Affordable Life Insurance Protection for Your Family

Life Insurance Non Medical Maximum

What is the Maximum Amount of Life Insurance You Can Buy without taking a Medical Exam?

The answer depends in part on your age and health. In addition, the insurance company makes a difference too, as some insurers offer life insurance without a medical exam at different maximum amounts of coverage.

Some of the leading providers of no exam insurance policies include Haven Life, Sagicor, Fidelity Life, Globe Life, and United of Omaha, among others.

Note: You can purchase life insurance without a medical exam from more than one insurance carrier if you wish to have more protection.

For example, if you purchased the maximum amount of no medical life insurance from each of the insurers listed below, you could own $4,124,000 of life insurance protection without taking any physical examination

Review of No Medical Life Insurance Plans


Top Pick – Haven Life Insurance Agency

  • Get up to $3,000,000 of affordable term life insurance today
  • Apply online in under 20 minutes, start coverage today
  • Rated A++ by AM Best
  • Available for People Ages 18 to 64

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.


High Recommended – Sagicor Life

JRC Insurance Group offers non-medical life insurance through Sagicor Life.

Sagicor offers you up to $500,000 of affordable life insurance protection with no exam, just 7 health questions and a brief phone interview to verify your details. 

Sagicor has an AM Best financial rating of "A-", and a quick and easy underwriting process, offering you safe, secure life insurance with a convenient way to get insured. 

With Sagicor, you can get your approval within 10 minutes to a couple days. No more waiting weeks or months to find out if you can get insured for life insurance.

Sagicor Life Insurance Company was established in 1840 and operates in 21 countries including the USA.

After a short phone interview of around 5-10 minutes you can get approved for your life insurance the same day.

The entire process is quick and easy, and offers you a convenient way to get the life insurance protection your family needs, at a price you can afford – without delays or hassles.


Sagicor Features:

  • Approval is instant or within 48 hours
  • Up to $500,000 of coverage
  • Coverage for 10, 15 or 20 years
  • No Medical Exam required
  • Convertible to permanent life insurance


Sagicor is recommended for healthy and fairly healthy individuals with a moderate history of health issues. Get a FREE Quote.


Highly Recommended – Fidelity Life

Buy up to $499,000 of term life insurance online without having to take any physical examination, blood or urine tests. Fidelity Life is rated "A-" Excellent by A.M. Best for financial strength. Established in 1896. 30 day money-back guarantee. Get a FREE Quote.


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.
  • Join over 4.4 Million Policyholders.
  • No Phone Required. No Credit Required.
  • Coverage in force is over $91 billion.
  • A.M. Best rating is an A (Excellent) as of 7/21.

Get a Free Quote

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.



How to Buy a Million Dollar Life Insurance Policy

Life Insurance Non Medical Maximum

Disclosure: Compensated Affiliate