Life Insurance with No Blood Test: How to Get Approved without Needles (2026 Guide)

Last Updated: February 17, 2026 | Written by President of Term Life Online – AU, AAI, ARM

Can You Really Get Life Insurance with No Blood Test?

Yes. Many insurance companies offer no-blood-test life insurance, also called:

• No exam life insurance
• Simplified issue life insurance
• Instant approval life insurance
• Final expense insurance

These policies do not require blood draws, needles, or lab testing.

Instead, approval is based on:

• Health questions
• Prescription history
• Medical records (sometimes)
• Motor vehicle report

No needles required.

Why Insurance Companies Normally Require Blood Tests

Traditional life insurance uses blood tests to check for:

• Diabetes
• Cholesterol levels
• Liver function
• Kidney function
• Drug use
• Nicotine use

This helps insurers assess risk.

But modern underwriting technology allows companies to approve many applicants without blood testing.

Types of Life Insurance with No Blood Test

Here are the most common options:

1. Simplified Issue Life Insurance (Most Popular)

Best for: Healthy and moderately healthy applicants

Features:

• No blood test
• No medical exam
• Health questionnaire required
• Instant or same-day approval

Coverage amounts:

$50,000 to $1,000,000+

This option offers the best balance of price and convenience.

👉 Compare simplified issue policies now and see your exact rate in minutes.

2. Guaranteed Issue Life Insurance (No Blood Test, No Health Questions)

Best for: Serious health conditions

Features:

• No blood test
• No exam
• No health questions
• Guaranteed approval
• Start Your Free Quote

Coverage amounts:

$2,000 to $25,000

Best for:

• Seniors
• Serious illness
• Previously denied applicants

Downside:

Higher cost and waiting period.

3. Instant Term Life Insurance (Fully Online, No Blood)

Best for: Younger, healthy applicants

Features:

• Fully online application
• No blood test
• No exam
• Coverage up to $2,000,000+

Approval time:

Often under 15 minutes.

👉 See if you qualify for instant no-blood-test coverage now.

Who Qualifies for No Blood Test Life Insurance?

Most people qualify, including those with:

• High blood pressure
• Diabetes
• Anxiety
• Depression
• Mild heart conditions
• Obesity

Even seniors up to age 85 can qualify.

Who Benefits Most from No Blood Test Policies?

This option is ideal if you:

• Hate needles
• Want fast approval
• Need coverage quickly
• Have minor health issues
• Were denied traditional coverage
• Are over age 50

How Much Does Life Insurance with No Blood Test Cost?

Here are sample monthly rates:

Healthy Non-Smoker

Age 30 — $250,000 coverage — $18/month
Age 40 — $250,000 coverage — $26/month
Age 50 — $100,000 coverage — $38/month

Final Expense Coverage

Age 60 — $10,000 coverage — $45/month
Age 70 — $10,000 coverage — $79/month
Age 80 — $10,000 coverage — $140/month

Rates vary based on:

• Age
• Health
• Gender
• Smoking status
• Coverage amount
• Type of Policy

👉 Get your exact price instantly with a free quote.

How to Apply for Life Insurance with No Blood Test

The process is simple.

Step 1: Request a Free Quote

Compare multiple companies.

This ensures:

• Lowest price
• Highest approval odds

👉 Click here to get your free quote now.

Step 2: Complete the Application

Takes about:

10 minutes

Includes:

• Basic health questions
• Personal information

No exam. No blood.

Step 3: Get Approved

Many applicants are approved:

• Same day
• Instantly
• Within 24 hours

Step 4: Activate Your Coverage

Once approved:

• Coverage begins immediately
• Your family is protected

What Companies Don’t Tell You

Some companies still push medical exams.

But many offer no-blood-test options with similar coverage and competitive prices.

Choosing the right insurer makes a huge difference.

Pros and Cons of No Blood Life Insurance

Pros

• No needles
• Fast approval
• Easy application
• Convenient
• Available for most ages

Cons

• Slightly higher cost (sometimes)
• Lower coverage limits for some applicants

Common Myths

Myth: No blood test means no approval

False. Millions are approved every year.

Myth: It’s too expensive

Not true. Many policies cost less than $1 per day.

Myth: Only healthy people qualify

Even people with health issues can qualify.

Real Example

Male, age 52
High blood pressure

Coverage: $100,000
Monthly cost: $42

No blood test
Approved same day

Why People Choose No Blood Test Coverage

Main reasons:

• Convenience
• Speed
• No needles
• Privacy
• Easy approval

When Coverage Starts

Most policies start:

Immediately after approval

No waiting period (depending on policy).

How Much Coverage Should You Get?

General recommendations:

• $10,000–$25,000: Final expenses
• $100,000–$500,000: Family protection
• $500,000+: Income replacement

Get Your Free Life Insurance Quote with No Blood Test

You can see your options instantly.

Compare:

• Top companies
• Lowest prices
• Instant approvals

👉 Request your free no-blood-test life insurance quote now.

It takes less than 60 seconds.

No obligation.

No pressure.

Just real answers.

Final Thoughts

Life insurance with no blood test makes protecting your family easier than ever.

No needles.
No exams.
No hassle.

And in many cases, approval happens today.

👉 Get your free quote and secure your coverage.

Your future—and your family—are worth it.

Compare 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 – 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.

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

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.

Disclaimer: This is for informational purposes only. Consult a licensed professional for advice.

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