No Medical Exam Life Insurance

No exam life insurance, also called non-med life insurance plans are mostly term insurance or whole life policies for those who want a quick, affordable life insurance coverage without having to go through a medical exam, including a blood draw. If approved, the policy can be active within a few minutes.

What is no Medical Exam Life Insurance

No medical exam life insurance, also known as non-med life basically means that nobody will come to draw your blood; take your urine sample; confirm your height and weight, or ask you other health-related questions. The approval process also is very quick. Instead of months, you may get your active policy in hand in a matter of days or even minutes. Besides the fast approval, the convenience of getting a life insurance is a big attraction for many.

Best Life Insurance with no Medical Exam

You can get up to $2,000,000 affordable coverage without having to take a physical exam. Sometimes the approval for life insurance can be instant as soon as we submit an online application for you.
For this to happen, you need to be in a reasonable health. This process makes it faster to get a life insurance policy. Also, if you are one of those who hate fasting and needles, you might want to consider this option.
A few of our A+ rated carriers include North American, Banner Life, Assurity Life, Principal Life, Lincoln Financial, Pacific Life, Penn Mutual Life and SBLI. They all offer affordable no exam life insurance.

Difference between Instant Issue life Insurance and No Exam Life Insurance

Both of these require no medical exam. Therefore, they are called simplified issue. In case of instant issue life insurance, you will get an approval or disapproval as soon as you finish entering your basic information needed to qualify you. The whole process may take anywhere between 5-10 minutes. In that regard, these can be called the life insurance plans without any waiting period, and no medical exam.

Now, to find the best coverage may turn out be a little tricky. Except for convenience, it may not be the best option unless you are 100% sure that you want a term life insurance only and do not want to take a medical exam, or wait for a long time for approval. If you are planning to convert your term life insurance policy into a whole life or universal life plan in future, you must ask about the availability of conversion plans before you buy a term life insurance, especially, no exam term life insurance.
Restrictions on age, health and state availability may apply.

These, mostly, term life insurance plans work well when you are considering:

  • income replace for the beneficiary
  • mortgage protection
  • funding college education
  • protection of loans
Click here to apply. Bestow Instant Issue life insurance
Click here to apply. Ethos simplified issue and instant issue life insurance

No Exam Life Insurance Rates

AGE: 35 | RISK CLASS: SUPER PREFERRED | NON-SMOKER 
TYPE OF COVERAGEMONTHLY PREMIUM
(Male/Female)
INSTANT ISSUE
20 Years Term
(NO MEDICAL EXAM)
$26.42 / 19.75
NON-MED TERM
20 Years Term
(NO MEDICAL EXAM)
$21.07 / 17.63
INSTANT ISSUE
30 Years Term
(NO MEDICAL EXAM)
$52.67 / 36.00
NON-MED TERM
30 Years Term
(NO MEDICAL EXAM)
$34.77 / 29.22
Please note: The rates quoted are estimates and are subject to underwriting by the insurance carrier. Rates do not include optional riders. For a no-obligation consultation, call us at 1.866.526.7264.
How to Qualify for No Exam Life insurance

The most important factor that determines whether you will, qualify for a no medical exam life insurance is your health. Lately, a few of the top-rated traditional life insurance companies have introduced accelerated underwriting to facilitate a quick approval for the applicants. With this place, you can have an active life insurance coverage within a few minutes to a few days. There is no more waiting for weeks, or sometimes months to get an approval. However, there is a caveat. You need to be in good health.

Who Qualifies for a No Medical Exam Life insurance
  • You need to be between 16-80 years of age. Age restrictions apply to how long a term(10, 15, 20, 25, 30) you qualify for. The other no exam life insurance for seniors is burial insurance or final expense insurance.
  • There has to be an evidence of routine medical care in the past 2-3 years.
  • You have not been rated at higher risk or declined in the past by an insurance company.
  • Most carriers have mandatory electronic application submission process to consider you for a no exam approval process. This means that you have to give us a call (LOL!). We will access the insurance company's secure portal; complete the application and send it to you in your email for you to review and sign(e-signature). Once you sign, we will then counter-sign and submit your application.

Based on your income, you can apply for up to $2,000,000 in non-med term life insurance coverage.
Our secure, online quoting software is designed for you to select your life insurance plan and fill out your application in a matter of minutes.

If you need help applying, or if you are considering a permanent life insurance plan, like whole life or universal life that lasts a lifetime, give us a call at 1.866.526.7264.

Life insurance carriers

Real time estimates for various term life and universal life insurance plans. Check your premiums here.

By using the quoting widget to “Display Quotes”, and submitting an online insurance quote and application request, you are providing Coverage Alliance Insurance Services/Dan Kampani with your prior express and written consent to contact you at the cell phone number or residential phone number, and email provided. Final rates are based on eligibility. You can also reach us toll-free at 866.526.7264.