Best Life Insurance Without a Physical Exam

Shawn Plummer

CEO, The Annuity Expert

Best Life Insurance Without a Physical Exam

The life insurance industry has adapted to offer more streamlined underwriting processes, including options that do not require a physical exam. Among these, Pacific Life is noteworthy, particularly for individuals aged 50-69.

Pacific Life’s Accelerated Underwriting for Ages 50-69

  • No Physical or Exam Required: For individuals between the ages of 50 and 69, Pacific Life offers policies that don’t require a physical exam or medical tests.
  • Precondition: Applicants must have seen their primary care doctor in the past 18 months and completed necessary health screenings.
  • Convenience: This process makes obtaining life insurance more convenient for those who may have difficulty with or wish to avoid traditional medical exams.

Benefits of Accelerated Underwriting

  1. Time-Saving: Eliminates the time required for scheduling and undergoing a physical examination.
  2. Less Intrusive: Offers a more comfortable and private insurance application experience.
  3. Quick Approval: Generally results in faster policy approval than traditional underwriting methods.

Other Companies with Similar Options

Many other life insurance companies now offer accelerated underwriting programs that may not require a physical exam, depending on the applicant’s age, health status, and the policy amount. These programs use technology and data analysis to assess risk, allowing quicker and less invasive underwriting.

Choosing the Right Policy

When looking for life insurance without a physical exam, it’s important to consider:

  • Age and Health Status: Eligibility for no-exam policies can vary based on these factors.
  • Policy Limits: Some no-exam policies may have lower coverage limits.
  • Cost: No-exam policies can sometimes be more expensive than traditional policies.


Pacific Life stands out for individuals aged 50-69 seeking life insurance without a physical exam, provided they meet the specific criteria. However, many insurers offer similar accelerated underwriting programs, making it easier than ever to obtain life insurance without undergoing a physical.

Contact us today for more information about life insurance options that don’t require a physical exam and to find a policy that fits your needs.

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Shawn Plummer

CEO, The Annuity Expert

Shawn Plummer is a licensed financial professional, insurance agent, and annuity broker with over 14 years of first-hand experience with annuities and insurance. Since beginning his journey in 2009, he has been pivotal in selling and educating about annuities and insurance products. Still, he has also played an instrumental role in training financial advisors for a prestigious Fortune Global 500 insurance company, Allianz. His insights and expertise have made him a sought-after voice in the industry, leading to features in renowned publications such as Time Magazine, Bloomberg, Entrepreneur, Yahoo! Finance, MSN, SmartAsset, The Simple Dollar, U.S. News and World Report, Women’s Health Magazine, and many more. Shawn’s driving ambition? To simplify retirement planning, he ensures his clients understand their choices and secure the best insurance coverage at unbeatable rates.

The Annuity Expert is an independent online insurance agency servicing consumers across the United States. The goal is to help you take the guesswork out of retirement planning and find the best insurance coverage at the cheapest rates

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