Best for affordability ; Best for seniors ; Best for quick approval ; Best for higher coverage amounts ; Best for customer service
Ladder ; 20 - 60 years old · 100,000 · 8,000,000 · 10, 15, 20, 25 or 30 years · No, for coverage up to $3M · Apply for term life insurance online without the medical exam. Get an instant decision and adjust your coverage at no charge.
Policy types · Term, whole ; Coverage min · $20,000 ; Coverage max · $2 million ; Am rating · A (Excellent) ; Trustpilot stars · $4.7
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.
Lemonade offers affordable term life insurance with no medical exams, though policies are rigid. Read our Lemonade life insurance review to learn more.
Ethos offers term and whole life insurance policies with no medical exam. The company also offers will and estate planning tools.
Ethos life insurance costs an average of $336 a year for a no-exam, 20-year term life policy. It also offers whole life insurance, and we rated it 4 stars overall.
Bestow provides term life insurance with instant decisions and no medical exam for qualified applicants. Learn the pros and cons of Bestow in our review.
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.
Bestow offers convenient term life insurance with quick approval and no medical exam. Read our Bestow life insurance review for benefits, rates, and pros and cons.