Best for affordability ; Best for seniors ; Best for quick approval ; Best for higher coverage amounts ; Best for customer service
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.
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.
Amica Life Insurance ; Maximum issue age · 80 ; No medical exam option · No ; Am rating · A+ ; J.D. Power · N/A ; NAIC Complaint Index · 0.39 (72222)
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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.
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.
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.
, 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$30/month, About $460/month ; Access to funds, No cash value to access, Cash value accumulates and can be borrowed or withdrawn ; Coverage, Up to $3 million, Up to $1 million
If you're worried your health will disqualify you from life insurance coverage, you may want to consider no medical exam life insurance.