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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. Get a Free Quote.


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.

Some of the leading providers of no exam policies include:


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

Get a FREE Quote 

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.


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 4.3 Million Policyholders.
  • No Phone Required. No Credit Required.


Highly Recommended – 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. START HERE to get a FREE Quote.


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?

Disclosure: Compensated Affiliate