How To Get Life Insurance, No Medical 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 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.

What Is No Medical Exam Life Insurance?

Most life insurance policies require some medical underwriting. However, 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 wanting death benefits only.

Because the traditional underwriting process is not required, most policies are not for applicants with severe pre-existing medical conditions. However, applicants with mild to moderate conditions should be able to get a policy.

With a life insurance medical exam, you must get your weight and height checked. It would be best if you also gave 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 health 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.

How Much Life Insurance Can You Buy Without A Physical?

Many people are surprised to learn that they can purchase life insurance without undergoing a physical. While the amount of coverage you can get without a physical will depend on the insurance company, buying up to $2,000,000 in coverage is typically possible without a medical exam required. There are a few things to keep in mind, however.

First, you will likely have to pay a higher premium for coverage without a physical.

Second, the life insurance company will require you to complete a brief health questionnaire. Finally, your coverage may be subject to a waiting period before it goes into effect.

Nevertheless, if you need life insurance but are unable or unwilling to take a physical, getting the coverage you need is still possible.

What Are the Best No Medical Exam Life Insurance Policies?

Where can I find life insurance, no medical exam required? The best no-exam life insurance policies are the ones that offer the coverage amounts you need at a price you can afford. You should also look for a policy with a reputable insurance company.

Some of the best no-exam life insurance policies that offer a high death benefit include:

There are other similar companies, including Sproutt and Haven Life.

Bestow

Ethos

No Exam Life Insurance Calculator

Term Life Insurance With No Exam (EVER)

Find a term life insurance policy that does not require an exam, ever. If you have pre-existing conditions, do not apply. We think Bestow offers the best term policies. However, they don’t offer whole life plans.

The Only 100% No Medical Exam Term Life Insurance.

Bypass the medical exam ALWAYS—no waiting period. A+ rated insurance company.

Term Life Insurance Policies With No Medical Exam (Most Scenarios)

In most scenarios, find a term life insurance policy that does not require an exam. If you have pre-existing conditions, feel free to apply. We think Ethos Life Insurance is the best life insurance policy with high no-exam coverage amounts (death benefit).

Find Life Insurance With No Exam Coverage

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

Whole Life Insurance, No Medical Exam Required

This type of final expense insurance does not require a medical exam and is designed to pay for funeral expenses and other end-of-life costs. It is a type of permanent life insurance policy (whole life coverage), which means it does not expire as long as premiums are paid.

Find Whole Life Insurance With No Exam Coverage

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

No Medical Exam Accidental Death Insurance Quotes

This no-exam life insurance plan (Mutual of Omaha) only covers deaths directly from accidents or trauma. Because deaths from natural causes are not covered, you cannot be turned down for your health. These policies do not have cash value. Use our online tools below for quotes.

Life Insurance Quotes, No Medical Exam Required

Can’t find the right policy? We’ve got you covered. Online shopping for the best no-exam life insurance quotes can save time and money. Term and whole life are available.

Skip The Exam, Get Coverage Instantly.

Apply for affordable insurance with no exam coverage. Then, apply for same-day coverage in less than 10 minutes. A+ rated companies.

Types Of Life Insurance Without Medical Exams

No-exam life insurance policies are designed for people who want the peace of mind that comes with life insurance but don’t want to go through the hassle of taking a medical exam.

There are two main types of no-exam life insurance: guarantee issue and simplified issue.

  • Guaranteed-issue life insurance plans offer guaranteed coverage and are available to almost everyone, regardless of their health status. However, this life coverage has limitations because of its no exam policy, such as a smaller death benefit, no cash value, and pay higher premiums.
  • Simplified issue life insurance is available to people in relatively good health. While applicants still don’t have to take a medical exam, they will be asked questions about their health and medical history. Based on their answers, they may be required to take a mini-medical exam—still a solid option for applicants with health issues.

Guaranteed Issue Life Insurance Products

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

Some no-exam life insurance policies have a graded death benefit. Graded means that the full death benefit will not be paid out in the first few years (the waiting period) unless you die from an accident.

Simplified Issue Life Insurance Products

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 questions concern your medical history, recent hospitalizations, and height and weight. Life insurance companies may also ask about your drug, alcohol, and tobacco use. Regardless, an excellent choice for applicants with mild to moderate health issues.

And because insurance companies ask for your medical history, car type, and other information, underwriting approval is not guaranteed. Most plans are a single-premium universal or whole life insurance policy that offers some coverage, but the cost is more expensive than if you were young and healthy. An Accelerated Death Benefit may also help pay for long-term care costs or borrow money.

Instant-Approval Term Life Insurance Products

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 medical records, driving record, prescription drug history, and information from previous life insurance applications.

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

Group Life Insurance Plans

Life insurance 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 a life insurance medical exam if you want coverage.

Your employer might also allow you 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, 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; 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 with a pre-existing health condition 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 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.

Next Steps

No medical exam life insurance is an excellent option for people who want life insurance for financial protection but don’t want to go through the hassle of a medical exam. It is also a good option for people who have health problems or are overweight.

The downside of a no medical exam life insurance product is that it tends to be more expensive than traditional life insurance policies. Another downside is that you may not be able to find as many providers for this type of policy as you would for a traditional policy.

That said, the best companies that offer no medical exam life insurance are very reputable, pay claims promptly, and have been in business for many years.

Contact us today if you’re interested in getting no medical exam life insurance quotes and determine how much coverage you need.

No Medical Exam Life Insurance

Need Help Getting A Life Insurance Policy?

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 you get coverage so 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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