We analyzed the best no exam life insurance companies to help you get covered without providing personal health information.
These top companies issue life insurance policies without a medical exam.
Key Takeaways: ; Some life insurers may require you to get a medical exam to buy certain life insurance policies. The results determine if you qualify for coverage and your premium costs. ; If an insurer requires a medical exam, your life insurance agent will schedule your appointment to send an examiner to your home or workplace. The insurer will also cover the cost of the exam. ; No-exam life insurance policies are available, but they’re usually more expensive than other types of life insurance because they assume a greater risk in insuring you.
The best no exam life insurance has a high age cap without sacrificing death benefits. Learn more from our guide on the best no medical life insurance.
Key Takeaways ; No-exam life insurance policies have a simplified application process usually resulting in starting coverage quicker ; The three most common types of no-exam life insurance are group, simplified issue, and guaranteed issue. ; Plans are typically more expensive than medically underwritten policies.
Learn how no exam life insurance offers fast coverage without a medical exam. Understand eligibility, types, and the pros and cons.
Key Takeaways ; Nationwide’s Life Essentials term life policy has the highest potential death benefit of $1.5 million. ; Some no-exam policies may require applicants to answer a health questionnaire. ; No-exam policies may use different kinds and amounts of information in the underwriting process, which can affect how long it takes to be approved as well as the policy cost.
Depending on your age, health, and the amount of coverage you need, some life insurance companies will require a medical exam. Learn more about when you need a life insurance exam.
Best for whole life insurance: Northwestern Mutual Life Insurance ; Best no-exam life insurance: Guardian Life Insurance ; Best for universal life insurance: State Farm Life Insurance
No medical exam life insurance doesn’t require a medical exam .