Affordable Life Insurance Protection for Your Family

Can I Get Term Life Insurance without a Physical?

Do You Want to Buy Term Life Coverage the Easy Way, with No Doctor Exam?

Can I Get Term Life Insurance without a Physical?

If so, you’ve come to the right place. Today it’s quicker and easier than ever before to start your life insurance policy.

In fact, it only takes about 10 minutes to apply for your coverage online.

And, you could find out within minutes if you qualify for a policy with no exam.

I know, you’re probably wondering is this for real, how can it be that easy, right?

Well, it’s due to the advances many insurance companies have made thanks to the internet and technology.

Insurers can now analyze the information you give them by filling out an application online, and give you a response within minutes to let you know whether or not you are approved for coverage.

That’s a heck of a lot better than buying life insurance in the good old days before the internet. 

Before the internet, it would take up to 6-8 weeks to go through the entire life insurance policy purchasing process, which included a visit to your home by a life insurance agent, a medical exam, and waiting weeks to find out if you passed the exam, and if the insurance company accepted you for coverage. Then, add on more time to deliver your policy to you.

But now, thanks to the internet, insurers allow you to apply for coverage from your computer, tablet or phone, and find out in less than 15 minutes if they will insure you.

Once you are accepted, you select a premium payment option, and start your policy right away.

I know, now you’re wondering if you are making the right choice.

Well, each life insurance policy comes with a Risk Free, Money-Back Guarantee. So, you have absolutely nothing to lose.

And, there’s a safe, secure insurance company offering no exam term life insurance coverage which you can apply for today. This life insurer is rated "A+" Superior by A.M. Best Company for financial strength.


How Does Term Life Insurance with No Exam Work?

I’m glad you asked. It’s actually a very easy-to-understand type of insurance plan. 


No Doctor's Visit

Term life with no physical means you won’t have to take any physical examination to get insured. 

Your approval for coverage is based on your answers to the health questions asked on the application for coverage, in addition to a review of any medical records available through the Medical Information Bureau.


Select a Term for Coverage

You select the "term" of your policy, which is the length of time your life insurance coverage will last. 

You can select a term of 10, 15, 20 or 30 years, depending on your age.


Select an Amount of Coverage

You also select an amount of life insurance to fit your needs. The higher the amount of coverage, the higher your annual cost of insurance.


Answer Some Health Questions

Next, you answer some basic questions about your personal health and lifestyle. 

These questions will include your age, gender, health, family health history, tobacco use, driving record, lifestyle, occupation, hobbies, etc. 

Basically, the younger and healthier you are, the lower your cost for coverage, because you have a longer life expectancy than someone who is older and has health issues.

However, keep in mind, these no physical term life plans are designed for people who are generally in good health.

There are some health issues which may not qualify for a no exam policy. 


Why Buy Term Life Insurance without Health Exams?

Usually, people looking to buy a term life policy without taking a physical exam are doing so for one of a few common reasons:

  • You want life insurance protection that begins immediately.
  • You can’t stand going to the doctor or taking a medical examination.
  • You have a health condition that keeps you from applying for a more traditional type of life insurance policy. 

The good news is, "Yes" you can start your no exam policy right away, and you don’t have to take a medical exam to get insured.

However, if you have a health problem, you may or may not be approved for coverage since these plans are usually for people in average or better than average health.

  Term Life Insurance with No Medical Exams

Top Pick – JRC Insurance Group

JRC Insurance Group helps you shop, compare and save on life insurance. Regardless of your age or health background, we'll shop our 40+ insurance companies and find you affordable life insurance you need to protect your family and fit your budget. Compare the best life insurance rates for savings up to 73%. 

JRC Insurance offers up to $2,000,000 of life insurance with no medical exam required.

You can get approval for your insurance policy in as little as 10 minutes to 2 days. JRC offers no exam life insurance for diabetics, too.

JRC offers some of the best rates on life insurance policies without any health exams required.

You can compare and choose from $25,000 to $2,000,000 of no exam life insurance coverage from several leading life insurance carriers through JRC Insurance Group.


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.
  • The Globe Life Family Of Companies Has Nearly 17 Million Policies In Force.
  • No Phone Required. No Credit Required.
  • The Globe Life Family Of Companies Has Over $224 Billion Of Coverage In Force.
  • Globe Life Is Rated A (Excellent) By A.M. Best Company As Of August 2023.

Guaranteed Issue Life Insurance Coverage

If you are not approved for term life with no health exam, or you have medical problems, you may want to try guaranteed approval life insurance which offers guaranteed coverage for people ages 45 to 85. 

A guaranteed issue policy provides permanent life insurance lasting your entire lifetime and it builds cash value inside the policy. There’s no doctor exam required, and no health questions asked. 

And, if you meet the age requirements, you cannot be turned down for coverage due to any pre-existing health conditions.

Highly Recommended – Mutual of Omaha

Mutual of Omaha offers guaranteed acceptance whole life insurance for people age 45 to 85. Choose $2,000 up to $25,000 of coverage. Rates start as low as $8.84 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. START HERE to get a FREE Quote.


  • Your life insurance policy comes with a 30 day Risk-Free, Money-Back Guarantee

How to Buy Life Insurance Policies for Your Adult Children

Can I Get Term Life Insurance without a Physical?

Buy Term Life Insurance without an Agent

Life Insurance for Seniors Age 50 to 85

Disclosure: Compensated Affiliate