Affordable Life Insurance Protection for Your Family

No Medical Life Insurance Rates

No medical life insurance rates are higher than rates for life insurance that do require you to take a medical exam to qualify for coverage. 

Why? Because no medical life insurance may accept some people who may not qualify if an exam was required. So, the insurance companies have to charge more to offset the possibility of more claims being paid out.

Life insurance with no exam usually has rates at least 10% higher than regular life insurance with exams. However, rates may be more than 10% higher.

In return for the higher rate you get the option of:

1.     Instant Approval

2.     Qualify for Coverage Today

3.     No Medical Exam – Just some health questions.


No Medical Life Insurance Quotes

Top Pick – Haven Life Insurance Agency

  • Get up to $2,000,000 of affordable term life insurance today
  • Apply online in under 20 minutes, start coverage today
  • Rated A++ by AM Best

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.

Highly Recommended – JRC Insurance Group

JRC Insurance Group helps you compare no exam life insurance rates from several leading insurers including Sagicor Life. You can buy up to $500,000 of term life insurance online with no medical exam required through Sagicor Life. People age 65 and under may qualify for coverage. Rated "A-" (Excellent) by AM Best for financial strength. Sagicor Life was founded in 1840. If approved, you may start your life insurance policy within 48 hours. Get your free life insurance quote now.

Whole Life Insurance with No Medical Exam

No Medical Life Insurance Rates

Disclosure: Compensated Affiliate