How To Get No Medical Exam Life Insurance

Shawn Plummer

CEO, The Annuity Expert

Do you feel like getting life insurance is too much of a hassle because of the medical exam component? Or perhaps, you’re concerned about privacy or have health-related anxieties? If that’s the case, we have good news for you: there’s an option known as no medical exam life insurance. But what exactly is it? Who needs it, and why? This guide will answer all these questions, helping you decide about this unique insurance policy.

Life Insurance No Exam
No Medical Exam Life Insurance

Understanding No Medical Exam Life Insurance

At its core, no medical exam life insurance is a policy you can get without the traditional health examination. Usually, insurance companies require medical examinations to determine your health condition and the associated risk. However, with no medical exam life insurance, this requirement is eliminated. Therefore, the ‘best no medical exam life insurance’ is the one that suits your needs perfectly, providing adequate coverage without intrusive medical exams.

Life Insurance Without Medical Exam

How Does No Medical Exam Life Insurance Work?

No medical exam life insurance operates on the principle of convenience and practicality. A health check-up is mandatory when you apply for a traditional life insurance policy. This is used to assess your health status and possible risks for the insurer. But with a no medical exam life insurance policy, the insurers primarily rely on your honesty while answering various health-related questions.

Instead of a physical exam, you must complete a detailed questionnaire. This will include questions about your lifestyle, personal and family health history, etc. Remember, being truthful is crucial because false information can invalidate your policy.

Who Needs No Medical Exam Life Insurance?

Individuals with a pressing need for immediate coverage often find no medical exam life insurance most suitable. This could include people with a significant life event on the horizon, such as a wedding or the birth of a child. Individuals with serious health issues or those rejected for standard life insurance might also find this a suitable option. In addition, people with needle phobia or who want to avoid medical exams for personal reasons can benefit from no medical exam life insurance policies.

Why Do People Need No Medical Exam Life Insurance?

People choose this type of life insurance primarily because of its speed and convenience. A traditional life insurance policy might take weeks or even months to finalize due to the medical examination and processing of results. However, with life insurance policies with no medical exam, the approval process is typically faster, often within days.

No Medical Exam Life Insurance

How Much Life Insurance Can You Get Without a Medical Exam?

The amount of life insurance you can get without a medical exam varies by company. Generally, no medical exam life insurance companies offer policies ranging from $25,000 to $1 million. Multiple factors, including age, income, lifestyle, and health declarations, determine the policy amount.

What Type of Life Insurance Does Not Require a Medical Exam?

Several types of life insurance policies don’t require a medical exam. These include Guaranteed Issue Life Insurance, Simplified Issue Life Insurance, and Group Life Insurance. Additionally, whole life insurance with no medical exam provides lifetime coverage with fixed premiums.

Life Insurance Companies No Medical Exam

What Is the Highest Amount of Life Insurance Without a Medical Exam?

The most life insurance you can get without a medical exam depends on various factors. Some companies offer policies up to $1 million, but this varies between no medical exam life insurance companies.

Is No Exam Life Insurance More Expensive?

The most common concern about no exam life insurance is that it is more expensive. And while it is true that you will pay a higher premium for a no-exam policy, it is not necessarily because the insurer sees you as a higher risk. Instead, it costs more to process a no-exam application because the insurer has to rely on other methods to assess your risk. So, in the end, whether or not a no-exam life insurance policy is more expensive depends on your circumstances.

When Would No Exam Life Insurance Be Cheaper?

There are some situations where a no-exam policy might be cheaper. For example, if you are in good health and have no family history of severe health problems, you may get a better rate on a no-exam policy than you would on a traditional policy. This is because the insurer can use your height and weight to determine your premium rather than relying solely on your medical history.

The bottom line is that whether or not a no-exam life insurance policy is more expensive depends on your circumstances. If you are healthy and have no family history of severe health problems, you may be able to get a better rate on a no-exam policy. However, you will likely pay more for a no-exam policy if you have any preexisting medical conditions or a family history of severe health problems.

Can A Life Insurance Company Provide A Policy Without a Medical Exam?

Absolutely! You can indeed get a life insurance policy without a medical exam. These policies, including those with a ‘life insurance, no medical exam, no waiting period,’ are designed for convenience, speed, and inclusivity. They allow a more comprehensive range of individuals to access life insurance benefits without needing a medical examination.

No Exam Life Insurance Calculator

Compare life insurance policies with no medical exams, including term and whole life insurance.

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.

The 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 pre-existing health conditions should pursue coverage with a medical exam to prevent being declined.

  • 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

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

Helpful Tip: Besides a no medical exam life insurance policy, you’ll need a living will or trust. For an affordable estate plan service, we recommend the following:  

No Exam Life Insurance

Next Steps

In the quest for life insurance, the no medical exam route provides a solution for those seeking speedy coverage or those with health concerns. By understanding what this insurance type entails, who it’s for, and its various aspects, you can make a well-informed decision about whether this policy is right for you. Remember, the goal is to secure a future that gives you peace of mind and protection against life’s uncertainties. With no medical exam life insurance, you have an additional avenue to do just that.

No Medical Exam Life Insurance Quotes

Contact us for life insurance quotes—no medical exam is required. The service is free of charge.

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Have You Been Declined Life Insurance Coverage Before?

Frequently Asked Questions

How much life insurance can you get without a medical exam?

Life insurance coverage without a medical exam varies by insurer and policy type. Generally, term life policies with a $250,000 or less benefit can be obtained without an exam, but premiums are higher, and restrictions may apply.

What type of life insurance does not require a medical exam?

Term life insurance is the most common type that doesn’t require a medical exam. Simplified issue term life insurance is a specific type that doesn’t require a medical exam but may have restrictions and higher premiums. Guaranteed issue whole life insurance also doesn’t require a medical exam but has lower coverage amounts and higher premiums.

What is the highest amount of life insurance without a medical exam?

The highest amount of life insurance without a medical exam varies by the insurance company and policy type. Generally, you can obtain a term life insurance policy with a death benefit of up to $1,000,000 without a medical exam. However, the exact maximum coverage amount available without a medical exam will depend on the insurer’s specific underwriting guidelines and your circumstances.

What fails a life insurance exam?

A life insurance exam evaluates a person’s health and medical history. Failing factors include high blood pressure, high cholesterol, elevated blood sugar, obesity, tobacco use, history of the disease, substance abuse, or mental health conditions. This may lead to higher premiums or policy restrictions. Therefore, accurate health history disclosure is essential for appropriate coverage and rates.

What is whole life insurance with no medical exam?

Guaranteed issue whole life insurance provides a death benefit and builds cash value without requiring a medical exam. It’s designed for people with health issues or age who may not qualify for traditional life insurance. Coverage and premiums are lower, and there may be waiting periods or restrictions.

What is term life insurance with no medical exam?

Term life insurance with no medical exam provides a death benefit without a medical exam, which is suitable for quick coverage. Policy limits range to $1,000,000, with higher premiums due to increased risk. Consider limitations, such as fewer options for customization and limitations on coverage for specific health conditions.

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*Disclosure: We are immensely thankful for your support! A few of the links in this guide may be affiliate links, and if you get a policy through these referrals, I will receive a commission. Your contribution helps us maintain our business running smoothly!

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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