Affordable Life Insurance Protection for Your Family

Online Term Insurance without Medical Tests

Can I Buy Term Insurance without taking a Medical Test? 

Online Term Insurance without Medical Tests

Yes, you can purchase a term insurance policy over the internet without any tests if you qualify for coverage based on your answers to the health questions asked on the online application for coverage.

These no exam term life plans are usually made available for healthy individuals who are age 60 or younger. However, you may still qualify if you smoke, or have some health issues.

Advantages of No Testing Life Insurance

There are several benefits to buying your term coverage direct online including:

  • Instant Coverage
  • No Medical Exams
  • No Sales Pressure
  • No Agent Needed
  • No Lengthy Mailing Delays

Disadvantages of No Testing Life Insurance

However, instant issue term insurance online may come with some drawbacks, including:

  • Limited Amount of Coverage Available
  • Higher Rates Compared to Fully Underwritten Plans Requiring a Medical Exam


How Much Coverage Can I Buy?

The amount of life insurance available will vary by insurer, buy come carriers offer up to $2,000,000 or more of coverage without any tests.

However, the maximum amount of life insurance you can purchase without a medical test will depend on your age and health; as well as, your budget.

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How Long Does Coverage Last?

The duration of your coverage is referred to as the policy "Term".

With a term insurance policy, you have temporary life insurance protection lasting for a specific period of time.

You may have the option of choosing term insurance for a period of 10, 15, 20 or 30 years, depending on the carrier and your current age.


When Can I Start My Term Insurance Policy?

That depends on the insurance company you choose for coverage.

Some carriers offer same day coverage, and if you qualify, you may begin your life insurance policy within hours of applying for a policy.

How Long Does It Take to Apply for Coverage? 

That depends on the insurance carrier, but most online term insurance plans without medical tests take about 20 minutes or less to apply online for coverage.


What If I Change My Mind?

Life insurance usually comes with a money-back guarantee of up to 30 days or more.

That means, you have the 30 days (which may vary by insurer) to review your life insurance policy and return it to the insurance company to get a full refund of all premiums you have paid for your policy.


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.


Online Term Insurance without Medical Tests

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Disclosure: Compensated Affiliate