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.
Would you like to apply for a term life insurance with no medical exam? While there are some limitations, it's entirely possible. Find out more here.
Best for affordability ; Best for seniors ; Best for quick approval ; Best for higher coverage amounts ; Best for customer service
These are some of the best no-exam life insurance companies viewed by cost, coverage limits and approval speed.
Key Takeaways ; No-exam life insurance policies have a faster underwriting process that usually results in coverage beginning quicker. ; No-exam policies can be simplified issued, accelerated issue, or guaranteed issue. ; Plans are typically more expensive than medically underwritten policies.
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.
We analyzed rates and coverage to find the best no medical exam life insurance companies. See why Protective, Pacific Life and Symetra top our list.
If you're worried your health will disqualify you from life insurance coverage, you may want to consider no medical exam life insurance.
A clear picture of your health helps with accurate policy pricing. Learn more about what happens at a medical exam & about no-exam life insurance options.
, Term Life Insurance, Permanent Life Insurance ; Duration, Typically five to 30 years, Lifetime ; Cost*, About $30/month, About $460/month ; Access to funds, No cash value to access, Cash value accumulates and can be borrowed or withdrawn ; Coverage, Up to $3 million, Up to $1 million