Affordable Life Insurance Protection for Your Family

How Much Does No Medical Exam Life Insurance Cost?

Compare Pricing for Life Insurance without Exams

Are You Shopping for a Life Insurance Policy That Does Not Require You to Take a Health Exam?

If so, you’ve come to the right place. Today, it’s possible for healthy individuals to get affordable life insurance without the hassles and delays of having to take a physical.

There’s even no exam life insurance policies available for people with health issues, and those who have been turned down for coverage.

The Cost of No Medical Life Insurance


There are several factors that will affect your price for coverage with no exams. 

The Type and Amount of Life Insurance impact the cost of your policy.

In addition, Rates for coverage will Vary by Insurance Carrier.

Also, your own Personal Risk Factors will help to determine your rate, including but not limited to the following:

  • Age
  • Health
  • Family Health History
  • Driving Record
  • Height-to-Weight Ratio
  • Occupation
  • Hobbies
  • Tobacco Use
  • Lifestyle


Basically, the younger and healthier you are, the lower your cost of life insurance.


Types of No Exam Life Insurance Policies


There are two common types of no medical policies available: Term and Permanent.


Simplified Issue Term Life Insurance


Term insurance offers you temporary protection lasting up to 30 years. 

Usually, you may choose from 10, 15, 20, 25 or 30 years of coverage, depending on your age and health.

If you pass away during the duration (term) of your coverage, while your life insurance policy is "In Force", your beneficiary (which you choose), will receive the death benefit proceeds from your insurance plan.

These benefits are usually paid out free from federal income tax. 


Guaranteed Issue Permanent Life Insurance


Permanent (whole) life insurance provides protection guaranteed to last your entire lifetime, as long as you pay your premiums on time.

Guaranteed Issue means you cannot be turned down for insurance due to any health reason, as long as you:

  • Meet the Age Requirements for Approval
  • Live in a State where the Insurance Company is Licensed and Offers the Plan
  • You Can Pay the Premiums


Some guaranteed issue policies are available for people ages 45-75, 40-80, or 45-85 years of age. 

There’s no doctor exam required, and you won’t have to answer any questions about the condition of your health. Get a Free Quote.


Can I Buy Non-Medical Life Insurance on My Spouse?

Yes, you may purchase a policy for your spouse. In order to buy life insurance on another person you must have an Insurable Interest on that person.

Insurable Interest means you either rely on the person for some means of financial support, or that you would suffer some financial cost/loss should that person die.

Insurable Interest does exist between spouses, which means you may purchase a life insurance policy for your husband or wife.


What If I Change My Mind and Want to Cancel My Policy?

Each life insurance policy is issued with a Free Look Period, which means you have that period of time in which to review your policy and return it to the insurance company for a full refund of all premiums you have paid. 

The length of time for a Free Look is regulated by the state in which you live. Free Look Periods may vary usually from 15, 20 or 30 days.


Life Insurance Companies with No Exams


There are several insurers that now offer life insurance coverage that does not require the applicant to take any physical examinations.


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.


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

There are even no medical exam life insurance plans for children. You may purchase up to $20,000 of child life insurance coverage without an exam.

How Much Does No Medical Exam Life Insurance Cost?

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