Everything You Need to Know About No-Exam Life Insurance
Need life insurance without a medical exam? Whether you're busy, have health concerns, or just want fast approval, no-exam life insurance might be the perfect fit. In this guide, we’ll break down what it is, how it works, and which providers offer the best policies in 2025.
What Is No-Exam Life Insurance?
No-exam life insurance is a policy that allows you to skip the traditional medical check-up. Instead, insurers use your health history, lifestyle, and sometimes a phone interview or digital records to evaluate your risk.
Types of No-Exam Policies
- Simplified Issue: Requires a health questionnaire but no physical exam
- Guaranteed Issue: No medical questions asked (usually more expensive)
Who Should Consider No-Exam Life Insurance?
No-exam policies can be ideal if you:
- Need quick coverage (e.g., same-day or within a week)
- Have mild health issues that might not pass traditional underwriting
- Want to avoid needles or lab work
- Are between the ages of 18–65 (some insurers cover older adults too)
Note: While convenient, these policies may cost more than fully underwritten options.
Top Life Insurance Companies Offering No-Exam Policies (2025)
1. Haven Life
Best for: Fast online application and term policies
Backed by MassMutual, Haven Life offers up to $1 million in coverage without a medical exam for qualifying applicants under 59.
2. Bestow
Best for: Younger adults seeking affordable term life
Bestow uses AI to underwrite term policies without exams, blood tests, or medical records. Coverage up to $1.5 million is available for ages 18–60.
3. Ethos
Best for: Broad age range and customer service
Ethos provides quick approval for term and whole life policies, some of which don’t require exams. They even offer coverage up to age 85.
4. AIG (Guaranteed Issue)
Best for: Seniors and high-risk applicants
AIG’s guaranteed issue policies don’t ask medical questions and provide up to $25,000 in coverage. Ideal for final expense planning.
Pros and Cons of No-Exam Life Insurance
✅ Pros
- Fast approval (sometimes same day)
- No needles, labs, or physicals
- Convenient online applications
⚠️ Cons
- Higher premiums than traditional policies
- Lower maximum coverage amounts
- Not ideal for serious health conditions
How Much Coverage Can You Get?
Depending on the insurer and your health profile, you may qualify for:
- Term coverage: $25,000 – $1.5 million
- Whole life or final expense: $5,000 – $50,000
Frequently Asked Questions (FAQ)
1. Is no-exam life insurance legit?
Yes, many reputable companies offer no-exam options that are backed by licensed insurers.
2. Can I get no-exam life insurance if I have diabetes or high blood pressure?
It depends. Mild cases may qualify for simplified issue plans. More serious conditions might require guaranteed issue policies.
3. Will my premiums be higher?
Usually, yes. No-exam policies take on more risk, so they often cost more than fully underwritten plans.
Final Thoughts
No-exam life insurance is a fast and flexible way to get coverage without the hassle of medical exams. It’s not right for everyone, but if you need quick protection or have minor health concerns, it's worth considering.
Ready to Compare No-Exam Life Insurance Quotes?
Use tools like Policygenius or Quotes.Life to find a policy that fits your needs and budget — no medical tests required!
Disclaimer: This article is for informational purposes only and not financial advice. Always consult with a licensed insurance advisor before purchasing a policy.