Affordable Life Insurance Protection for Your Family

Can I Get Life Insurance without Medical Exam?

How to Buy Life Insurance without an Exam

Are you looking for life insurance coverage but you don’t want to take any physical examination in order to get insured?

If so, it may be much easier to get life insurance than you might have expected.

Actually, there are several plans you may be able to choose from including simplified issue term life and guaranteed approval whole life insurance.

To determine the plan that’s right for you, there are a few things to consider, including your age, your budget, the type and amount of life insurance you need, and your health.

We’ll review the basic types of no exam life insurance plans to help you understand the features and benefits if each type so you can choose the policy that meets your specific needs.


Review of No Exam Life Insurance Plans


Simplified Issue Term Life Insurance


Top Pick – Haven Life Insurance Agency

  • Get up to $2,000,000 of affordable term life insurance today
  • Apply online in under 20 minutes, start coverage today
  • Rated A++ by AM Best

Haven Life uses the information provided in your application to make an instant decision on your application. Healthy, qualified applicants (based on the information provided in your life insurance application) can be insured immediately with no medical exam while other applicants can receive immediate coverage pending a medical exam.

Applicants age 60-64 are eligible to apply for up to $1 million in coverage; subject to underwriting approval.  

Some qualified applicants (U.S. citizens up to the age of 59) will be able to finalize coverage without the need for a medical exam. The majority of applicants are still required to take a medical exam.  

Keep in mind: Issuance of the policy or payment of benefits may depend upon the answers given in the application and the truthfulness thereof.

Pros of Haven Life

  • Very competitive pricing for healthy individuals.
  • Up to $2,000,000 of same day coverage.
  • 30 day money-back guarantee.


Cons of Haven Life

  • No coverage available for people with serious health issues including diabetes.
  • You may need a medical exam depending on your age and health.
  • Coverage limited for people age 60 and under.


Highly Recommended – Globe Life Insurance

Get FREE Information on how $1* Can Buy Up To $100,000 Globe Life Insurance for Adults or Children

  • No Medical Exam – Simple Application.
  • No Waiting Period. Buy Direct.
  • Rates As Low As $3.49 per month.
  • Join over 4.4 Million Policyholders.
  • No Phone Required. No Credit Required.
  • Coverage in force is over $91 billion.
  • A.M. Best rating is an A (Excellent) as of 7/21.

Pros of Globe Life

  • Start your life insurance policy for just $1.
  • Coverage available for people ages 18 to 78.
  • Apply online for your policy in about 5 minutes.


Cons of Globe Life

  • Limited to a maximum of $100,000 of coverage.
  • Some carriers may offer more affordable plans.


Guaranteed Approval Life Insurance


Top Pick – United of Omaha

United of Omaha offers guaranteed acceptance whole life insurance for people age 45 to 85. Choose $3,000 up to $25,000 of coverage. Rates start as low as $8.80 per month. There’s no medical exam and no health questions. You cannot be turned down. You can get a quote and apply online now. 


Pros of United of Omaha

  • Guaranteed approval for age 45-85.
  • No health questions asked.
  • A+ rated life insurance carrier.
  • 60 day money-back guarantee.


Cons of United of Omaha

  • Maximum coverage amount limited to $25,000.
  • Graded benefits the first two years you are insured.

Can I Get Life Insurance without Medical Exam

Funeral Insurance without Medical Exam

Guaranteed Approval Life Insurance

Disclosure: Compensated Affiliate