Best Life Quote

No Medical Exam Life Insurance

Written By Doug Mitchell

Doug Mitchell, CLU holds a BA degree in Finance from Auburn University as well as having obtained a Chartered Life Underwriter (CLU) designation from The American College in Bryn Mahr, PA.  Doug has spent close to 30 years in the insurance and financial planning industry and has held licenses to sell securities, long-term care insurance, health.  Doug is also a financial blogger addressing the topics of life insurance, annuities and retirement income planning.

Holly Mitchell  &

Holly Mitchell’s background in life insurance insurance goes back to 1985 when she worked for her father who was a New York Life agent. Holly has a marketing degree from Auburn University and has had a life insurance license since 2008. In addition to advising life insurance for customers all around the country, Holly is our website fact checker.

Rob Pinner   &

Rob Pinner is the founder and CEO of Pinner Financial Services servicing all 50 states. Rob started his insurance career in 2002.

Louis LaBash

Results-driven and innovative life insurance professional with 30 plus years of life insurance industry sales and marketing experience. Recognized as a pioneer in the field, leveraging phone and internet channels to exceed personal sales of over $100 million during the first decade of the 21st century. Creator of a highly effective intuitive IUL life insurance sales software that facilitated the sale of millions of dollars of indexed universal policies by numerous life insurance agents. Proven track record as a Managing General Agent (MGA), Life Agent, IUL Life Insurance Sales Software developer, and leading-edge creator of insurance marketing tools, educational content, and delivery systems.

Life insurance is a crucial financial tool that provides peace of mind, ensuring the well-being of your loved ones in the event of your untimely passing. Traditionally, obtaining life insurance required a cumbersome and time-consuming process, involving medical exams, paperwork, and lengthy underwriting procedures. However, the landscape of life insurance has evolved to cater to the needs of a fast-paced and digitally-driven society.

Enter “No Exam Life Insurance,” a game-changing solution that has revolutionized the insurance industry. As the name suggests, this innovative approach eliminates the need for a medical exam, offering a convenient and accessible option for individuals seeking life insurance coverage.

What is No Medical Exam Life Insurance?

No medical life insurance, also known as no exam life insurance, is a type of life insurance policy that does not require applicants to undergo a traditional medical examination. Instead of the customary medical tests, such as blood work, urine samples, or a physical exam, this insurance option uses other means to assess an individual’s insurability and determine their risk level.

Typically, when applying for traditional life insurance, applicants are required to visit a healthcare professional who conducts various medical tests to evaluate their overall health and identify any underlying conditions. These tests can be time-consuming and may cause inconvenience for some applicants. No medical exam life insurance offers a simpler and more streamlined process by eliminating the need for these medical exams.

Instead, insurance providers offering no-exam life insurance policies rely on alternative methods to assess an applicant’s risk profile, such as the MIB, Prescription Drug Reports, and Motor Vehicle Reports.

Medical Information Bureau – MIB

The Medical Information Bureau (MIB) is a specialized organization in the United States that collects and maintains medical information on individuals. It is a nonprofit association of insurance companies that was established in 1902. The purpose of the MIB is to provide a central repository of medical data that insurance companies can access during the underwriting process.


ScriptCheck works with some of the country’s largest pharmacy benefits management (PBM) companies and has developed exclusive relationships that help capture a more comprehensive review of an insurance applicant’s prescription drug history.

Through its Pharmacy Benefit Managers relationships, ScriptCheck goes directly to the source and collects the pharmacy claims regardless of where they fill their prescriptions. This strategy lets insurers receive information on the drugs they care about for life insurance underwriting.

Motor Vehicle Reports (MVR)

For several reasons, life insurance companies may ask for an applicant’s motor vehicle report (MVR). While MVRs primarily contain information related to a person’s driving history, they can provide valuable insights into an individual’s overall risk profile and health status.

Medical life insurance is only somewhat beneficial for seniors with pre-existing medical conditions or prefer a more convenient and expedited application process. By removing the requirement for a medical exam, this type of insurance makes it easier for people with health concerns to secure the coverage they need to protect their loved ones financially when they die.

The Pros and Cons of No Exam Life Insurance

With any insurance product, there are pros and cons to consider. These pros and cons aren’t typically related to the insurance product but rather the applicant’s circumstances, needs, and budget.

Advantages of No Exam Life Insurance

  1. Convenience and Speed: One of the most significant advantages of no-exam life insurance is its convenience and speed. The application process is simplified and streamlined without the need for a medical exam. Applicants can complete the process online or over the phone, saving time and eliminating the need for multiple appointments or visits to medical facilities. This makes it ideal for busy individuals who value efficiency and convenience.
  2. Accessibility for Individuals with Health Conditions: No exam life insurance provides an opportunity for individuals with pre-existing health conditions to obtain coverage. Traditional life insurance policies often require a medical exam, which can result in higher premiums or even denial of coverage for those with certain health conditions. 
  3. Simplified Application Process: The application process for no-exam life insurance is generally straightforward and user-friendly. Applicants can complete the necessary paperwork online or through electronic means, eliminating the need for extensive paperwork or physical documentation. This ease of application makes it more accessible to a wider range of individuals, including those who may be less comfortable with traditional paper-based processes.
  4. Flexibility in Coverage Amounts: No exam life insurance policies often offer flexibility in coverage amounts. Applicants can choose coverage that aligns with their specific needs and budget, whether they require a small policy or a larger amount of coverage. This flexibility allows individuals to tailor their insurance to their unique circumstances, ensuring they have the appropriate level of financial protection for their loved ones.

Disadvantages of No Exam Life Insurance

While no exam life insurance has its advantages, it also comes with a few disadvantages that individuals should consider before opting for this type of policy. Here are some of the key disadvantages:

  1. Higher Premiums: One of the main drawbacks of no-exam life insurance is that it often carries higher premiums compared to traditional life insurance policies that require a medical examination. Since insurance providers are assuming a higher level of risk by not conducting a thorough medical evaluation, they may offset this by charging higher premiums. 
  2. Coverage Limitations: No exam life insurance policies often have limitations on coverage amounts. Insurance providers may impose maximum coverage limits, which can restrict the amount of protection an individual can obtain. These limits may not meet the needs of individuals seeking higher coverage, such as those with significant financial obligations or those wishing to provide for their dependents’ long-term needs.
  3. Limited Policy Options: Compared to traditional life insurance, the options available for no-exam life insurance may be more limited. Not all insurance providers offer no exam policies, and those that do may have specific restrictions on policy types or riders available. 

It is essential to carefully evaluate these disadvantages in light of personal circumstances and preferences. Considering factors such as health status, desired coverage amounts, budget, and long-term goals can help individuals determine whether no exam life insurance is the most suitable option or if traditional life insurance policies with a medical exam may be a better fit. Consulting with a licensed insurance professional can provide valuable guidance in making an informed decision.

Different Types of No Medical Exam Life Insurance

No exam life insurance may be ideal for you depending on your health condition. If you are leaning towards a no-exam policy, you need to be aware of the options available to you, which are outlined below.

Simplified Issue Life Insurance

With a simplified issue policy, you will typically be asked health-related questions in order to determine your insurability, as well as an appropriate policy premium.

For example, common questions that you may be asked could include:

  • Do you smoke?
  • Have you been diagnosed with HIV or AIDS?
  • Do you currently reside in a long-term care facility?
  • Do you suffer from any health-related conditions, such as diabetes?

With these policies, coverage can usually be issued within just a few days, compared to weeks – or even months – with traditionally underwritten life insurance. The full amount of the death benefit would be available to the policy beneficiary upon the death of the insured.

Because there is no medical exam, however, the premium charged for these policies is generally higher than that of a regular life insurance policy with an exam.

The plus here is that it could be an avenue for life insurance protection for those needing a policy quickly or not wanting an exam done.

Mutual of Omaha, Royal Neighbors, and American Amicable are a few companies that offer simplified issue life insurance options. These policies do not have an initial waiting period before coverage is in effect and work just like other term life policies.

Accelerated Underwriting

Accelerated underwriting is a streamlined life insurance underwriting process that leverages advanced technology and data analysis to expedite the assessment of an applicant’s risk profile. It aims to provide quicker policy approvals and eliminate the need for traditional underwriting methods, such as medical exams and extensive paperwork.

With accelerated underwriting, insurance companies use data from various sources, including electronic health records, prescription databases, motor vehicle records, and credit histories, to assess an applicant’s risk. Advanced algorithms and predictive models are employed to analyze the data and make underwriting decisions.

Accelerated underwriting has gained popularity in recent years as it offers a more efficient and convenient experience for applicants. It appeals to individuals seeking a faster life insurance application process, particularly for higher coverage amounts or individuals who meet certain health and lifestyle criteria. However, not all applicants may qualify for accelerated underwriting, and traditional underwriting processes may still be required if the applicant doesn’t fit within the accelerated underwriting profile.

Is No Exam Life Insurance a Better Option for Seniors?

No medical life insurance can be a suitable option for seniors, depending on their specific circumstances and preferences. Here are some key considerations to help determine if no medical life insurance is a better option for seniors:

  1. Health Condition: No medical life insurance can be advantageous for seniors who have pre-existing health conditions that may make it challenging to qualify for traditional life insurance policies requiring a medical exam. If a senior has health concerns that could result in higher premiums or potential denial of coverage in a traditional policy, no medical life insurance may provide a viable alternative.
  2. Convenience and Speed: No medical life insurance offers a streamlined application process without the need for a medical exam, making it more convenient and faster to obtain coverage. This can be appealing to seniors who prefer a more expedited and hassle-free process, especially if they have limited mobility or find medical examinations burdensome.
  3. Coverage Amounts: Seniors seeking a lower amount of coverage may need more medical life insurance for their needs. These policies often have maximum coverage limits, so if a senior requires a higher coverage amount, they may need to explore other options such as traditional life insurance policies that involve a medical exam.
  4. Premium Considerations: It’s essential to evaluate the cost of premiums when considering no medical life insurance for seniors. These policies often come with higher premiums than traditional life insurance policies involving a medical exam. Seniors should carefully assess their budget and determine if the higher premiums are affordable and align with their financial situation.
  5. Underwriting Considerations: No medical life insurance relies on alternative underwriting methods, such as evaluating health history and lifestyle factors. Seniors should be aware that certain health conditions or lifestyle choices may still impact premiums or result in coverage limitations. It’s important to review the policy terms and conditions to understand the underwriting criteria the insurance provider applies.

Ultimately, the suitability of no medical life insurance for seniors depends on their individual circumstances, health status, coverage needs, and financial considerations. Seniors should consult with a licensed insurance professional who can assess their specific situation and provide guidance on the most appropriate life insurance options available to them.

Is No Exam Insurance Affordable?

One of the most common reasons that people don’t get life insurance is because they assume that it’s too expensive to fit into their budget, but that couldn’t be further from the truth.

There are plenty of affordable options for life insurance, regardless of health. With most life insurance policies, your health is going to impact your insurance premium. The best way to get the lowest rates on your life insurance is to compare the quotes with as many highly rated insurers as possible.  The quoter on this page can do that for you.

Instead of calling all of the companies yourself, let the insurance professionals at do the work for you. We represent many of the highly-rate carriers but we don’t work for them. Our pledge to every customer and prospective customer is to put their needs first and foremost. Additionally, with the technology we  have today, we can send your quote request to all of the carriers we represent simultaneously and then deliver the best solution to you.

How Much Life Insurance Do You Need?

Before you shop or apply for any kind of life insurance coverage, it’s important that you calculate what your life insurance needs are and then attempt to purchase the coverage sufficient to meet those needs.

Many components go into deciding how large of a life insurance plan you’ll need, and buying too little coverage could leave your family with thousands of dollars of debt and no money to pay off any of those expenses.

Outstanding Debts: Number crunching is key when calculating the face value needs of your life insurance policy. You want to make sure any debt and expense can be covered and paid off with the total value.

Calculate any outstanding mortgage and car loan payments so that your loved ones will not have to worry about paying them off. If you are an older applicant without any major debts, you can buy a much smaller insurance policy and save money on cheaper premiums.

Not only should the life insurance policy protect your family from having to pay down debts and extra expenses but the value of the policy also needs to provide an income stream.

Once you are gone,  your family  loses extra cash that income would have provided; it’s important to factor that amount in when choosing your policy value. If you’re at a stage of life as a senior where nobody relies on your salary, then you won’t have to worry about loss of income after your passing.

Medical Bills and Other Final Expenses: Another factor to consider is your death expenses or other medical expenses that you will likely leave behind. If you have health complications, there is a chance that you would leave medical bills to your family after you pass away. Those hospital expenses can cost your family hundreds of thousands of dollars.

It would be a shame if you did not go through with correctly calculating your financial situation before purchasing your policy.  Forgetting even one of these can cause your family more grief and burden when you die.

Companies We Recommend for No Exam Life Insurance

While considering and shopping for no-exam life insurance, it’s important that you consider more than the periodic premium. You should also consider the company’s financial stability, customer service ratings, and whether the company has a history of timely and as stated in the insurance contract.

Here are the top five companies we recommend for no-exam life insurance:

Mutual of Omaha – Rated A+ (Excellent)

Rated A- (Excellent), Mutual of Omaha offers no exam coverage up to $400,000. They offer a very easy application process and make a decision within 24 hours.

While Mutual of Omaha isn’t always the cheapest option for coverage, if you need a policy quickly and are in good health, Mutual of Omaha  is a good choice.

Royal Neighbors – Rated A  (Excellent)

Royal  Neighbors has been around since 1895.  They have a Jet Term product that can be purchased up to $500,000 without a medical exam.  This Jet Term can also be converted to a whole life product later in life as your needs change.

American Amicable – Rated A  (Excellent)

Some of the most competitive pricing comes from the no-exam life insurance policies for American Amicable. While they don’t require a physical exam, they have a pretty involved medical question interview.

American Amicable is a financially sound company, and their no exam term life offers many beneficial riders.

Get Affordable No Exam Life Insurance Today

At we understand the importance of protecting your family’s financial well-being, especially in times of unexpected loss. That’s why we believe that life insurance is the ultimate safeguard against financial burdens. Leaving behind a legacy of debt and unpaid expenses only adds additional stress to an already difficult situation.

We acknowledge that planning for one’s death is not pleasant. However, failing to be prepared can leave your family grappling with unnecessary stress and financial obligations. Finding the best life insurance plan is crucial, but we understand that navigating through the various policies can be confusing and even stressful. 

Use the quoter on this page to start the process.  You will see instant quotes.  We can discuss your best options once you have an idea of your no-exam life insurance cost.

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