Your First Choice for No Medical Exam Life Insurance Coverage!

Compare quotes & apply in the comfort and safety of your own home

Instant Term Life Insurance Rates

Finally, apply for term life insurance coverage without the hassle of an exam or physical. If you’re 18-65 with no major medical problems, you can get $25,000 – $1,000,000 in coverage.

No Medical Exam Required

Simple Application Process

Faster Approval
Time

Affordable
Rates

No Medical Exam Required
Simple Application Process
Faster Approval Rates
Affordable Rates
The easiest way to apply for life insurance coverage is online

How it Works

Fill out our questionnaire &
instantly compare rates

Simply fill out the short online questionnaire to start instantly comparing rates from the top rated no medical exam life insurance companies

Apply online
hassle-free

Online application makes applying for coverage simple and hassle free. No need to print or sign. Everything is done online

Get your policy delivered
right to your inbox

Not only is applying for coverage simple, so is the delivery of your policy. Policies are sent right to your inbox. We’ll even mail you a hardcopy if you’d like.

As Quick as Same Day Approval

Need coverage fast? In many cases approval can be made in as little as 15 minutes!

Coverage Starts from Day One

No gimmicks or tricks. Once your policy is activated your coverage starts from day one.

We only work with top rated No Medical Exam Life Insurance companies

AM Best rated life insurance companies

americannational
Est. 1905
A.M. Best Rated: A

Issue Ages: 18-65

Up to $250,000
without an exam
assurity
Est. 1905
A.M. Best Rated: A-

Issue Ages: 18-65

Up to $350,000
without an exam
North American Life
Est. 1905
A.M. Best Rated: A+

Issue Ages: 18-65

Up to $500,000
without an exam
Mutual of Omaha Logo
Est. 1905
A.M. Best Rated: A+

Issue Ages: 18-65

Up to $300,000
without an exam
foresters
Est. 1905
A.M. Best Rated: A

Issue Ages: 18-65

Up to $400,000
without an exam
fidelity
Est. 1905
A.M. Best Rated: A-

Issue Ages: 18-65

Up to $250,000
without an exam
Sagicor Logo - Black
Est. 1905
A.M. Best Rated: A-

Issue Ages: 18-65

Up to $500,000
without an exam
Transamerica Logo Black
Est. 1905
A.M. Best Rated: A+

Issue Ages: 18-60

Up to $249,999
without an exam
The no-fuss way to get life insurance

You need fast life insurance

When applying for life insurance no exam, approval times can be made in as little as 24 hours. In some cases it can be as fast as 15 minutes!

The typical turnaround for a traditional fully underwritten life insurance policy can take anywhere from 4-8 weeks or possibly longer. This may be ok if you’re not in a hurry, but for many, it’s not.

In cases where fast life insurance coverage is needed, such as a divorcee agreement, traveling out of state, or replacing lapsed coverage, 4-8 weeks is too long to wait. This is where a no exam life insurance policy could be a much better option.

You haven’t had an annual check-up in awhile

A medical exam is a significant underwriting tool for any life insurance company requiring you to take an exam. The lab results from the blood and urine sample can reveal a great deal of information about your health.

If it has been a while since your last checkup, you could be unaware of changes in your health. Negative lab results such as elevated cholesterol, a1c levels, or even blood pressure readings can lead to higher rates or, worse, a decline in coverage.

By choosing to go with a no medical exam life insurance policy, you avoid the possibility of a negative exam reading, allowing you to secure life insurance coverage first by giving you time to plan a visit with your doctor.

Need less than $1,000,000 of term life insurance coverage

From $25,000 up to $1,000,000 no exam term life insurance can provide protection options to just about anyone.

Even if you require more than $1,000,000 of term life insurance coverage, applying with more than one no medical exam company is allowable to get the amount of coverage you need.

Needles, Urine Samples and Blood Pressure Readings…No Thanks

A fully underwritten traditional life insurance policy requires a medical exam. The typical medical exam generally consists of a blood draw, urine sample, and three blood pressure readings.

No exam underwriting allows you to skip all of this. This can be extremely beneficial to anyone who has risked putting off buying life insurance coverage for these fears alone.

When applying for no medical exam life insurance coverage, you will never be required to get poked with a needle, pee in a cup, or sit for blood pressure readings.

You prefer simple fast convenient life insurance coverage

If you can get the same type of life insurance coverage offered from a traditional fully underwritten coverage but without the exam, why take an exam at all?

  • Easier process
  • Affordable rates
  • Faster approval times

No medical exam life insurance is changing the way life insurance is purchased and for the better. As more and more life insurance companies make the switch to no exam term life insurance coverage, it’s becoming the preferred method of applying for life insurance coverage.

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