Top 10 Best No Medical Exam Term Life Insurance Companies

We researched 141 companies to find the best no exam life insurance providers.

There are plenty of reasons to buy a no exam life insurance policy. No exam life insurance is typically more convenient and has a shorter approval process than other types of life insurance. If you’re in good health, you could receive quick coverage at a great price.

If you’re looking for life insurance for diabetics or another preexisting medical condition, know that most no exam policies still require health information. You won’t be able to hide your condition. But there are some no exam policies that ignore your health status altogether, such as guaranteed issue policies.

Not sure which kind of no exam policy you need? Jump ahead to learn more about the types of no exam policies. If you already know what you’re looking for, keep reading to discover which companies excel at this coverage.

Not looking for no exam life insurance in particular? Check out the best life insurance companies.

No exam life insurance company comparison

Provider No exam policies Coverage Why we chose it
Haven Life
  • Term
Up to $1M
  • Objective, AI-powered approvals
  • Instant coverage
Quote
American Amicable
  • Term
  • Whole
  • Universal
Up to $250K
  • Availability up to age 85
  • Term, universal, and final expense whole life
Quote
Gerber
  • Final expense
  • Guaranteed issue
Up to $300K
  • No medical questions
  • Guaranteed issue coverage up to $25K
  • Excellent customer service
Quote
AARP
  • Term
  • Whole
  • Guaranteed issue
  • Final expense
Up to $100K
  • New York Life backing
  • Availability for ages 45+
Quote
Bestow
  • Term
Up to $1M
  • Rates based on algorithms
  • Simple 100% online application
  • Immediate coverage if approved
Quote
Principal
  • Term
  • Universal
  • Indexed universal
  • Variable Universal
Up to $1M
  • No exam options for most policies
  • Availability for ages 18-60
Quote
John Hancock
  • Term
  • Universal
  • Indexed universal
  • Variable Universal
  • Final Expense
Up to $1M
  • Quick approval process
  • Rewards for healthy living
Quote
Transamerica
  • Term
  • Final expense
Up to $250K
  • Excellent customer service
  • Top financial ratings
Quote
Mutual of Omaha
  • Term
  • Guaranteed issue
Up to $25K
  • Top-notch customer service
  • Consistent appearances on “best life insurance” lists
Quote
Lincoln Financial
  • Term
  • Universal
  • Indexed universal
  • Variable Universal
Up to $1M
  • Availability for ages 18-60
  • Electronic delivery of documents
Quote

Information is from Havenlife.com, AmericanAmicable.com, Gerber.com, NYLAARP.com, HelloBestow.com, Principal.com, JonHancockInsurance.com, Transamerica.com, MutualofOmaha.com,  LFG.com, and a Clearlink Technologies Partner. Data as of 9/4/2019.


No medical exam life insurance company reviews

Each of the companies on our list excels at providing at least one type of no exam life insurance. We’ve chosen 10 that stand out from the competition.

Haven Life: Best overall

#1

High death benefit payouts, instant coverage, and an AI-driven application make Haven Life our top pick for no exam life insurance.

Get a quote

Haven Life offers coverage of up to $1 million for applicants 59 and younger, and most applicants can buy a policy after answering just a few questions. Haven Life’s insurance bot objectively analyzes your health data to give you an answer in minutes. But if you don’t qualify instantly, you still have the option to take a medical exam for further consideration.

Although Haven Life is relatively new to the industry, it’s backed by MassMutual—which has been offering quality coverage since 1851.

Haven Life sample rate

Policy type Coverage Age Monthly premium
20-yr term $500K 30 $19/mo.

Rate is for a healthy female. Sample quote is from HavenLife.com and is for illustration purposes only. Actual quotes may vary. Data as of 8/27/2019.

Learn more about Haven Life insurance.

American Amicable: Most choices

#2

Unlike most companies, American Amicable offers all three major types of life insurance without a medical exam.

Get a quote

American Amicable specializes in no exam life insurance. You can buy term, whole, or universal life insurance without taking a medical exam. Depending on the type of policy you choose, you can buy up to $250,000 in coverage—or more, if you decide you don’t mind taking the exam after all. You can’t apply online with American Amicable.

This insurer has been in business for 120 years and has a spotless claims record.

American Amicable sample rate

Unfortunately, American Amicable doesn’t have rates on its website. To see rates for your situation, you’ll need to call an American Amicable agent directly.

Learn more about American Amicable life insurance.

Gerber: Best for preexisting conditions

#3

Look to Gerber for top-notch life insurance that doesn’t depend on your health.

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Many no exam companies still require applicants to fill out a questionnaire or provide medical records. But Gerber’s guaranteed issue life insurance isn’t based on your health at all. You can choose up to $25,000 in coverage for a guaranteed issue burial insurance policy.

If you’re not looking for final expense insurance, you could qualify for up to $300,000 in no exam whole life or term life coverage instead. But you’ll have to answer medical questions.

Gerber is a financially stable company that got its start with children’s life insurance in 1967 and now offers quality coverage for adults too.

Gerber life sample rate

Policy type Coverage Age Monthly premium
Guaranteed issue $25K 50 $85

Rate is for a female. Sample quote is from Gerber.com and is for illustration purposes only. Actual quotes may vary. Data as of 8/27/2019.

Learn more about Gerber life insurance.

AARP: Best for seniors

#4

This trusted insurance provider specializes in no exam term and whole life for people 45 or older.

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People 50 and older can buy up to $100,000 of AARP’s term life coverage after answering a few questions. People as young as 45 can buy no exam whole life up to $50,000 after the same application process. Or, you can skip the questionnaire altogether and get up to $25,000 in guaranteed acceptance whole life. This makes AARP an excellent final expense policy option if you’re looking for a low coverage amount and have health issues

All AARP policies are provided by New York Life, one of the most financially stable insurers in the nation. To buy a policy, you’ll need to be an AARP member, but you can join for as little as $12 your first year.

AARP life sample rate

Policy type Coverage Age Monthly premium
Term $100K 55-59 $13

Rate is for a female. Sample quote is from NYLAARP.com and is for illustration purposes only. Actual quotes may vary. Data as of 8/27/2019.

Learn more about AARP life insurance.

Not sure AARP is the right company for you? Discover other top senior life insurance companies.

Bestow: Most innovative

#5

Bestow’s streamlined, user-friendly application allows you to buy a term life insurance policy online in minutes.

Get a quote

If convenience is your main concern, consider Bestow. Using an innovative application, answer a handful of questions you probably know off the top of your head. Then, choose and adjust your coverage amount (up to $1 million) and term length. This fast, easy application process makes it well-suited to people looking to fulfill life insurance requirements for an SBA loan or a divorce decree on a tight deadline.

Bestow’s data-driven application process is backed by North American Company for Life and Health Insurance®—a robust and stable company with an excellent claims record.

Bestow life sample rates

Policy type Coverage Age Monthly premium
20-yr term $500K 30 $20

Rate is for a healthy female. Sample quote is from HelloBestow.com and is for illustration purposes only. Actual quotes may vary. Data as of 8/27/2019. The opinions and ideas expressed in the article are those of the author(s) and are not promoted or endorsed by Bestow or North American. 

Learn more about Bestow life insurance.

Principal

#6

Principal offers accelerated underwriting for healthy people applying for almost any policy.

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Principal Life offers an accelerated underwriting process that allows people who meet certain conditions to skip the exam when applying for most policies. If you qualify, you could see approval within 24 hours.

Principal is a financially stable company with a clean claims history and a 140-year history of providing quality life insurance.

Principal life sample rate

Policy type Coverage Age Monthly premium
20-yr term $500K 30 $18

Rate is for a healthy female. Sample quote is from Principal.com and is for illustration purposes only. Actual quotes may vary. Data as of 8/27/2019.

Learn more about Principal life insurance.

John Hancock

#7

John Hancock offers high coverage amounts and a proprietary wellness program.

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While most insurers limit the amount of coverage you can buy without taking a medical exam, you can get a cool $1 million with John Hancock. You’ll hear back about your application in as little as three days.

This insurer also offers a unique wellness program called Vitality. You can earn premium savings and other perks for healthy behaviors such as staying active and drinking plenty of water.

John Hancock life sample rate

Policy type Coverage Age Monthly premium
20-yr term $500K 30 $27

Rate is for a healthy female. Sample quote is generated from partner data and is for illustration purposes only. Actual quotes may vary. Data as of 9/5/2019.

Learn more about John Hancock life insurance.

Transamerica

#8

Transamerica provides quality life insurance, two no exam options, and top-notch service.

Get a quote

Transamerica offers final expense insurance without a medical exam. If you’re healthy and attest to that in your application, you may also be able to qualify for a term life policy without taking an exam. This insurer is financially stable and is well-known for offering excellent customer service.

Transamerica life sample rate

Policy type Coverage Age Monthly premium
20-yr term $50K 30 $12

Rate is for a healthy female. Sample quote generated from partner data and is for illustration purposes only. Actual quotes may vary. Data as of 9/11/2019.

Learn more about Transamerica life insurance.

Mutual of Omaha

#9

Mutual of Omaha provides no exam options for whole life and term life.

Get a quote

Mutual of Omaha’s guaranteed issue policies can be considered final expense insurance for seniors because they offer low coverage (up to $25,000) for older adults (ages 45–85). Healthy applicants may also be able to skip an exam when purchasing a term life policy.

Mutual of Omaha consistently ranks in best-of lists for life insurance and customer service.

Mutual of Omaha life sample rate

Policy type Coverage Age Monthly premium
Guaranteed issue $25K 50 $74

Rate is for a female. Sample quote is from MutualofOmaha.com and is for illustration purposes only. Actual quotes may vary. Data as of 9/4/2019.

Learn more about Mutual of Omaha life insurance.

Lincoln Financial

#10

Lincoln Financial provides an over-the-phone application process for healthy customers.

Get a quote

If you’re looking for $1 million or less in coverage, you’re healthy, and you’re between the ages of 18 and 60, you could skip the medical exam with Lincoln Financial. You can apply over the phone, and if you choose eDelivery, you can receive your policy even faster via email.

Lincoln receives top financial strength marks and has a clean claims history.

Lincoln life sample rate

Policy type Coverage Age Monthly premium
20-yr term $500K 30 $29

Rate is for a healthy female. Sample quote is generated from partner data and is for illustration purposes only. Actual quotes may vary. Data as of 9/11/2019.

Learn more about Lincoln Financial life insurance.


What is no medical exam life insurance?

Many insurers require an applicant to take a medical exam to help the company evaluate your health. No exam life insurance is simply coverage that doesn’t require this exam as part of the application process.

If you apply for exam required coverage, you’ll schedule a free exam with a paramedical professional, typically in your home or office.

During this appointment, you’ll:

  • Answer in-depth health questions
  • Have your blood pressure taken
  • Have your weight and height measured
  • Give blood and urine samples.

The results will be used to confirm whether you have certain health conditions, such as diabetes or high blood pressure. With this knowledge, an insurer will decide whether to approve your application and how much your premiums will be.

Who might choose no exam life insurance?

For some people, the medical exam is the worst part of shopping for life insurance. It’s one of the reasons the application process takes so long. It involves scheduling an appointment with a medical professional. And then there are the needles for drawing blood samples.

While most people would prefer to skip a life insurance medical exam simply because it’s inconvenient. But certain people may have additional reasons for choosing this coverage:

Entrepreneurs: If you own a business, it may make sense to insure your or your partner’s life to protect the company. SBA loans and other funding sources may require you to have life insurance—and come with tight deadlines for getting coverage. Or, you may be too busy wearing all those hats to schedule an exam.

People with preexisting medical conditions: Many no exam applications still uncover health issues, but guaranteed issue life insurance doesn’t depend on your health at all. While these policies typically offer low coverage ($50,000 or less), they could be your best option for life insurance with preexisting conditions.

People comfortable shopping online: Some companies offering no exam policies allow applicants to complete the entire process digitally. If you’re just plain busy and want to check life insurance off your to-do list fast, this type of life insurance might be what you need.

Divorcees: If you’re parting ways with your spouse, the courts may require that you have life insurance to protect your family. If so, you may have to gain coverage on a deadline, and taking a medical exam can make that challenging.

Learn more about the advantages of choosing no exam versus life insurance exam policies.

Common mistakes when buying no medical exam life insurance

There are many reasons to choose a no exam life insurance policy, but there are also some misconceptions. These are some of the most common mistakes we see regarding no exam life insurance.

Thinking no exam means your health doesn’t matter

Most no exam policies still consider your health. You may be required to provide your medical records or fill out a questionnaire about your medical history. If you lie or cover up your health issues, the insurer can refuse your claim if they discover the truth within two years of issuing the policy—even if you faithfully pay your premiums.

Not shopping around

While not all insurers let you skip the exam, you still have plenty of options, so don’t buy the first policy that comes along. Premiums and coverage can vary widely between companies, so take the time to understand your options. Or, if speed is the main reason you want to skip the exam, compare life insurance quotes right now with us.

Choosing AD&D instead of a no exam policy

If you have a preexisting medical condition such as high blood pressure or diabetes, it might be tempting to buy an Accidental Death and Dismemberment (AD&D) policy. Your health won’t affect your rates as much, if at all.

While AD&D insurance is an excellent choice for some people, it will only cover you if you die or become injured in an accident. That means your preexisting condition—whether it’s Alzheimer’s, heart disease, or any other condition—won’t be covered.

Don’t settle for the wrong life insurance. You have options—which we’ll dive into in the next section.

Overpaying for little coverage

Many people seek out no exam coverage because they have health issues. But if you’re here because you want to save time or avoid the hassle and you’re young and healthy, you’re at risk of overpaying for coverage if you choose the wrong kind of policy. Are there inexpensive no exam options for you? Absolutely! But you’ll need to choose the right kind of no exam policy.

Read on to learn which of the four types of no exam life insurance is right for you. Or, get a bird’s-eye view of how much life insurance costs.

Types of no medical exam life insurance

There are three types of no exam life insurance.

Accelerated underwriting

Also called express underwriting, these policies allow applicants to skip the medical exam and receive a fast decision from the life insurance company. Strictly speaking, accelerated underwriting isn’t a distinct type of life insurance, but a different application process. As such, many insurers offer this process for some policies—but typically only for the healthiest applicants.

With this process, you’ll still need to answer medical questions truthfully. If you qualify, you could receive coverage within minutes at the same price as you’d get if you had taken an exam. If you don’t qualify, the insurer may require blood and urine samples to complete your application.

If immediate coverage is your main concern, this could be the right choice for you.

Simplified issue

Simplified issue life insurance also considers your health. You’ll answer medical questions and give the insurer permission to pull your medical records.

This process isn’t as quick as accelerated underwriting, but you won’t have to give blood or urine samples. If you’re healthy and don’t need immediate coverage but want to avoid an exam, simplified issue could be right for you.

Guaranteed issue

Guaranteed issue life insurance doesn’t consider your health at all during the application process. Not only can you skip the exam, but you can skip the questionnaire and keep your records private too. You can’t be turned down for this policy due to medical reasons.

The catch, of course, is that these policies provide less value than other no exam options. Your coverage options will be slim—$50,000 is about as high as you’ll see. And you’ll probably pay just as much as (or more than) you would for an exam-required policy.

Unfortunately, most companies offer guaranteed issue life insurance only to older adults, so you may have trouble finding one before your 50th birthday.

Still, if you’ve been turned down for life insurance before, a guaranteed issue policy might be your best bet.

The most common no exam policies

While it’s possible to find no exam term, whole, and universal life insurance, these policies typically require applicants to give urine and blood samples. But some kinds of life insurance are almost always no exam.

Graded death benefit or modified policy

These kinds of coverage have a waiting period. In short, that means you’ll start paying premiums before your coverage fully kicks in, perhaps two years. A modified policy makes you wait up to two years for coverage. A graded death benefit gives you some coverage right away and full coverage after a few years. In the absence of health information, this waiting period helps insurers mitigate the risk of insuring policyholders.

Group life

Group life insurance, like the kind your employer might sponsor as part of your benefits, is typically guaranteed issue. These policies don’t consider your health, and you won’t have to take a medical exam.

Final expense

Final expense insurance is designed to cover end-of-life costs, such as a funeral or your last medical bills. As such, it’s popular among older adults and typically has a death benefit under $50,000. Insurers generally don’t require a medical exam for this coverage.


Bottom line: No exam life insurance options are plentiful

Being able to skip the medical exam when applying for life insurance can be a huge relief. Applicants typically receive a faster response and possibly immediate coverage. And those with preexisting health conditions can buy guaranteed issue policies without worrying about how their health will affect coverage.

But no exam life insurance may not be for everyone. The right type of policy for you depends on your situation—and so does the right company. To recap, here are our picks for the best no exam life insurance companies:

  1. Haven Life
  2. American Amicable
  3. Gerber
  4. AARP
  5. Bestow
  6. Principal Life
  7. John Hancock
  8. Transamerica
  9. Mutual of Omaha
  10. Lincoln Financial

If you want to skip the exam, get no medical exam term life insurance quotes tailored to your situation.


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