We analyzed the best no exam life insurance companies to help you get covered without providing personal health information.
Key Takeaways: ; Several factors, including your career, health, and hobbies determine whether you’re a high-risk life insurance applicant. Some of those factors are more obvious than others. ; If you are considered a high-risk applicant for life insurance, that doesn’t mean you can’t purchase a policy. ; Policies for high-risk individuals are generally more expensive than standard insurance and may have more limitations and restrictions.
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 ; You can still qualify for life insurance if you have a disability, though it may mean paying more for coverage because it may be considered a riskier bet for insurers. ; There are life insurance options available if you are having trouble qualifying for a standard policy. ; The Department of Veterans Affairs provides both a term and a whole life insurance policy option for veterans with disabilities, though coverages may be limited (depending on the policy).
You can still qualify for life insurance with a disability. Aflac explains how life insurance for people with disabilities works and what your options are.
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 .
Compare life insurance with no medical exam. See the best rates, companies, & types of no exam life insurance. Easy, Instant, 100% Online!
Guaranteed issue life insurance is a small whole life insurance policy with no medical questions or exam.
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.