Life Insurance for Adult Children with No Medical Exam Required: The Complete 2025 Guide

Last Updated: November 16, 2025 | Written by President of Term Life Online – AU, AAI, ARM

The 3 Types of No-Medical-Exam Life Insurance for Adult Children

1. Simplified Issue Term Life Insurance

This option uses a short health questionnaire but no physical exam.

Great for adult children who are generally healthy.

• Coverage amounts: $50,000 – $1,000,000+
• Approval time: Instant to 24 hours
• Best for: Affordable long-term protection
• Start Your FREE Quote

2. Guaranteed Issue Whole Life Insurance

Requires zero health questions and zero exams—acceptance is guaranteed.

• Coverage amounts: $10,000 – $75,000
• Approval time: Immediate
• Best for: Adult children with health issues, disabilities, or those who’ve been denied before
• Start Yor FREE Quote

3. Accelerated Underwriting Life Insurance

Uses electronic data (RX history, MIB, motor vehicle reports).

Still no exam for most applicants — but offers much higher coverage than simplified or GI plans.

• Coverage amounts: Up to $2,000,000
• Approval time: Same day
• Best for: Adult children who qualify for near-standard rates
• Start Your FREE Quote

What Parents Can Expect to Pay (2025 Pricing)

        Adult Child’s Age     Coverage          Monthly Cost (No Exam Term)

                     22                       $250,000                            $12-$17/month

                     30                       $250,000                            $15-$22/month

                     40                       $250,000                            $22-$35/month

• Guaranteed issue policies start around $25–$45/month, depending on age and amount.

Can You Take Out Life Insurance on Your Adult Child?

Yes — as long as they give consent, sign the application, and are aware of the policy.

You can also:

• Be the owner
• Be the payer
• Be the beneficiary

This ensures the policy stays active and under your control.

Top Benefits of No-Medical-Exam Coverage for Adult Children

✔ Fast approvals

• Many companies offer instant same-day coverage.

✔ Great for kids with busy schedules

• No labs, no doctor appointments, no needles.

✔ Ideal for children with mild to moderate health issues

• No-exam carriers are surprisingly flexible with BMI, anxiety, ADHD, asthma, and more.

✔ Parents can fully control the policy

• Ownership = long-term stability.

✔ Affordable pricing

• Today’s no-exam policies are nearly identical in cost to traditional fully underwritten policies.

Best Companies for No-Medical-Exam Life Insurance for Adult Children (2025)

• Ameritas – Accelerated underwriting up to $2M
• Allstate Benefits – Guaranteed issue, whole life 
• SBLI– Great pricing for adults in their 20s–40s

Each carrier has its own underwriting sweet spots, and approval odds vary case by case.

How to Get the Best Rate (Expert Tips)

1. Submit applications with 2–3 top no-exam carriers

Rates vary wildly — shopping multiple carriers often saves 20%–40%.

2. Have your adult child answer health questions honestly

No-exam policies use digital verification. Honesty prevents delays or denials.

3. Choose a level term policy when possible

It locks in a low rate for 10, 15, 20, or 30 years.

4. Let the parent own and pay for the policy

This ensures it never lapses.

Final Thoughts: No-Exam Life Insurance for Adult Children Is Faster and Easier Than Ever

Whether your child is healthy, busy, or dealing with medical challenges, you can secure meaningful protection without any exams or barriers.

No-medical-exam life insurance is the quickest, simplest way to protect your family from unexpected financial burdens — and today’s policies are more affordable and more accessible than ever.

No Exam Life Insurance 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 63 top life insurance companies and find you affordable life insurance you need to protect your family and fit your budget. 

JRC Insurance offers up to $2,000,000 of life insurance with no medical exam required.

You canget 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 choose from $25,000 to $2,000,000 of no exam life insurance coverage from several leading life insurance carriers through JRC Insurance Group. Start Your FREE Quote.

Highly Recommended – Allstate Benefits Insurance Company

Allstate Benefit's Guaranteed Acceptance policy offers $10,000 to $75,000 of coverage to working applicants between the ages of 18 and 70. Rates start as low as $9.65 per month. There’s no medical exam and no health questions. You cannot be turned down. You can get a quote and apply today. Start Here to get a FREE Quote.

NOTE: To qualify, applicants must be working at least 20 hours per week and not collecting any form of disability income or SSDI.

No Waiting Period: The policy goes In Force on the first day of the month after it's purchased. For example, if the policy was purchased during the month of January, it would be active February 1st.

Resources:

• Tips for Buying Term Life Insurance with No Exam
• Term Life Insurance No Exam FAQs
• Pros and Cons of Term Life Insurance with No Exam
• A.M. Best Company: Compare financial strength ratings of life insurance companies
• Life Happens.org: Learn about life insurance and review facts.

About Our Methodology

Reviewed By: President of Term Life Online – AU, AAI, ARM

• 30+ years of experience in insurance planning

How We Keep This Guide Accurate: We regularly updates our content to reflect the latest rates and industry trends. We are committed to providing transparent, unbiased information to help you make the best decision for your family.

At Term-Life-Online.com We value your trust and privacy.