Affordable Life Insurance Protection for Your Family

Cheapest Life Insurance without Physical

What is the Cheapest Life Insurance without any Physical Exam Required?

If you’re looking for low cost life insurance without having to take any medical check-up, then you’ll want to learn about no exam life insurance, how it works, and what affects pricing of these policies.

What is a Life Insurance Policy without a Physical?

It’s a quick and easy way to purchase the protection your family needs without the delays and hassles of a traditional life insurance policy.

Instead of having to wait for the paramed examiner to come to your home, give you an exam, send the results to the insurer, have the medical laboratory test your blood and urine samples, get that back to the insurance company, have the results reviewed, and fully underwrite your application, which can take up to 4-6 weeks – now you can get insured in as little as 1 day or less, without taking a physical examination.

Pricing Factors for No Exam Policies

Insurance carriers consider several factors to determine the price you pay for no exam life insurance, including your age, gender, health, tobacco use, lifestyle, hobbies, occupation, driving record, height-to-weight ratio, family health history, among other things. 

Each of the personal risk factors mentioned above impact your life expectancy – how long you are expected to live. The longer your life expectancy, the lower your cost of coverage.

In addition, the "term" (duration) of your insurance policy impacts pricing – the longer your coverage will last, the higher your rate per $1,000 of life insurance.

Term life insurance is temporary life insurance lasting for up to 30 years. 

You may choose a term of 10, 15, 20 or 30 years (usually) for a no physical term life plan.


How to Save Money


You can lower the cost of your no exam life insurance policy with the following tips:

  • Use a Life Insurance Needs Calculator to determine how much insurance you need so you aren’t paying for more insurance than you really need.
  • Choose the Annual Premium Payment Option instead of monthly, so you lower the fess charged for processing several payments per year instead of just one premium payment.
  • Choose a Term (duration) of coverage that is shorter. The shorter your term for life insurance, the lower your rate per $1,000 of coverage because your chances of dying sooner rather than later are less.
  • Improve Your Health – To lower your premiums you can quit smoking, lower your cholesterol, lower your weight, exercise, and eat healthy to improve your overall health and qualify for a better (lower) rate on your insurance.


How Much Coverage Can I Buy without an Exam?

That really depends on you – your age and health.

In addition, the amount of insurance without any physical exam will depend on the insurance company. Some insurers may offer up to $100,000 of coverage without exams, while others may offer up to $1,000,00 or more.


Can I Apply Online?

This will vary by insurance company; however, several now allow consumers to apply online for no exam coverage through a safe, secure online application process.


How Long Does It Take to Start My Policy?

The time to get approved and insured will vary by insurer. Some no physical life insurance carriers offer coverage you can begin within 48 hours.

Some insurers offer quick-issue policies you may begin in as little as 15-20 minutes.


What Company Offers the Cheapest No Physical Life Insurance?

This will vary by insurer depending on your age and health.

However, some insurers are known to offer affordable no exam term life insurance policies for consumers age 20 to 60 who are healthy.

Cheap Life Insurance without Physical Exam

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.


Cheap Life Insurance without Health Questions


Can I purchase life insurance without having to answer any questions about my health?

Yes, these plans without questions asked about your health are referred to as "Guaranteed Issue" life insurance policies. 

With guaranteed insurance, there is no doctor exam required, and there are no health questions asked. You cannot be denied coverage due to any health problem.


Top Pick – 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


Cheapest Life Insurance without a Physical

One Dollar Starts Life Insurance Coverage

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