We've taken the time to review who we consider to be the best no exam life insurance companies in the industry today, and we'll continue to add to our list as more providers come to market.
*We attempt to never use a company who doesn't have at least an "A" rating by one of the major credit rating agencies. We firmly believe in a commitment to affordability without sacrificing quality.
Coverage At The Speed Of Life
You are your own broker now. Save time (and money) by comparing more than 40 companies at once. Quotes are always delivered immediately in your browser. No waiting.
No Medical Examinations
Medical exams are a thing of the past. They take up your time, they're intrusive, and they delay the entire application process for everyone. Skip the exam entirely!
Lightning Fast Approvals
Shouldn't you be able to shop for life insurance like you can for anything else? Now you can. Apply directly online and get approved in days, not weeks.
What is no exam life insurance?
No exam life insurance is getting life insurance coverage without the pesky medical examination.
As technology advanced and consumer needs changed throughout the last decade, life insurance carriers have finally started to evolve and adapt to better supply Americans with coverage they need, all while skipping the hassle of the medical exam.
Most consumers hesitate to buy life insurance because they fear needles, don't want to go through the month long process of buying insurance, or simply don't like the invasive nature of life insurance underwriting. Think about it... who really wants to have a person they don't know come to their house, ask them personal questions, draw blood and take a urine sample, only to have the insurance company follow up by requesting virtually every piece of information about them?
The truth is, you don't need to do any of that! Gone are the days of waiting more than a month for your policy. New underwriting practices from some of the highest quality, trusted brands allow for anyone to apply for a life insurance policy with no medical required.
What's the catch?
First, you need to be somewhat healthy.
Second, you'll be limited to about $2M in coverage (up to $1 million from one carrier alone).
And, finally, you will pay a fraction more per thousand in coverage than if you complete the full length process (and we mean a fraction).
In other words, if you're pretty healthy, don't need $2,000,000 or more in coverage, and you don't mind paying pennies more, you're probably a great candidate for this kind of coverage.
What are my options for coverage?
There are several types of no exam life insurance now, where there used to be just one.
Term, permanent and even final expense policies can all be purchased if you decide to bypass the exam. This will vary by carrier, and the amount of underwriting required to be approved will vary, as well.
Permanent coverage will last you the rest of your lifetime. It could be universal life or whole life, but both offer guarantees so you can't outlive your insurance policy.