Affordable Life Insurance Protection for Your Family

No Physical Term Life Insurance

What is No Physical Term Life Insurance?

It’s short term life insurance lasting for up to 30 years, that does not require you to take any physical examination to purchase your policy.

Why Should I Buy This Type of Life Insurance?

There are several good reasons to purchase no physical life insurance, including:

  • Same Day Coverage
  • No Need to Meet with an Agent
  • No Long Delays
  • No Health Examination
  • No Blood Tests

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Who May Qualify for No Exam Term Life Insurance? 

If you are under age 60 and healthy, you may qualify to purchase your policy online today. However, some insurers may accept people ages 78 and under for life insurance without a physical.


How Much Life Insurance Can I Buy without a Physical Exam?

The amount of coverage available may vary by insurer, from $25,000 up to $2,000,000 of life insurance protection. It will vary based on your age and health, too.


How Long Does It Take to Get Insurance?

If you apply online and you are approved, you may begin your life insurance today. In fact, one insurer offers coverage within minutes after getting approved.


How Long Will My Term Life Coverage Last?

You may be able to choose from 10 to 30 years of coverage. However, some insurers offer coverage for a period of 10, 15, 20 or 30 years.


What Insurers Offer No Physical Term Life Policies?

Several different life insurers offer no exam policies, including Haven Life, Fidelity Life and Globe Life, among others.


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 40+ insurance companies and find you affordable life insurance you need to protect your family and fit your budget. Compare the best life insurance rates for savings up to 73%. 

JRC Insurance offers up to $2,000,000 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 compare and choose from $25,000 to $2,000,000 of no exam life insurance coverage from several leading life insurance carriers through JRC Insurance Group. 

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.

No medical exam life insurance is available primarily for term life insurance policies only.

A term life insurance policy provides death benefits upon the passing of the insured, if that policyholder dies within a specified term. A term can be 5, 20, 15, 20, or even 30 years.

You may qualify to get over $1,000,000 of coverage with no exam if you’re in good health by purchasing two or more life insurance policies.

You can buy life insurance coverage from more than one insurance carrier.

No Physical Exam Whole Life Insurance

No Physical Term Life Insurance

Term Life Insurance No Physical

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