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No Medical Exam Life Insurance

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Banner Life Insurance
Mutual of Omaha life insurance
Protective Life Insurance
AIG life insurance
Sagicor Life Insurance

Get life insurance without an exam

Want affordable life insurance fast, without the hassle of taking a physical? You’ve come to the right place!
Skip the doctor, needles and lab reports
Less hassle, less waiting around

Underwriting is much faster without a medical exam.

Your application can be approved in days (or even the same day!) instead of months.

Quotes from only the best insurance providers
The largest selection of “A” rated companies

We work with more than 60 insurers, giving you a choice of more than 500 policies.

Count on us to help you find the best policy at the very best price.

95% of the process can be completed online!
True Blue is built for speed

No in-person meetings. No snail mail. No ink. Immediate communication.

We can complete your application in 15 minutes.

The cost of convenience?
In most cases, little to nothing.

Get the coverage you seek at a price you can afford, without having to take a medical exam.

No medical exam plans are more popular than ever, so more companies are offering them — at competitive prices.

And, nobody works with more insurance companies than we do. Let us help you find the right policy for your unique circumstances.

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Mom with life insurance

What is no medical exam life insurance?

No medical exam policies are exactly what their name implies: You don’t have to take a medical exam like you do with traditional life insurance policies. Yet, they provide the same guaranteed coverage.

While a no exam life insurance plan offers you clear advantages, it means higher risk for the insurer. When insurance companies issue a policy without conducting a medical examination, they’re rolling the dice.

One way companies cover their risk is by limiting the amount of coverage available with no exam policies. The maximum coverage most companies offer for a no medical exam policy is $500,000, although some now offer up to $1,000,000.

Usually, no medical exam policies are still fully underwritten — just not with a medical exam.

What insurers use to qualify you without an exam:

  • Pharmacy report, which lists all medications you’ve been prescribed over the last 5–10 years
  • Motor Vehicle Department report
  • Medical Insurance Bureau report (to see if you’ve applied for or been denied life insurance in the past)
  • Credit/financial history (only a few insurance companies check this)

Life insurance without the exam is simpler

Getting an inexpensive no medical life insurance plan can be tedious. It can seem like a never-ending process. Before companies will issue a policy, they want to find out everything they can about you: your personal details, your family history, what medications you take, and sometimes even your financial history. The underwriting process can be stressful and invasive, and it can take a lot of time.

For most people, the worst part is the physical exam. With traditional underwriting, be prepared to set aside a chunk of time for a paramedical exam. During the exam you’ll have your blood pressure taken and blood drawn, and you’ll be asked for a urine sample. Some insurers ask for saliva as well. A few even require an EKG or electrocardiogram.

Then, after the exam, you’ll have to wait. The whole process typically takes 4–8 weeks. Meanwhile, you’re wondering if the exam will turn up anything that could affect the cost of your life insurance.

No medical exam policies speed up the process by eliminating the exam.

That’s right! You can bypass the physical exam altogether.

How much do no exam policies cost?

Contrary to what you might have heard, no medical exam policies are not more expensive.

The increasing popularity of these plans has made them more competitively priced. A few decades ago, it would have been hard to find an insurance company that would let you apply without taking a physical. But more insurers are getting on board. That means you have more choices than ever, and we’re here to help you sift through the best options from the best insurance companies.

There are four types of no medical exam life insurance policies. Which one you choose determines the cost.

Type of No Exam PolicyTime to ApprovalHealth Types EligiblePercent of Population That QualifiesCoverage AmountsPrice
Accelerated2 – 21 daysExcellent5%$100,000 – $1,000,000Best
Simplified IssueInstant to 14 daysExcellent to average60%$25,000 – $500,000Good
Express IssueInstantAverage to below average85%$25,000 – $400,000Average
GroupInstantAny99%$10,000 – $50,000OK

1. Accelerated Acceptance Policies

These are the same policies that normally require an exam. They’re among the most competitively priced in the market. With this type of policy, the company sees no need to invest in a medical exam.

For healthy people, this is the best option. Only a select group of companies offers accelerated underwriting options.

What do you need to qualify for accelerated acceptance?

Medical HistoryNumber of MedicationsFinancial/Credit ScoreMotor Vehicle Department Report
No history of cancer, heart disease, stroke, diabetes, immune disorder, or any other diseaseNo more than 1 medicationCredit score over 740No history of DUI, no more than 2 tickets in the past 3 years

Companies that offer accelerated acceptance/underwriting

Insurance CompanyProductEligible AgesCoverage Amounts

Banner Life Insurance Company

OPTerm20 – 50$100,000 – $1,000,000

John Hancock Life Insurance Company

Smart Protect20 – 60$100,000 – $1,000,000

Lincoln National Life Insurance Company

TermAccel18 – 50$100,000 – $500,000

Pacific Life Insurance Company

Pacific Prime18 – 60$100,000 – $249,999

Principal Life Insurance Company

Term18 – 60$50,000 – $1,000,000

2. Simplified Issue Policies

Simplified issue policies are those that offer no medical options to people with excellent to average health.

If you’re in excellent health, your policy will be approved immediately.

If your health history includes a serious or chronic illness, some insurers might require a medical report from the doctors you’ve seen. And if they can’t get the records they need, they might then require a medical exam. We know which ones do and don’t.

What do you need to qualify for simplified issue policies?

Medical HistoryNumber of MedicationsFinancial/Credit ScoreMotor Vehicle Department Report
No history of cancer, heart disease, stroke, or immune disorder in the past 7 years. Well controlled medical conditionsNo more than 3 medicationCredit score over 600No history of DUI in the past 10 years, no more than 3 tickets in the past 3 years

Companies that offer simplified issue policies

Insurance CompanyProductEligible AgesCoverage Amounts
American Life Insurance Company of TX
Term Made Simple18 – 75$50,000 – $400,000
American Life Insurance Company of TX
Signature Term18 – 65$50,000 – $250,000

American National Life Insurance Company

Term Life18 – 65$50,000 – $500,000

Mutual of Omaha Life Insurance Company

Term Life Answers18 – 80$25,000 – $99,999

Nassau Re Life Insurance Company

Safe Harbor Term18 – 80$50,000 – $500,000

Sagicor Life Insurance Company

Sage Term18 – 75$50,000 – $500,000

Surebridge Life Insurance Company
Simplified Issue Term25 – 65$25,000 – $100,000

Transamerica Life Insurance Company


Trendsetter LB18 – 80$50,000 – $250,000

3. Express or Instant Issue Policies

With express or instant issue products, the insurance company approves or declines your application immediately. In some cases, an underwriter might review your application to make a final decision. This can push the approval time to 24 hours.

Express issue policies offer the same price for everyone, regardless of health. But, some insurers will decline an application based on current or previous health status. We know which ones are most likely to approve you.

What do you need to qualify for express/instant issue policies?

Medical HistoryNumber of MedicationsFinancial/Credit ScoreMotor Vehicle Department Report
No history of cancer, heart disease, stroke, or serious immune disorder in the past 5 years. Controlled medical conditionsNo more than 4 medicationsNo financial history or credit checkNo history of DUI in the past 5 years. No more than 3 tickets in the past year

Companies that offer Express/Instant Issue policies

Insurance CompanyProductEligible AgesCoverage Amounts

Fidelity Life Insurance Company
Rapid Decision Express18 – 65$25,000 – $250,000

Independent Order of Forester Life Insurance Company
Your Term18 – 80$50,000 – $400,000

Mutual of Omaha Life Insurance Company
Term Life Express18 – 65$25,000 – $300,000

Nassau Re Life Insurance Company

Safe Harbor Term Express18 – 80$25,000 – $400,000

4. Group Insurance Policies

Getting a group term or whole life policy involves answering very few health questions. Most insurers only require that you not be in a medical facility or require full-time medical care. You join an association to gain access to these products, and they’re the same type of group policies you get from an employer.

Depending on which insurance company you choose, the application will have 7–12 questions. There’s only one health class, and the premium costs typically increase every 5 years.

For people who are in poor health, these are an amazing option. Not many agencies have access to these products. We do.

What do you need to qualify for group insurance policies?

Medical HistoryNumber of MedicationsFinancial/Credit ScoreMotor Vehicle Department Report
Not in a medical facility and do not require full-time careNo limitNo financial history or credit checksThey do not check

Companies that offer group insurance policies

Insurance CompanyProductEligible AgesCoverage Amounts

5 Star Life Insurance Company
Family Protection Plan18 – 65$10,000 – $50,000

Lifeshield National Life Insurance Company
Protection Plus18 – 75$10,000 – $50,000

How to apply for no medical exam life insurance

1. Get a Quote

First, you’ll want to get an instant quote. Just fill out a few questions on our No Medical Exam Life Insurance form to receive your free instant quote.

2. Optional – Take our health questionnaire

You’ll see a list of insurance companies that are interested in providing coverage based on your profile. To get the most accurate rates, we recommend that you complete our health questionnaire.

3. Compare and submit an application request

Once you’ve reviewed the rates, then you’re ready to select a company and submit an application request. You can get a jumpstart by completing 90% of the application directly on our site. If you have any questions or concerns, one of our agents will be happy to assist you in making the right decision.

4. Verify and sign

A True Blue Life Insurance agent will contact you during regular business hours to finish completing your application, verify your information and get your digital signature. We take care of the paperwork and handle all correspondence with the insurance company for you.

5. Receive a policy contract

When you’re approved, the insurance company will offer a life insurance policy contract.*

6. Sign the contract and make a first payment

If you’re ready, you’ll sign the contract and make your first payment. You’ll then have life insurance coverage! You can start enjoying the peace of mind that comes from knowing your loved ones are protected.

*You have 30 days to accept the offer, and after accepting the policy you have another 30 days to change your mind and get your initial payment refunded.

Note: Life insurance policies are unilateral contracts. This means that as long as you make your payments, the company cannot ever change the contract.

FAQs

How are no exam policies different from policies that require an exam?

Answer: These are the exact same products with the exact same application questions.

How do insurance companies determine my health class for underwriting?

Excellent:

You’re in very good overall health. Your weight, blood pressure, and cholesterol are all normal, and you have an uneventful medical history. You take no more than 1 prescription medication.

Good:

You might take medication to treat a minor health issue (such as high blood pressure or cholesterol). Otherwise, you’re in pretty good health.

Average:

You’re in average health and may have one or more medical conditions that require treatment or medication, but they don’t impact your daily life.

Below Average:

You have one or more significant medical conditions that require treatment and medication.

Does no medical exam mean no health questions?

No. Even though you won’t have to take a physical exam, the insurance company still needs information about your health. Insurers will ask about your health history and review public records such as your pharmacy and motor vehicle department reports.

There are guaranteed acceptance and group term policies that don’t require an exam or ask health questions. If you’re concerned about your health history, we can talk about it. We have options for everyone.

No Medical Life Insurance Product Comparison Chart

Company & ProductPolicy Type & Time to ApprovalReports CheckedEligible Ages & Coverage AmountsTrue Blue Notes
Term Made Simple
Simplified Issue

3 – 14 days
  • RX (Pharmacy Report)
  • MIB (Medical Insurance Bureau)
  • MVD (Motor Vehicle Department)
18 – 75 years

$50,000 – $400,000
Application is taken over the phone once by an agent and again by the company. Be prepared for two half-hour phone calls.
Product comes with Critical and Chronic Illness riders free of charge.
Signature Term
Simplified Issue

3 – 14 days
  • RX (Pharmacy Report)
  • MIB (Medical Insurance Bureau)
  • MVD (Motor Vehicle Department)
  • Background Report
  • Credit Check
18 – 65 years

$50,000 – $250,000
Application takes 25 minutes over the phone. The service is exceptional. The underwriting is lenient.
Product comes with Critical and Chronic Illness riders free of charge.
Term Life
Simplified Issue

Instant – 14 days
  • RX (Pharmacy Report)
  • MIB (Medical Insurance Bureau)
  • MVD (Motor Vehicle Department)
  • Background Report
  • Credit Check
18 – 65 years

$50,000 – $500,000
One of the best-priced no exam policies. Great service and lenient underwriting. Application takes about 20-30 minutes to complete over the phone. Some policies are approved instantly, depending on health history.
OPTerm
Accelerated

2 – 4 days
  • RX (Pharmacy Report)
  • MIB (Medical Insurance Bureau)
  • MVD (Motor Vehicle Department)
  • Background Report
  • Credit Check
20 – 50 years

$100,000 – $1,000,000
One of the best-priced term products with or without a medical exam. Be prepared for a 45-minute phone interview with a Banner rep. About 20% of applicants qualify for accelerated underwriting. Banner Life often requests an exam.
Rapid Decision Express
Express/Instant Issue

Instant – 1 day
  • RX (Pharmacy Report)
  • MIB (Medical Insurance Bureau)
  • MVD (Motor Vehicle Department)
18 – 65 years

$25,000 – $250,000
Application takes 10 minutes over the phone, and you’re approved instantly. One of the easiest applications we have. No background or credit checks. Lenient underwriting.
Your Term
Express/Instant Issue

Instant – 1 day
  • RX (Pharmacy Report)
  • MIB (Medical Insurance Bureau)
  • MVD (Motor Vehicle Department)
18 – 80 years

$50,000 – $400,000
Application takes about 20 minutes over the phone. Foresters is an amazing company with great service. They don’t run background or credit checks. They have multiple health classes, so rates are great for those in excellent to below-average health.
Smart Protect
Accelerated

2 – 4 days
  • RX (Pharmacy Report)
  • MIB (Medical Insurance Bureau)
  • MVD (Motor Vehicle Department)
  • Background Report
  • Credit Check
20 – 60 years

$100,000 – $1,000,000
Product offers a no medical exam option for those in excellent health. The policy takes about 30 minutes to complete over the phone. John Hancock has a great reputation and exceptional customer service.
Protection Plus
Group

Instant
None18 – 75 years

$10,000 – $50,000
This is an exclusive group policy. It’s a term policy where the cost increases every 5 years. We take the application over the phone in just 10 minutes. Part of the monthly cost of the policy is to cover your membership to the association that offers the insurance.
TermAccel
Accelerated

2 – 10 days
  • RX (Pharmacy Report)
  • MIB (Medical Insurance Bureau)
  • MVD (Motor Vehicle Department)
  • Background Report
  • Credit Check
18 – 50 years

$100,000 – $500,000
This is one of the best-priced term policies on the market. For people with excellent health, they often waive the medical exam requirement. A Lincoln representative will take your application by phone. It takes about 30 minutes. Lincoln has a great reputation and excellent customer service.
Term Life Answers
Simplified Issue

1 – 3 days
  • RX (Pharmacy Report)
  • MIB (Medical Insurance Bureau)
  • MVD (Motor Vehicle Department)
  • Background Report
  • Credit Check
18 – 80 years

$25,000 – $99,999
This product has multiple health classes, so people with good health can get a great price. The medical exam is only waived when the coverage amount is under $100,000. Mutual Omaha has exceptional customer service.
Term Life Express
Express/Instant Issue

Instant – 2 days
  • RX (Pharmacy Report)
  • MIB (Medical Insurance Bureau)
  • MVD (Motor Vehicle Department)
18 – 65 years

$25,000 – $300,000
This is a great instant issue product. For those who are overweight, this is often the best choice. There’s no credit or financial history check, so this is our go-to product in many situations. We’re big fans of Mutual of Omaha products.
Pacific Prime
Accelerated

2 – 4 days
  • RX (Pharmacy Report)
  • MIB (Medical Insurance Bureau)
  • MVD (Motor Vehicle Department)
  • Background Report
  • Credit Check
18 – 60 years

$100,000 – $249,999
For people with excellent health, the medical exam is waived for policies under $250,000. Pacific Life is a financially strong company with excellent service. The application is taken over the phone in about 40 minutes.
Safe Harbor Term
Simplified Issue

2 – 21 days
  • RX (Pharmacy Report)
  • MIB (Medical Insurance Bureau)
  • MVD (Motor Vehicle Department)
  • Background Report
  • Credit Check
18 – 80 years

$50,000 – $500,000
This product has multiple health classes, so those in any health situation can get a great price. The product includes Chronic and Critical Illness riders (living benefits) free of charge , which makes this product attractive. This company has a slightly lower financial rating than our other products.
Safe Harbor Term Express
Express/Instant Issue

Instant – 2 days
  • RX (Pharmacy Report)
  • MIB (Medical Insurance Bureau)
  • MVD (Motor Vehicle Department)
  • Background Report
  • Credit Check
18 – 80 years

$25,000 – $400,000
This product comes with Chronic and Critical Illness riders free of charge. These act similar to disability and long-term care policies. The application is taken over the phone in about 20 minutes. This company has a slightly lower financial rating than our other products.
Term
Accelerated

1 – 4 days
  • RX (Pharmacy Report)
  • MIB (Medical Insurance Bureau)
  • MVD (Motor Vehicle Department)
  • Background Report
  • Credit Check
18 – 60 years

$50,000 – $1,000,000
For people with excellent health this is a great option. This product is among the best-priced policies on the market. Expect a 40-minute phone application. We see this company offer policies up to $1,000,000 without an exam more often than others.
Sage Term
Simplified Issue
1 – 7 days
  • RX (Pharmacy Report)
  • MIB (Medical Insurance Bureau)
  • MVD (Motor Vehicle Department)
  • Background Report
  • Credit Check
18 – 75 years
$50,000 – $500,000
One of the best-priced no exam policies. The Application takes about 20 minutes to complete over the phone. Some policies are approved instantly, depending on health history. Sagicor is one of our favorite companies to work with.
Simplified Issue Term
Simplified Issue

2 – 5 days
  • RX (Pharmacy Report)
  • MIB (Medical Insurance Bureau)
  • MVD (Motor Vehicle Department)
25 – 65 years

$25,000 – $100,000
This company does not check your financial or credit history. We use this product on rare occasions depending on the situation. It’s a strong product from Chesapeake Insurance Company.
Trendsetter LB
Simplified Issue

2 – 4 days
  • RX (Pharmacy Report)
  • MIB (Medical Insurance Bureau)
  • MVD (Motor Vehicle Department)
18 – 80 years

$50,000 – $250,000
This is the best policy for those looking for living benefits. The product includes free Critical and Chronic Illness riders that act similar to a disability or long-term care policy. The application takes about 45 minutes over the phone. Transamerica is a great company.
Family Protection Plan
Group

Instant
None18 – 65 years

$10,000 – $50,000
This is an exclusive group term life policy that lasts until you’re 100 years old. Part of the cost of the policy goes toward the dues for the association you join. This is an amazing group policy, and you get access to other exclusive products.
Rated 4.9 out of 5 based on 989 Ratings
5
Jun 29, 2019
William Segal - Tennessee
Review:
Cheryl was the glue that held this process together. She helped find the right coverage to meet my needs and provided great customer service. She was easy to get in touch with and quick to return my calls.
Agent:
Cheryl Schlenkert
5
Jun 28, 2019
Enrique Alvarez - Texas
Review:
Ms. Walker was very patient and professional; she made the process easy!
Agent:
Nikki Walker
5
Jun 27, 2019
Joel Gordon - Texas
Review:
Excellent experience with Jason
Agent:
Jason Alper
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