Affordable Life Insurance Protection for Your Family

Term Insurance Quotes No Medical Check Up

Are You Shopping for a Term Life Insurance Policy without Having to Take Any Medical Exams?

If so, you may want to review your options for coverage and learn how no exam term life coverage works, and how easy it is to get insured.

Term Life Insurance Explained

Term Life is temporary life insurance providing you with protection for a specific duration, usually lasting up to thirty years.

If the insured person dies during the Policy Term, the death benefit is paid out to the beneficiary of the insurance policy.

If the insured outlives the duration of the term life policy, there is no payout of benefits, and the coverage ends.

Term Insurance with No Exam Explained


No exam term insurance policies are life insurance plans that offer you the ability to purchase your insurance without having to take any medical examination.

In addition, you may be able to apply online (safe and secure) for your policy in about 15-20 minutes, and start your life insurance coverage the same day, if you qualify.

Start Your FREE Quote


What Does No Medical Exam Life Insurance Mean?

As the name suggests, a no medical exam life insurance policy is one that does not require customers to undergo a doctor exam before purchasing coverage, meaning you can get coverage much faster than a traditional life insurance policy that requires a full medical review.


Do You Have to Take a Medical Check-up for Life Insurance?

If you are asked to complete a medical, don’t worry – it doesn’t mean you’ll be refused coverage. In most cases, it just means your life insurer wants to know a more about your health to help them calculate your insurance premiums. 

Your insurance carrier will pay for the cost of the health exam. 


Can I Get l Get Life Insurance without Answering Any Health Questions?

Yes. There are insurance policies that offer coverage with no medical exam required and no health questions asked.  

These plans are referred to as Guaranteed Issue life insurance and they guarantee your approval for coverage if you meet the age requirements. 

For example, one highly-rated insurer offers guaranteed approval for people age 45 to 85 years old.


Is there a Waiting Period for No Medical Life Insurance?

Underwriting of no medical plans is usually quick, and coverage can be obtained within 24-48 hours sometimes for qualified applicants. 

With some guaranteed acceptance life policies, no waiting period is necessary.


Which is More Expensive Guaranteed Issue Life Insurance or Medical Exam Required Policies?

Guaranteed acceptance life insurance is more expensive for healthy people than policies that require a health examination. 


Who is GUARANTEED APPROVAL Life Insurance For:                                    

Primarily middle-age and older adults whose health would disqualify them from getting life insurance with full medical underwriting.


Compare Term Insurance No Exam 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 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.

Term Insurance Quotes No Medical Check Up

Fidelity Life Insurance with No Exam

Disclosure: Compensated Affiliate