Affordable Life Insurance Protection for Your Family

How Much Life Insurance without a Physical?

Are You Wondering How Much Life Insurance You Can Buy without taking a Physical Exam?

If so, you’re in the right place.  

The amount of no physical exam life insurance you can buy will depend on your age, health and the insurance carrier. Some insurers offer up to $2,000,000 of coverage with no exam.

How much life insurance without a physical?

We’ll explain to you:

1. How no exam life insurance works

2. How much coverage is available

3. What types of life insurance, and 

4. Which carriers offer competitive rates.

What is No Exam Life Insurance?

First, a life insurance policy with no exam means you may qualify to purchase coverage without taking any health check-up, just based on your answers to the health questions asked, and a review of your medical information available to insurers.

How Much No Exam Coverage Can I Buy? 

Next, the amount of life insurance available to you without an exam will vary by insurer. Some carriers offer a maximum of $25,000 of coverage while others offer up to $1,000,000 or more without an exam.

The type of life insurance policy may impact the maximum amount of insurance available with no exams.

For instance, guarantee issue policies may offer up to $25,000 coverage, simplified term policies up to $500,000 and instant issue term life up to $2,000,000.


Types of No Exam Life Insurance Policies 

There are several types of life insurance plans offering coverage no physical exam, including:


  • Quick Issue Term Life Insurance – These plans usually offer higher amounts of term life insurance coverage with no medical exam, same day approval and instant coverage.
  • Simplified Issue Life Insurance – These plans usually offer $500,000 or less of coverage with no health exam, and may take 1-2 days for approval, and coverage to begin.
  • Guaranteed Issue Life Insurance – These plans offer guaranteed approval permanent life insurance for anyone who meets the age requirements (which vary by insurer). But one leading carrier offers guaranteed coverage for people ages 45-85 (50-75 in NY). There’s no exam and no health questions asked.

Review of No Physical Life Insurance Companies


There are now several highly-rated insurers offering no exam life insurance, including the following:


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

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.

  Get a Free Quote


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

Maximum Amount of Life Insurance with No Physical

As you can see the review of insurers listed above, the maximum amount of no exam life insurance from one insurer is $2,000,000 for qualified applicants – meaning those who are healthy and meet the requirements for approval by the insurance company.


No Exam Life Insurance from Multiple Insurers 

Keep in mind, you may purchase life insurance from more than one insurance company. 

That’s right, you can own multiple life insurance policies.

If you need more coverage than you get from any one of the insurers listed above, you can apply to the other carriers for a policy, too.

How Much Life Insurance without a Physical?

Disclosure: Compensated Affiliate