Affordable Life Insurance Protection for Your Family

Life Insurance No Medical Exam

What is Life Insurance with No Medical Exam?

Life Insurance No Medical Exam

Life Insurance with No Medical Exam coverage is a type of life insurance policy that does not require you to take a physical exam in order to qualify for coverage, just answer some health questions.

Many life insurers require you to take a medical examination to qualify for coverage; however, this depends on your age and the amount of coverage you are requesting to purchase.

No Exam Life Insurance Policies 

One type offers coverage up to $25,000 with instant approval.

However, the full coverage may or may not become effective until you have owned the policy for 1-2 years, depending on the insurer and terms of the policy. These types of policies are usually considered final expense or burial insurance policies.

Another form of coverage offers you up to $2,000,000 of protection, with full coverage from the first day you purchase the policy. This is a simplified issue policy that allows for immediate approval of coverage based on your answers to a few health questions. 

Why Should I Buy This Type of Life Insurance?

Many people choose no medical exam life insurance policies, that require you to just answer some medical questions, for the following reasons:

  • You may qualify for coverage today.
  • You can get a policy "In Force" the same day you apply (if qualified).
  • There’s no need to meet with an insurance agent.
  • No mailing delays.
  • No medical exam required, just some few medical questions.

Basically, it offers you the opportunity to buy life insurance online by answering a few health questions, and you won’t have to take a physical.

Who May Qualify for No Exam Life Insurance?

Usually, most people may qualify for coverage. If you are in good or average health, you may qualify.

If you are in poor health, you may not meet the requirements for qualification. You just answer some health questions online and find out today if you qualify for a policy.

How Much Does It Cost?

You may pay a little more for this type of policy, because coverage is available online.

There is no extensive underwriting of your risk, so the rates a little higher to account for the higher risk to the life insurance company of accepting people who may not qualify for coverage with other companies.

Where is This Life Insurance Coverage Offered?

You can find offers for quotes and coverage online through a few top-rated insurers. Rates and amounts of coverage available may differ by insurance company.

Also, review the terms of the policy, since full coverage may not become effective until you have owned the policy for a period of time.

How Do I Apply for Coverage?

You can request a quote online. Just answer a few medical questions and get an instant quote. If you like your rates you can request coverage and pay your first premium online with your credit card. If you qualify, you can usually be insured the same day.

Some insurers even let you print out your policy immediately. You usually have a 30 day "Free Look" period, depending on the insurer.

So, if you want to cancel your policy for any reason you can get a full refund of your money paid within the first 30 days. Terms and conditions of the policy may vary by insurer.


Life insurance no medical exam policies (just answer some medical questions) offer a quick and easy way to get life insurance protection at affordable rates. Rates may be higher than other policies, but there’s less hassle and you can get protection today if you qualify for coverage.

Life Insurance No Medical 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 63 top life 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.

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