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Author: Brian Greenberg CEO of True Blue Life Insurance
Last updated September 22, 2020

No medical exam life insurance

No medical exam policies are exactly what their name implies: You don’t have to take a medical exam when you apply for them, as 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.

One way insurance companies cover this higher risk is by limiting the amount of coverage they offer with no exam policies. The maximum coverage most companies offer for a no medical exam term policy is $1,000,000.

Note that no medical exam policies are still fully underwritten — just not with a medical exam.

Can you get term life insurance without a medical exam?

Absolutely. Forgoing the medical exam makes the whole process of getting life insurance exponentially easier.

You get to bypass a medical examiner coming to your home or office.

This means:

  • No needle stick to draw blood
  • No cup for a urine specimen
  • No scale to take your weight
  • No blood pressure cuff on your arm
  • No waiting around for your lab results

And, most important, no stress.

It’s important to know that when you apply for a no medical exam policy, you will be asked about your health history and your public reports will be checked.

There’s no difference in coverage between a policy that does require an exam and one that doesn’t.

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 (not all companies check this)

Why consider a life insurance plan without a physical?

The traditional process of obtaining life insurance went something like this: You set up an appointment with your doctor to check out your physical health, and the results were shared with the insurance company, where an underwriter reviewed your material. Eventually, about six to eight weeks after your initial contact with an agent, you received your policy.

But for some people, the idea of waiting over a month is undesirable or, in some cases, just not feasible. Some, for instance, must find a life insurance plan quickly in order to apply for a Small Business Administration (SBA) loan. Others find out that their divorce settlement requires life insurance and they must find an acceptable insurance plan in a hurry so that the proceedings can continue. In these situations, people need to get a life insurance plan as soon as possible so as not to disrupt other areas of their life.

For many people, the idea of forgoing the physical exam altogether is simply appealing. No scheduling a half-hour appointment. No getting poked and prodded. No stress from wondering whether their medical health is sufficient to get a good rate or if there’s anything lurking in their tests that they didn’t know about. And, most important, no waiting. Just one online survey and they’re done, with some companies approving life insurance plans in as little as a day!

Type of No Exam PolicyTime to ApprovalHealth Types EligiblePercent of Population That QualifiesCoverage AmountsPrice
Accelerated2 – 21 daysExcellent5%$100,000 – $1,000,000Best
Simplified IssueInstant – 30 daysExcellent to average60%$25,000 – $1,000,000Good
Express IssueInstant – 10 daysAverage to below average85%$25,000 – $400,000Average
Instant/Rapid Issue (online application)Instant – 4 daysExcellent to below average50%$25,000 – $1,000,000Good
GroupInstantAny99%$10,000 – $50,000OK

1. Accelerated Acceptance Policies

These are the most competitively priced no exam policies in the market. With this type of policy, the application paperwork is so clean that 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?

Type of No Exam PolicyAccelerated
Time to Approval2 – 21 days
Health Types EligibleExcellent
Percent of Population That Qualifies5%
Coverage Amounts$100,000 – $1,000,000
PriceBest
Medical HistoryNo history of cancer, heart disease, stroke, diabetes, immune disorder, or any other disease
Number of MedicationsNo more than 1 medication
Financial/Credit ScoreCredit score over 740
Motor Vehicle Department ReportNo 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

Lincoln National Life Insurance Company

TermAccel18 – 50$100,000 – $500,000

John Hancock Life Insurance Company

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

Principal Life Insurance Company

Term18 – 60$50,000 – $1,000,000

Pacific Life Insurance Company

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

2. Simplified Issue Policies

Simplified issue policies are for people with excellent to average health.

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

If your health history includes serious or chronic illness, insurers might require a medical report from the doctors you’ve seen. And if they can’t get the records they need, they will require a medical exam. 

What do you need to qualify for a simplified issue policy?

Type of No Exam PolicySimplified Issue
Time to ApprovalInstant – 30 days
Health Types EligibleExcellent to average
Percent of Population That Qualifies60%
Coverage Amounts$25,000 – $1,000,000
PriceGood
Medical HistoryNo history of cancer, heart disease, stroke, or immune disorder in the past 7 years. Well-controlled medical conditions acceptable.
Number of MedicationsNo more than 3 medications
Financial/Credit ScoreCredit score over 600
Motor Vehicle Department ReportNo 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

Sagicor Life Insurance Company

Sage Term18 – 75$50,000 – $500,000

American National Life Insurance Company

Term Life18 – 65$50,000 – $500,000

Mutual of Omaha Life Insurance Company
SBLI Level Term Insurance18 – 60$100,000 – $500,000
American Life Insurance Company of TX
Signature Term18 – 65$50,000 – $250,000

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

Transamerica Life Insurance Company


Trendsetter LB18 – 80$50,000 – $250,000
American Life Insurance Company of TX
Term Made Simple18 – 75$50,000 – $400,000

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

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 reviews your application to make a final decision. That can push the approval time to 10 days.

Express issue policies offer the same price for everyone, regardless of health. But, some insurers will decline an application based on the applicant’s current or previous health status.

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

Type of No Exam PolicyExpress Issue
Time to ApprovalInstant
Health Types EligibleAverage to below average
Percent of Population That Qualifies85%
Coverage Amounts$25,000 – $400,000
PriceAverage
Medical HistoryNo history of cancer, heart disease, stroke, or serious immune disorder in the past 5 years. Controlled medical conditions acceptable.
Number of MedicationsNo more than 4 medications
Financial/Credit scoreNo financial history or credit check
Motor Vehicle Department ReportNo 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. Instant/Rapid Issue Policies with Online Applications.

If you prefer to apply online yourself, now you can get a quote and complete the application without the assistance of a sales agent. The online application takes about 10 – 20 minutes to complete. Of course, you have the option to speak with an agent. The choice is yours.

The companies that offer these policies have unfamiliar names, but you can rest assured because they are backed by A-rated insurance companies.

These policies are still fully underwritten. This means they run your pharmacy report, motor vehicle report, and a financial background report, so be truthful when applying.

Upon completing the application, you receive instant feedback on whether your application has been approved or declined, or more information is needed. The company may require additional medical information before issuing you a policy.

What do you need to qualify for an instant/rapid issue policy with an online application?

Type of No Exam PolicyInstant/rapid issue with online application
Time to ApprovalInstant – 4 days
Health Types EligibleExcellent to average
Percent of Population That Qualifies50%
Coverage Amounts$25,000 – $1,000,000
PriceGood
Medical HistoryNo history of cancer, heart disease, stroke, diabetes or immune disorder in the past 7 years. Well-controlled medical conditions acceptable.
Number of MedicationsNo more than 3 medications taken daily
Financial/Credit ScoreCredit score over 600
Motor Vehicle Department ReportNo history of DUI in the past 10 years, no more than 3 tickets in the past 3 years

Companies that offer instant issue policies with online applications

Insurance CompanyProductEligible AgesCoverage Amounts

HavenLife
Haven Term Simplified
Issued by MassMutual
18 – 65$25,000 – $500,000

Fabric Life Insurance
Term Life Insurance
Issued by Vantis Life
21 – 60$100,000 – $1,000,000

Ladder Life Insurance
Term Life Insurance
Issued by Fidelity Security Life
20 – 60$100,000 – $1,000,000

Bestow Life Insurance
Instant Issue Term
Issued by North American Co. for Life & Health
21 – 55$50,000 – $1,000,000

5. Group Insurance Policies

Getting a group term or whole life policy involves answering a few health questions. 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 would get through 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 a good option.

What do you need to qualify for a group insurance policy?

Type of No Exam PolicyGroup
Time to ApprovalInstant
Health Types EligibleAny
Percent of Population That Qualifies99%
Coverage Amounts$10,000 – $50,000
PriceOK
Medical HistoryNot in a medical facility and do not require full-time care
Number of MedicationsNo limit
Financial/Credit scoreNo financial history or credit checks
Motor Vehicle Department ReportThey 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

Group Life Insurance

Join an association that offers life insurance to members.
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How to apply for no exam life insurance

1. Get a quote

First, you’ll want to get an instant quote. It’s easy. Just fill out a few questions on our Life Insurance form to receive your free instant quote.

2. Compare and submit an application request

You’ll see a list of insurance companies that are interested in providing coverage based on your profile. Once you’ve reviewed the rates, you select a company and submit an application request. You can get a jump start 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.

3. 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.

4. Receive a policy contract

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

5. Sign the contract and make the first payment

If you’re ready, you’ll sign the contract and make your first payment. You’ll then have life insurance coverage.

*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.

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FAQs

How are no exam life insurance policies different from policies that require a physical?

Answer: The difference is the coverage amounts and health classes offered. Policies that do not require an exam have lower coverage amounts.

How much life insurance can I get without a physical?

Most carriers offer up to $1,000,000 in coverage if you choose to forgo the exam. Any amount over this will require a medical exam.

Are no exam policies more expensive?

Contrary to what you might have heard, no medical exam policies are not more expensive than those that do require an exam.

It’s true that they used to cost more, but 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.

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

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.

No Medical Term Life Insurance Product Comparison Chart

Company & ProductPolicy Type & Time to ApprovalEligible Ages & Coverage AmountsTrue Blue Notes

Banner Life Insurance Company

OPTerm
Accelerated

2 – 4 days
20 – 50 years

$100,000 – $1,000,000
For people with excellent health, they often waive the medical exam requirement.

Lincoln National Life Insurance Company

TermAccel
Accelerated

2 – 10 days
18 – 50 years

$100,000 – $500,000
For people with excellent health, they often waive the medical exam requirement.

John Hancock Life Insurance Company

Smart Protect
Accelerated

2 – 4 days
20 – 60 years

$100,000 – $1,000,000
A no medical exam option for those in excellent health.

Principal Life Insurance Company

term
Accelerated

1 – 4 days
18 – 60 years

$50,000 – $1,000,000
For people with excellent health, this is a great option.

Pacific Life Insurance Company

Pacific Prime
Accelerated

2 – 4 days
18 – 60 years

$100,000 – $249,999
For people with excellent health, the medical exam is waived for policies under $250,000.

Sagicor Life Insurance Company

Sage Term
Simplified Issue
Instant – 7 days
18 – 75 years
$50,000 – $1,000,000
Some policies are approved instantly, depending on health history.

American National Life Insurance Company

Term Life
Simplified Issue

Instant – 14 days
18 – 65 years

$50,000 – $500,000
Great service and lenient underwriting. Some policies are approved instantly, depending on health history.

Mutual of Omaha Life Insurance Company

SBLI Level Term Insurance
Simplified Issue
2 – 30 days
18 – 60
$50,000 – $250,000
Great pricing for people in excellent or average health. Doctors’ records may be requested.
American Life Insurance Company of TX
Signature Term
Simplified Issue

3 – 14 days
18 – 65 years

$50,000 – $250,000
The underwriting is lenient.
Product comes with Critical and Chronic Illness riders free of charge.

Mutual of Omaha Life Insurance Company

Term Life Answers
Simplified Issue

1 – 3 days
18 – 80 years

$25,000 – $99,999
The medical exam is only waived when the coverage amount is under $100,000.

Nassau Re Life Insurance Company

Safe Harbor Term
Simplified Issue

2 – 21 days
18 – 80 years

$50,000 – $500,000
Product comes with Critical and Chronic Illness riders free of charge. This company has a slightly lower financial rating.

Transamerica Life Insurance Company

Trendsetter LB
Simplified Issue

2 – 4 days
18 – 80 years

$50,000 – $250,000
Product comes with Critical and Chronic Illness riders free of charge. They don’t check background or credit reports.
American Life Insurance Company of TX
Term Made Simple
Simplified Issue

3 – 14 days
18 – 75 years

$50,000 – $400,000
Product comes with Critical and Chronic Illness riders free of charge.

Fidelity Life Insurance Company

Rapid Decision Express
Express/Instant Issue

Instant – 1 day
18 – 65 years

$25,000 – $250,000
Application takes 10 minutes over the phone, and approval decisions are make instantly. They don’t check background or credit reports.

Independent Order of Forester Life Insurance Company

Your Term
Express/Instant Issue

Instant – 10 days
18 – 80 years

$50,000 – $400,000
They have multiple health classes, so rates are great for those in excellent to below-average health. They don’t check background or credit reports.

Mutual of Omaha Life Insurance Company

Term Life Express
Express/Instant Issue

Instant – 2 days
18 – 65 years

$25,000 – $300,000
For those who are overweight, this is often the best choice. They don’t check background or credit reports.

Nassau Re Life Insurance Company

Safe Harbor Term Express
Express/Instant Issue

Instant – 10 days
18 – 80 years

$25,000 – $400,000
Product comes with Critical and Chronic Illness riders free of charge. This company has a slightly lower financial rating.

Bestow Life Insurance

Instant Issue Term
Issued by North American Co. for Life & Health
Online Instant Issue

Instant – 2 days
21 – 55
$50,000 – $1,000,000
Complete the application online and receive an instant decision. Different prices depending on health.

HavenLife

Simplified Issue Term
Issued by North American Co. for Life & Health
Online Instant Issue

Instant – 2 days
18 – 65
$25,000 – $500,000
Complete the application online and receive an instant decision. One health class (same price for everyone).

Ladder Life Insurance

Term Life Insurance
Issued by Fidelity Security Life
Online Instant Issue

Instant – 2 days
20 – 60
$100,000 – $1,000,000
Complete the application online and receive an instant decision. Different prices depending on health.

Fabric Life Insurance

Term Life Insurance
Issued by Vantis Life
Online Instant Issue

Instant – 2 days
21 – 60
$100,000 – $1,000,000
Complete the application online and receive an instant decision. Different prices depending on health.

Lifeshield National Life Insurance Company

Protection Plus
Group

Instant
18 – 75 years

$10,000 – $50,000
This is an exclusive group policy. It’s a term policy with a cost increase every 5 years.

5 Star Life Insurance Company
Group

Instant
18 – 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.
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My experience with Jennifer was amazing. I needed to get life insurance for an SBA loan that was very complicated, and needed to be done very quickly in order to close the loan. Jennifer got me thru the process in about 1/4 of the normal amount of time. Jennifer always answered the phone even when she was on vacation. "Unbelievable" She is an expert at here job and was very nice to me even though I called about a hundred times with Questions. Thank you Jennifer. 10 BIG STARS IF I COULD GIVE THEM.
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Dan was absolutely amazing. He was able to help me find a large policy for my dad (many pre-existing health conditions) in the middle of a pandemic with no medical exam. He earned every cent of this premium and I don’t know what I would have done without him. I would give him 10 stars if I could. A thousand thanks Dan. Cheers.
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