Affordable Life Insurance Protection for Your Family

Life Insurance without Medical Exams

No medical exam life insurance is a great option for those looking for an affordable, convenient way to secure term life insurance protection.

Life insurance without exams is available in a variety of terms from 10, 15, 20 or 30 years, and coverage amounts up to $2,000,000.

No exam life insurance policies provide peace of mind when you need it most. These policies offer many of the same benefits available through medically underwritten life insurance coverage, without the hassle of a lengthy application process and medical examination.

Top Pick– Haven Life Insurance Agency

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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.

No Medical Exam Life Insurance Coverage

Also known as non medical instant issue life insurance, many consumers are surprised to learn that no exam policies offer immediate coverage.

Unlike traditional life insurance policies, which require 4 to 6 weeks to issue, term life insurance with no health exam can often be secured in less than 24 hours. And, some plans offer immediate coverage in about 15 minutes.

No Exam Coverage - Available in Two Forms:

  • Simplified Issue Term Life Insurance – Applicants simply complete an application with some health related questions.  The application is underwritten, but there is no need to undergo a medical examination or submit a blood test.  You may be approved in as little as 1 day, and choose to start your life insurance coverage the same day. 
  • Guaranteed Issue Life Insurance – Also known as guaranteed acceptance, applicants are not required to answer any health-related questions during the application process.  Coverage is available for anyone who applies and meets the age requirements. The application process is relatively simple and coverage is available to many people who might not qualify for a traditional life insurance policy. Full policy benefits may not be available during the first years you are insured. 


Benefits of Life Insurance No Examination

Like all term policies, no exam life insurance provides financial assistance for your loved ones in the event of your death. It’s a way to make sure your family has the money they need in case you are no longer alive to provide for them.

There are a number of benefits when comparing no exam coverage with traditional life insurance policies.

The Cost of No Medical Life Insurance 

It is important to note that coverage for life insurance without an exam usually costs a bit more than medically underwritten term life policies. 

Traditionally insurance companies have assessed risk based upon medical evaluations and perceived life expectancy.

Providing life insurance coverage without any medical exam comes with a risk, a risk which translates to those higher premiums charged for your no exam life insurance plan. 

Many consumers do however choose to invest in no exam term life policies as a result of the ease and convenience of purchasing no exam coverage online without having to meet with an agent, take an exam, or have to wait weeks for their life insurance policy to be issued.

Who Should Buy No Exam Life Insurance?

Guaranteed Approval life insurance plans can be ideal for those with medical complications that may lead to a denial of traditional coverage, while Simplified Issue term life insurance can be a good fit for those in good health who simply want to avoid a prolonged application process or the need for a medical examination.  If you fall under any of these categories, now is a great time to secure no exam coverage.

Whether you want life insurance without answering any medical questions or without taking an exam, we can help. We work with the top carriers in the industry, providing side-by-side comparisons of the most competitively priced policies on the market.


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Disclosure: Compensated Affiliate