How To Get Life Insurance With No Exam Required

Shawn Plummer

CEO, The Annuity Expert

Are you looking for life insurance but don’t want to go through the hassle of a medical exam? You’re not alone. Many people are looking for an easier way to get life insurance, and that’s where no medical exam life insurance comes in. This guide will discuss what no medical 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 that offer this type of policy.

What Is No Medical Exam Life Insurance?

No exam life insurance policies do not need a physical to qualify for coverage. These types of policies are developed to provide convenience to healthy applicants only.

These policies are not for applicants with pre-existing medical conditions.

With a life insurance medical exam, you must get your weight and height checked. You must also give blood and urine samples. Your blood pressure should be checked too. Other things might happen, such as an electrocardiogram test to see if you can buy insurance. Insurance companies use the results to decide if you can have life insurance.

Insurance companies use the exam to learn more about you. They don’t just look at your answers and prescription history. They also ask you health questions. For example, they want to know how healthy you are and if you have ever had any health problems.

Prices for life insurance policies without medical exams can vary. Some are for people who do not want to be asked about their health, while others focus on those with good health.

Term Life Insurance With No Exam (EVER)

Find term life insurance coverage that does not require an exam, ever. If you have pre-existing conditions, do not apply.

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Term Life Insurance With No Medical Exam (Most Scenarios)

Find term life insurance coverage that does not require an exam in most scenarios. If you have pre-existing conditions, feel free to apply.

Find Life Insurance Coverage with No Medical Exams

Apply for affordable term life insurance with no medical exams (most situations). “A” rated insurance companies.

Whole Life Insurance With No Medical Exams

This type of final expense life insurance does not require a medical exam and is designed to pay for funeral expenses. It is a type of permanent life insurance, which means it does not expire as long as premiums are paid.

Find Whole Life Insurance Coverage with No Medical Exams

Apply for affordable whole life insurance for seniors with no medical exams.

No Medical Exam Accidental Death Insurance Quotes

This insurance (Mutual of Omaha) only covers deaths as a direct result of an accident or trauma. Because deaths from natural causes are not covered, you cannot be turned down for your health.

Types Of Life Insurance Without Medical Exams

Guaranteed issue life insurance

Guaranteed acceptance life insurance policies are small life insurance policies with a value of under $25,000. People sell them to older people to cover final expenses like funeral costs. These policies issue up to age 85.

Some insurance policies have a graded death benefit. Graded means that the full death benefit will not be paid out in the first few years unless you die from an accident.

There are two types of life insurance: guaranteed issue and medically underwritten. The type that you get depends on how healthy you are. If you are not very healthy, buying a life insurance policy is more expensive than a healthier applicant.

Simplified issue life insurance

Simplified issue life insurance policies do not require a medical exam. However, you may need to answer a short health questionnaire and possibly a phone interview during the application process. Most of the questions are about your medical history, recent hospitalizations, and height and weight. Companies may also ask about your drug, alcohol, and tobacco use.

Insurance companies sometimes ask for your medical history, what type of car you have, and other information. Approval is not guaranteed. Sometimes it’s a whole life insurance policy that offers a lot of coverage, but the cost is more expensive than if you were young and healthy.

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Instant-approval term life insurance

Some life insurance companies have an easier way to buy a life insurance policy. This process is called accelerated underwriting. It makes the process of getting a policy easier and faster.

Accelerated underwriting uses a set of guidelines that helps insurance companies decide if you can have coverage and how much it should cost. The application process for instant life insurance often includes a few health questions. The insurer will gather data about you to calculate the risk of insuring you. The data they collect is your driving record, prescription drug history, and information from previous life insurance applications.

You may still need to have a medical exam. In addition, the insurance company might not give you approval for the policy.

Group life insurance

Life insurance that you can get from your employer is called group life insurance. The rates are set for the group, and the employer pays most of the cost. It will be one to two times your annual salary for basic coverage. You do not need to take a medical exam if you want coverage.

Your employer might also give you the chance to buy additional insurance not included in your health insurance. This upsell is called supplemental life insurance. You might need to provide medical information or go through a medical exam before getting coverage. Insurance rates are based on the group as a whole, so it may be cheaper to buy an outside policy if you are young and healthy.

Ideal Candidates For This Coverage

If you are healthy with no pre-existing medical conditions, feel free to apply for coverage without the medical exam. However, do not apply for this coverage and pursue life insurance with a medical exam if you have pre-existing medical conditions. The following is an ideal client for instant coverage.

  • Ability to read and answer the online questionnaires in English without translation aid.
  • Apply from within the U.S.
  • U.S. Citizen or Green Card Holder
  • Permanently resides in the U.S., excluding N.Y.
  • Preferred, standard, and low substandard risks only
  • No indication of high life insurance shopping activity with poor disclosure
  • Not recently declined by another carrier for medical or criminal history reasons
  • No history of illegal activity in the past ten years
  • No DWI or DUIs in the past five years
  • No indication of adverse financial profiles or credit issues
  • BMI is between 18.5 to 39.9
  • Tobacco-Users included

Applicants That Might Get Approved For Coverage

These medical conditions may allow you to avoid the medical exam. However, applicants should pursue coverage with a medical exam to prevent being declined from coverage.

  • Chest pain, non-cardiac related
  • Depression, mild with first-line treatment
  • Anxiety, mild with first-line treatment
  • Attention deficit disorder, mild with first-line treatment
  • Obsessive-compulsive disorder, mild with first-line treatment
  • Seizure disorder, well-controlled
  • Upcoming surgery or procedure
  • Type 2 diabetes age 30 and over, well-controlled, treated with oral medication only (no insulin)
  • Hepatitis, acute and recovered
  • Sickle cell trait (not disease)
  • Skin disorders, including basal cell or squamous cell carcinoma
  • Disability payments within the past 12 months
  • Well-defined mild marijuana usage

Find Life Insurance Coverage With These Conditions

If you have one of these medical conditions and want to skip an exam, apply here.

Applicants That Will Be Declined Coverage (Most Likely)

The following medical conditions will be declined for coverage almost every time. Applicants should pursue policies with a medical exam and endure through the entire medical underwriting process.

  • Alcohol abuse
  • Amyotrophic lateral sclerosis
  • Aneurysm
  • Bipolar disorder
  • Cancer (other than basal cell & squamous cell)
  • Cardiomyopathy
  • Chronic hepatitis
  • Chronic kidney disease
  • Chronic obstructive pulmonary disease
  • Diabetes (Type 1)
  • Eating disorder
  • Heart disease or failure
  • HIV positive or medically diagnosed as having AIDS
  • Huntington’s disease
  • Liver cirrhosis
  • Multiple sclerosis
  • Organ transplant
  • Peripheral arterial disease
  • Post-traumatic stress disorder Psychosis
  • Schizophrenia
  • Sickle cell disease (not including the trait)
  • Stroke (mini-stroke/TIA may be insurable)
  • Systemic Lupus
  • Any use of cocaine, methamphetamines, heroin, opioids, hallucinogens, or any controlled substance not prescribed by a physician
  • Currently in a hospital, long-term care facility, or hospice
  • Confined to a wheelchair, had any memory impairment, or used supplemental oxygen within the past 12 months
  • Received assistance or supervision with dressing, eating, bathing, toileting, or moving around the house within the past 12 months
  • Unexplained weight loss

Trying To Get Coverage Without The Hassle Of An Exam

If you have one of these medical conditions and want to try to get coverage, apply here.

Need Help Getting Life Insurance Coverage?

No Medical Exam Life Insurance

If you have a pre-existing medical condition and want to buy life insurance, you will need help from an expert. This person can help ensure that you get coverage so that you don’t get declined.

Warning: Applying for life insurance without a medical exam can be risky. If you get declined coverage, it could be at least two years before you can get any life insurance.

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Shawn Plummer

CEO, The Annuity Expert

I’m a licensed financial professional focusing on annuities and insurance for more than a decade. My former role was training financial advisors, including for a Fortune Global 500 insurance company. I’ve been featured in Time Magazine, Yahoo! Finance, MSN, SmartAsset, Entrepreneur, Bloomberg, The Simple Dollar, U.S. News and World Report, and Women’s Health Magazine.

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

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