Best for affordability ; Best for seniors ; Best for quick approval ; Best for higher coverage amounts ; Best for customer service
Ladder offers no-exam term life insurance for those looking for $3 million or less in coverage. With options to adjust coverage levels as your needs change.
, 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$30/month, About $460/month ; Access to funds, No cash value to access, Cash value accumulates and can be borrowed or withdrawn ; Coverage, Up to $3 million, Up to $1 million
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.
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.
Term life insurance offers coverage for buyers who want to protect their family for a limited time. ; 99% of term policies never pay out due to conversion, expiration, or lapsed payments. ; Not all term life insurance policies can be converted to permanent 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.
These are some of the best no-exam life insurance companies viewed by cost, coverage limits and approval speed.
Policygenius - Life Insurance ; 18 - 85 years old · 50,000 · 10,000,000 · 10, 15, 20, 25, 30 years · Depends on provider and policy · Compare 12+ top insurers side-by-side to get the best possible deal, and shop return of premium policies online.
Ethos offers term and whole life insurance policies with no medical exam. The company also offers will and estate planning tools.