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Your First Choice for No Medical Exam Life Insurance Coverage!

Compare quotes and apply for life insurance coverage in the comfort of your own home.

Instant Life Insurance

Get instant life insurance coverage without the hassle of completing a physical exam or lab testing. Apply online today and see if you qualify for immediate approval. Rates starting as low as $7 per month. 

No Medical Exam Needed

Simple Application Process

Instant Decision

Affordable Rates

No Medical Exam Needed

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 and instantly compare rates

Fill out the short online quote questionnaire to instantly compare rates from over a dozen highly rated no medical exam life insurance companies.

Apply online
hassle-free

Our secure online application makes applying for coverage fast, straightforward, and hassle-free. There is no need to print or sign paper forms. Everything is done online in minutes.

Quick underwriting that results in fast approval times

Need coverage fast? Applications are processed using advanced underwriting tools resulting in most customers receiving approval for coverage as fast as 15 minutes!

Delivered right to your inbox

If approved for coverage, your life insurance policy is emailed to your inbox. We’ll even mail you a hard copy if you’d like.

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

We only contract with the nation’s most trusted 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

Benefits of No Medical Exam Life Insurance

Fast life insurance approval

In most cases, applying for life insurance with no medical exam will lead to much quicker approval for coverage than traditional plans that would you require you to complete a medical exam.

With traditional policies, you may have to wait several weeks or months for your application to be underwritten and approved. However, with a no medical exam policy, you can often get coverage within a few days or hours.

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. A no exam life insurance policy is often a much better option.

Especially beneficial if you haven’t had an annual physical in a long while

A medical exam is an important underwriting tool for any life insurance company requiring you to take an exam. In addition, the lab results from the blood and urine samples can reveal much information about your overall health.

If it has been a while since your last checkup, you could be unaware of changes in your health. For example, 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 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.

Easy application process

Non-medical life insurance plans are designed to offer the convenience of not having to take time out of your day or weekend to schedule and meet with an examiner to complete a life insurance exam.

These plans are also designed to offer a streamlined application process completed entirely online and often without the help of a life insurance agent. In addition, the step-by-step instructions make the process simple to complete.

When finished, an online signature and a click of a button will send your application through a speedy underwriting process, often resulting in a decision for coverage within minutes. 

You can get up to a $1,000,000 or more in coverage

Non-medical life insurance plans are available in a wide range of coverage options starting as low as $25,000 and going as high as $1,000,000.

Depending on your age and overall health, some of our providers can offer higher coverage if your life insurance needs require greater protection.

No needles, urine samples, or blood pressure readings required

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

No exam underwriting allows you to skip all of this. This can be highly beneficial to anyone who has risked putting off buying life insurance coverage, especially if you have a fear of needles.

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.

It's an overall better way to get life insurance coverage

In terms of coverage, there is no difference between a life insurance policy that requires you to complete a medical exam versus one that does not.

Non-medical life insurance plans offer so many benefits:

  • An easier application process
  • Large coverage amounts
  • Affordable rates
  • Faster approval times

The option to skip the medical exam has changed how life insurance is purchased and for the better. As more companies switch to no exam life insurance options, it’s becoming the preferred method of applying for life insurance coverage.

Check Out Our Latest Articles

Taking care of your health doesn’t always follow a strict routine. For some, it’s about regular exercise and a balanced diet; for others, it’s simply the benefit of good genes.

When you apply for life insurance, a medical exam is usually part of the process. This exam helps the life insurance company understand your health. It’s a quick check-up, taking

No-exam life insurance is gaining popularity for its simplicity and speed, appealing to those who prefer to avoid traditional medical exams. However, as more people become interested in no-exam life

Compare No Medical Exam Life Insurance Plans

WAIT! BEFORE YOU GO, WE NOW OFFER

Get a quote

To get a life insurance quote online, simply answer a few questions about yourself and see estimated costs for various policy options.

Apply in minutes

The secure, online application is fast and straightforward—you can complete the process in about 10 minutes.

Get coverage

Once you submit your application, it is processed quickly (often instantly), and you’ll know about your coverage eligibility and rates. Then, if approved, you can activate your coverage immediately.