Life Insurance Quotes Over 50 (No Medical Exam): Fast, Simple Coverage Options

If you’re over 50 and want life insurance without a medical exam, you’re not alone.

Many people want coverage that’s easy to apply for, doesn’t require needles or lab work, and can be approved quickly.

This page explains how no-medical-exam life insurance works for people over 50, what it typically costs, how to choose the right type of policy, and how to get accurate quotes without wasting time.

Ready to compare options now?

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Who This is For (And Why "No Exam" Can Be a Big Win After 50)

You may be a good fit for no-medical-exam life insurance if you:

• Want coverage quickly (often in days, sometimes faster)
• Prefer not to schedule a paramedical exam
• Have a busy schedule or limited mobility
• Have mild or moderate health concerns and want to see what you can qualify for
• Want predictable, affordable coverage to protect family, pay debts, or cover final expenses

Important: "No medical exam" usually doesn’t mean "no health questions." Many policies still ask about medications, diagnoses, or recent hospitalizations. The good news: you can still qualify for strong coverage even with some health history.

Get a personalized, no-pressure comparison.

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The 3 Main Types of Life Insurance Over 50 with No Medical Exam

1. No-Exam Term Life Insurance (Best for Most Budgets)

Term life covers you for a set time period (often 10, 15, 20, 25, or 30 years).

For people over 50, term is often used to:

• Replace income for a spouse
• Pay off a mortgage
• Cover a business loan
• Protect children or dependents
• Leave a financial cushion for loved ones

Why it’s popular: You can often get higher coverage amounts for lower monthly cost compared to permanent policies. Start Your FREE Quote.

Common coverage ranges (varies by carrier): $50,000 to $1,000,000+.

2. No-Exam Whole Life (Lifetime Coverage + More Certainty)

Whole life is permanent coverage designed to last for life (as long as premiums are paid).

It can be a fit if you want:

• Coverage that doesn’t expire after a term ends
• More stable premiums
• A plan for final expenses and legacy goals

Many whole life policies build cash value over time, though it’s typically not a "get rich" feature—think of it as an added financial tool, not the main reason to buy.

3. Guaranteed Issue Final Expense (No Exam, No Health Questions)

Guaranteed issue is often used when health conditions make traditional underwriting difficult.

These policies generally:

• Have lower coverage amounts (often $5,000–$25,000)
• Cost more per dollar of coverage
• May include a graded benefit period (full benefit may phase in over time)
• Start Your FREE Quote.

How "No Medical Exam" Underwriting Works (So You’re Not Surprised)

Most no-exam policies use accelerated underwriting, which may review:

• Your application answers (health and lifestyle questions)
• Prescription history (Rx database check)
• Motor vehicle report
• Public records and identity verification
• Medical Information Bureau (MIB) history (where applicable)

What this means for you:

• No nurse visit or lab work for many applicants
• Faster decisions
• Rates are still based on risk, so being accurate matters

Tip: Don’t guess on medications or dates. Small errors can delay approval.

Life Insurance Quotes Over 50: What Affects Your Price Most

Your rate is usually driven by:

• Age (even one year can matter)
• Gender (actuarial pricing differs)
• Tobacco use (biggest cost jump)
• Health history (blood pressure, cholesterol, diabetes, heart history, cancer history, etc.)
• Medications and recent changes in treatment
• Height/weight ratio
• Coverage amount and term length
• State of residence

Two people who are both "healthy" can still get different quotes based on meds, family history, or build.

The fastest way to find the best price is to compare multiple carriers—because each carrier weighs risk differently.

Stop overpaying because you picked the wrong company first.

Request your FREE no-medical-exam life insurance quote comparison

Realistic Cost Expectations (Without Fake "Too Good to Be True" Numbers)

If you’ve seen unbelievably cheap "$1/day" ads, be careful.

Many ads:

• Assume perfect health
• Use the lowest coverage amount
• Quote a narrow age band
• Omit tobacco status
• Ignore policy fees or riders

A real quote depends on you.

If you tell us:

• Your age
• Gender
• Tobacco status
• Desired type of life insurance and coverage amount
• General health overview

…we can generate realistic quote ranges quickly.

Get real numbers for your situation.

Request a FREE quote in minutes

Best Coverage Amounts for People Over 50 (Quick Guide)

Not sure how much life insurance to get?

Here are common starting points:

1. $25,000–$50,000:

• Final expenses, small debts, modest legacy

2. $100,000–$250,000:

• Final expenses + debt payoff + financial buffer for spouse

3. $500,000–$1,000,000+:

• Income replacement, mortgage payoff, larger legacy, business needs

Compare different amounts of coverage instantly to see your pricing.

Request a FREE life insurance quote (no medical exam options)

No Medical Exam Life Insurance Over 50: Pros and Cons

Pros

• Convenience: no scheduling a paramed exam
• Speed: faster approvals in many cases
• Comfortable: no blood draw or urine sample for many applicants
• Often competitive pricing for healthy to moderately healthy applicants

Cons

• Not always the cheapest for everyone (some people get better rates with a full exam)
• May have lower maximum coverage with certain products
• Health questions still matter; some conditions may require more review

A simple rule:

• If you want the best chance at the lowest rate, compare both no-exam and traditional options.
• If you want speed and simplicity, focus on strong no-exam carriers first.

Common Questions About Life Insurance Over 50 with No Medical Exam

1. Can I really get life insurance over 50 with no medical exam?

Yes. Many carriers offer policies that don’t require an in-person medical exam for qualified applicants, using digital underwriting instead.

2. How fast can I get approved?

Some applicants receive decisions quickly, but timelines vary. Factors include application accuracy, prescription history, and whether the carrier requests additional records.

3. Will I be denied if I have health issues?

Not necessarily. Mild to moderate conditions can still qualify. If your health history is more complex, guaranteed issue or simplified issue options may still be available.

4. Does "no exam" mean no health questions?

Usually, no. Many policies still ask health questions. Guaranteed issue is the main category with no questions, but it often costs more and may have graded benefits.

5. What if I’m over 60 or over 70?

No-exam options still exist at 60+ and 70+, though available terms and maximum coverage may change. The best approach is to shop multiple carriers.

How to Get Accurate "Over 50, No Medical Exam" Quotes (In 3 Steps)

Step 1: Choose a goal

Final expenses? Mortgage protection? Income replacement? Legacy?

Step 2: Pick a coverage range

We can run multiple coverage levels so you can see the price difference.

Step 3: Compare carriers that fit your profile

Not every company is great for every health situation. Matching matters.

If you want, we can do the comparison work for you and present clear options—no confusion, no pressure.

Get your FREE life insurance quote comparison.

Ready to See Your Best No-Exam Options?

If you’re over 50 and want life insurance without a medical exam, the next step is simple: get a personalized quote comparison.

It takes only a few minutes, and you’ll know what’s realistic for your age, health, and budget.

Compare 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 $3,000,000 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 choose from $25,000 to $3,000,000 of no exam life insurance coverage from several leading life insurance carriers through JRC Insurance Group. Start Your 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.

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
• Learn How Guaranteed Acceptance Life Insurance Works
• Investopedia: Learn more about financial planning with term life insurance.

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.

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