Affordable Life Insurance Protection for Your Family

Do All Life Insurance Policies Require a Physical?

Life Insurance and Physical Exam Requirements

Do All Life Insurance Policies Require a Physical?

If you’re shopping for a life insurance policy you may be wondering if you’ll be required to take a medical examination.

The answer is "NO". All life insurance policies do not require the applicant to take a physical.

There are life insurance plans available without any doctor exam necessary to qualify for coverage. 

There are term life insurance and permanent life insurance policies without any exams.

Term Life Insurance


Term life is temporary coverage lasting for a specific period of time, usually up to 30 years. You may choose a term of coverage lasting for a period of 10, 15, 20, 25 or 30 years.


Permanent Life Insurance


Permanent life insurance offers lifetime protection that remains "In Force" as long as you pay your premiums.


Term Life Insurance without a Physical


These plans offer up to $1,000,000 or more of insurance for qualified applicants who meet the health and age requirements for approval. Usually, you have to be between 20 to 60 years old and be healthy.

Some of the leading providers of non-medical life insurance include Haven Life, Fidelity Life, and Sagicor Life, among others.


Permanent Life Insurance without a Physical


These plans are considered "Guaranteed-Issue" and offer life insurance with guaranteed approval for anyone who:

  • Meets the age requirements for approval
  • Lives in a state where the insurance company is licensed to do business
  • Lives in a state where the insurer offers the Guaranteed-Issue plan


These Guaranteed life insurance policies offer a limited amount of insurance, usually up to $25,000 or less, for people who meet the age requirements.

The age to qualify for guaranteed coverage may vary by insurer, including ages 45-75, 40-80, or 45-85.

If you choose you may purchase a guaranteed policy from more than one insurance carrier.

Many seniors buy permanent guaranteed life insurance to pay for their final expenses, including the cost of their funeral and burial.  

These plans are excellent for anyone who has health issues or has been turned down for life insurance from other insurance companies.

Some of the leading providers of guaranteed approval permanent life insurance plans include Mutual of Omaha, Gerber Life, MetLife, AIG and Transamerica, among others.


Term Life Insurance No Physical Exam Quotes

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.


 Permanent Life Insurance No Physical Exam Quotes

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


Do All Life Insurance Policies Require a Physical?

No Physical Life Insurance Plans

Disclosure: Compensated Affiliate