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No Medical Exam Life Insurance

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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 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 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.

No medical exam policies are still fully underwritten — just not with a medical exam.

Why Consider A Life Insurance Plan With No Medical Exam?

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, the results were shared with the insurance company, an underwriter reviewed your material, and you eventually received your policy about six to eight weeks after the initial contact with an agent.

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

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

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)

Can you get life insurance without a medical exam?

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

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

This means:

  • No needle to draw blood
  • No cup for a urine specimen
  • No scale to take your weight
  • No blood pressure meter thing on your arm
  • No waiting for your lab results to come back

But most importantly, no stress.

It is important to know that no medical exam policies still ask your health history and look at your public reports.

Do all life insurance policies require a physical?

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.

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.

For example a $250,000, 30 year term policy will cost you around $45 dollars a month.

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

How much life insurance can I get without a physical?

Most carriers offer up to $500,000 in coverage if you choose to forgo the exam, anything over this and a medical exam is required.

No medical exam policies are the same policies as those that require a medical exam.

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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?

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

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 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 then require a medical exam. 

What do you need to qualify for simplified issue policies?

Type of No Exam PolicySimplified Issue
Time to ApprovalInstant to 14 days
Health Types EligibleExcellent to average
Percent of Population That Qualifies60%
Coverage Amounts$25,000 – $500,000
PriceGood
Medical HistoryNo history of cancer, heart disease, stroke, or immune disorder in the past 7 years. Well controlled medical conditions
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
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 reviews 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.

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

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
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
Get An Instant Issue Quote

4. 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 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 a good option.

What do you need to qualify for group insurance policies?

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

How to apply for no exam life insurance

1. Get a Quote

First, you’ll want to get an instant quote. 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, complete our health questionnaire.

3. Compare and submit an application request

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.

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 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.

FAQs

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

Answer: The difference is the coverage amounts and health classes offered. No exam policies have lower face amounts.

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 Life Insurance Product Comparison Chart

Company & ProductPolicy Type & Time to ApprovalReports CheckedEligible Ages & Coverage AmountsTrue Blue Notes
American Life Insurance Company of TX
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.
Product comes with Critical and Chronic Illness riders free of charge.
American Life Insurance Company of TX
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 underwriting is lenient.
Product comes with Critical and Chronic Illness riders free of charge.

American National Life Insurance Company

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
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.

Banner Life Insurance Company

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
Applications are taken over the phone in a 45-minute phone interview with a Banner rep. About 20% of applicants qualify for accelerated underwriting.

Fidelity Life Insurance Company
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. No background or credit checks. Lenient underwriting.

Independent Order of Forester Life Insurance Company
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. 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.

John Hancock Life Insurance Company

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.

Lifeshield National Life Insurance Company
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. The application is taken 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.

Lincoln National Life Insurance Company

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
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.

Mutual of Omaha Life Insurance Company

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 of Omaha Life Insurance Company

Express/Instant Issue

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

$25,000 – $300,000
For those who are overweight, this is often the best choice. There’s no credit or financial history check.

Pacific Life Insurance Company

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. The application is taken over the phone in about 40 minutes.

Nassau Re Life Insurance Company

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.

Nassau Re Life Insurance Company

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.

Principal Life Insurance Company

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. Expect a 40-minute phone application. We see this company offer policies up to $1,000,000 without an exam more often than others.

Sagicor Life Insurance Company

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
The Application takes about 20 minutes to complete over the phone. Some policies are approved instantly, depending on health history.

Surebridge Life Insurance Company
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.

Transamerica Life Insurance Company

Simplified Issue

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

$50,000 – $250,000
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.

5 Star Life Insurance Company
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.
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To have an agent that I can call or text that is across the country but treats me better and with more importance than my hometown agents is a blessing. She will forever take care of my policy needs.
Agent:
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