$35-85/month
10-40% more than traditional policies
Example: 35-year-old healthy male, $500k coverage: Traditional policy = $30/month, No-exam policy = $40/month (+33%)
What coverage level do you need?
Choose the protection that matches your requirements