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Guide to Term Life Insurance with No Exams

What is Term Life Insurance with No Exam?

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Term life insurance with no exam is becoming an increasingly popular choice for those looking to secure life insurance coverage quickly and with minimum hassle.

But what exactly is this type of insurance? Essentially, term life insurance with no exam, also referred to as "no medical exam term life insurance," bypasses the traditional health examination required by many life insurance policies. This allows applicants to skip the medical check-up and often involves answering some health-related questions.

Our guide will help you understand how it works and how to choose the right plan.

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Jump Ahead To These

How Does Term Life Insurance with No Exam Work?

Benefits of Term Life Insurance with No Exam

Drawbacks to No Exam Term Life Insurance Policies

Can I Get Term Life Insurance without a Medical Exam?

How Much Does It Cost?

What are the Requirements for Approval to Get Insured?

Best Companies for Term Life Insurance with No Exams

Is Term Life with No Exams Worth It?

How Can I Apply for a Policy?

Is Term Life without a Medical Exam Right for You?

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How Does Term Life Insurance with No Exam Work?

Typically, the process is streamlined compared to traditional policies.

Applicants fill out a digital or paper application (or over the phone) that includes health-related questions but doesn't require a physical examination.

The insurance company uses the information provided, along with data from other sources like the Medical Information Bureau (MIB), to assess the risk and determine eligibility and pricing.

Benefits of Term Life Insurance with No Exam

The benefits of opting for term life insurance with no exam are significant.

Firstly, the application process is faster, often resulting in coverage within days—or even hours—compared to weeks for traditional policies.

There is also less invasion of privacy and discomfort, as no physical exams or blood tests are required.

This type of policy is particularly advantageous for those with busy lifestyles, health concerns, or a fear of medical exams, blood or needles.

  • Convenience: Skip the hassle of medical exams and paperwork, making the application process quick and easy.
  • Accessibility: Term life insurance with no exam opens doors for individuals who may have health concerns or busy schedules that make traditional insurance applications challenging.
  • Speedy Coverage: Get covered faster without the need to wait for medical test results, ensuring your loved ones are protected sooner rather than later.
  • Peace of Mind: Rest assured knowing that your family's financial future is secured, providing comfort during life's uncertainties.
  • Flexible Options: Choose from a variety of term lengths and coverage amounts to tailor your policy to your specific needs and financial goals.
  • Family Protection: Safeguard your loved ones' financial stability, whether it's paying off debts, covering living expenses, or funding future education costs.
  • Simplified Process: With no exam required, purchasing term life insurance is straightforward and accessible, allowing you to focus on what matters most—your family's well-being.

Drawbacks to No Exam Term Life Insurance Policies

Here's a list of drawbacks to consider when opting for term life insurance without an exam:

  • Limited Coverage Amounts: Policies without a medical exam often come with lower coverage limits compared to traditional life insurance. This might not provide enough financial protection for your loved ones in the long run.
  • Higher Premiums: Term life insurance policies that don't require a medical exam may have higher premiums since the insurer is taking on more risk by not assessing your health through a physical check-up. This could strain your budget over time.
  • Potential Health Exclusions: Without a medical exam, insurers might include health exclusions in the policy, meaning certain health conditions may not be covered. This could leave you vulnerable if those conditions contribute to your passing.
  • Potential for Decline: If you have pre-existing health conditions or engage in high-risk activities, you may be declined for coverage altogether. This could leave you without the financial protection you need for your loved ones.
  • Limited Term Options: Term life insurance policies without a medical exam may offer limited term options, such as 10, 20 or 30 years, which may not align with your long-term financial goals or needs.
  • Risk of Overpaying: Without a thorough assessment of your health, you may end up paying higher premiums than necessary if you're in good health. A medical exam could potentially qualify you for lower rates based on your health status.

Considering these drawbacks alongside the benefits can help you make an informed decision about whether term life insurance without a medical exam is the right choice for you and your loved ones.

It's essential to weigh the pros and cons carefully and consider consulting with a financial advisor or insurance agent to explore all your options.

Can I Get Term Life Insurance without a Medical Exam?

Absolutely, if you qualify for coverage.

Many companies now offer term life insurance products that do not require a medical exam as part of the application process.

This has made life insurance accessible to many who might have otherwise foregone coverage due to the inconvenience or fear of a physical exam.

How Much Does It Cost?

The cost of term life with no exam can vary.

Typically, these policies may be slightly more expensive than those requiring a medical exam, as the insurer takes on more risk by not checking the individual's health in detail.

However, the difference in premium can be worth the trade-off for the convenience and speed of securing coverage.

What are the Requirements for Approval to Get Insured?

Approval for no-exam term life insurance hinges on the answers provided on the application form and sometimes a review of medical records, driving records, and credit history.

Insurers have differing criteria, and not all applicants will qualify.

Generally, those in good health with no adverse lifestyle habits or significant pre-existing conditions are more likely to be approved.

Best Carriers for Term Life Insurance with No Exams 

When considering the best companies offering term life insurance with no exams, it’s important to compare several key factors.

Below is a comprehensive comparison of the Top Five Insurers in this niche:

American Amicable

Term Made Simple: Provides death benefits up to $500,000 with terms available for 10, 15, 20, and 30 years. Most applications are approved and issued in less than two weeks. These policies are annually renewable until the age of 95 and can be converted into permanent life insurance until age 75.

  • Ages: 18 to 75
  • AM Best Rating: A+ (Superior)
  • Coverage: $50,000 to $500,000
  • Policy Term: 10, 15, 20 and 30 years
  • Approval Time: In less than 2 weeks


  • Ages: 18 to 65
  • AM Best Rating: A- (Excellent)
  • Coverage: $25,000 to $500,000
  • Policy Term: 10, 15, 20 and 30 years
  • Approval Time: 48 hours

While many providers typically start with a minimum death benefit of $100,000, Assurity stands out by offering as little as $25,000. They are also one of the only providers offering no-exam term life insurance to applicants as young as 18, and more than $100,000 of coverage to individuals over the age of 65. 


  • Ages: 18 to 60
  • AM Best Rating: A+ (Superior) Backed by North American Company
  • Coverage: $50,000 to $1,500,000
  • Policy Term: 10, 15, 20, 25 or 30 years
  • Approval Time: Usually within a week

NOTE: These policies do not include a conversion option which allows the policyholder toconvert the policy into permanent coverage. In addition, they do not offer guaranteed renewability after your term has expired.

Corebridge Financial

  • Pricing: Hard to beat (Good Pricing)
  • Ages: 18 to 60
  • AM Best Rating: A- (Excellent)
  • Coverage: Up to $3,000,000
  • Policy Term: 10, 15, 20, 25, 30 or 35 years
  • Approval Time: 15 minutes to 24 hours

Encova Mutual

  • Ages: 18 to 70
  • AM Best Rating: A (Excellent)
  • Coverage: $25,000 to $500,000
  • Policy Term: 10, 15, 20, 25, or 30 years
  • Approval Time: 3 minutes or less
  • Approval Ease: Average or better health may qualify for coverage

NOTE: No phone interviews or medical exams are required for approval. After you submit your application online, you will receive a decision in 3 minutes or less. The downside to these policies is that they are only offered in about 20 states. 

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Is Term Life Insurance with No Exams Worth It?

For many, the answer is a resounding Yes.

These policies not only provide the necessary coverage but also come with the added convenience of faster approval times and less medical scrutiny.

How Can I Apply for a Policy?

Here's a Step-by-Step Guide for applying for a term life insurance policy without a medical exam:

  1. Research and Compare: Start by researching different insurance companies that offer term life insurance policies without requiring a medical exam. Look for reputable companies with good customer reviews.
  2. Determine Coverage Needs: Think about how much coverage you need to protect your loved ones financially. Consider factors like outstanding debts, future expenses, and your family's financial needs in case of your absence.
  3. Get Quotes: Use online tools or contact insurance companies directly to get quotes for term life insurance policies without a medical exam. Compare the quotes to find the best coverage options that fit your budget.
  4. Review Policy Details: Carefully read through the policy details, including coverage amount, term length, premiums, and any exclusions or limitations. Make sure you understand what the policy covers and what it doesn't.
  5. Complete Application: Once you've chosen a policy, you'll need to complete an application. Provide accurate information about yourself, including your age, health history, occupation, and lifestyle habits.
  6. Submit Application: Submit your application either online, over the phone, through the mail, or by fax, depending on the insurer's preferred method. Double-check all the information to ensure accuracy.
  7. Wait for Approval: Unlike traditional life insurance policies that require a medical exam, approval for a no-exam term life insurance policy is often faster. You'll typically receive a decision in less than 2 weeks. Some plans offer approval within 48 hours or less.
  8. Review Policy Documents: If your application is approved, carefully review the policy documents sent to you by the insurance company. Make sure all the details match what you agreed to during the application process.
  9. Pay Premiums: Once you've reviewed and accepted the policy, you'll need to pay your premiums to activate the coverage. Set up a payment method that works for you, whether it's monthly, quarterly, or annually.
  10. Inform Beneficiaries: Let your chosen beneficiaries know that you've taken out a term life insurance policy and provide them with the necessary details, such as the policy number and contact information for the insurance company.
  11. Keep Policy Updated: Periodically review your policy to ensure it still meets your needs. Life changes, such as marriage, the birth of a child, or a change in financial circumstances, may require adjustments to your coverage.

Applying for a term life insurance policy without a medical exam can be a straightforward process that provides valuable financial protection for you and your loved ones.

If you have any questions or concerns along the way, don't hesitate to reach out to the insurance company for assistance.

Is Term Life without a Medical Exam Right for You?

Term life insurance without the need for a medical exam offers a convenient and accessible option for individuals seeking financial protection for their loved ones.

By eliminating the hassle of medical tests, this type of insurance streamlines the application process, providing peace of mind without the delay.

Whether you're a busy professional, a parent juggling multiple responsibilities, or someone simply seeking straightforward coverage, no-exam term life insurance offers a solution tailored to your needs.

Remember, it's important to carefully assess your financial situation and future goals when selecting a policy. Reach out to trusted insurance providers to explore your options and find the right fit for you and your family.

With term life insurance, securing your loved ones' future has never been more accessible or stress-free.

Term Life 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 63 top life insurance companies and find you affordable life insurance you need to protect your family and fit your budget. 

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.

Guaranteed Acceptance Life Insurance

If you have been turned down for life insurance or you have serious health issues, you may want to consider guaranteed acceptance life insurance.  

People ages 45 to 85 can purchase up to $25,000 of life insurance with guaranteed approval

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