By clicking "Display Quotes", and submitting an online insurance quote request, you are providing Term Life Advice with your prior express and written consent to call you at the cell phone number or residential phone number provided. Final rates are based on eligibility. You can also reach us toll-free at 855-902-6494.
Filter life insurance quotes by your needs:
| Name | Issue Ages | Minimum Coverage | Maximum Coverage | Medical Exam Required | |
|---|---|---|---|---|---|
 |
18 - 50 years old | $100,000 | $499,999 | No |
|
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18 - 50 years old | $250,000 | $1,000,000 | No |
|
|
49 - 60 years old | $250,000 | $500,000 | No |
|
 *Available for the following terms only: 10 Years |
20 - 50 years old | $100,000 | $500,000 | No |
|
| *Available for the following terms only: 15 Years, 20 Years, 25 Years, 30 Years |
20 - 50 years old | $100,000 | $500,000 | No |
|
| *Available for the following terms only: 15 Years, 20 Years, 25 Years, 30 Years |
20 - 40 years old | $100,000 | $1,000,000 | No |
|
| *Available for the following terms only: 15 Years, 20 Years, 25 Years, 30 Years |
40 - 45 years old | $100,000 | $750,000 | No |
|
| *Available for the following terms only: 15 Years, 20 Years, 25 Years, 30 Years |
45 - 50 years old | $100,000 | $500,000 | No |
|
 |
18 - 65 years old | $50,000 | $1,000,000 | No |
|
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18 - 64 years old | $100,000 | $1,000,000 | No |
|
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18 - 60 years old | $100,000 | $3,000,000 | No |
|
 *Available for the following terms only: 10 Years, 15 Years, 20 Years |
18 - 60 years old | $100,000 | $1,000,000 | No |
|
|
18 - 50 years old | $100,000 | $1,000,000 | No |
|
|
18 - 60 years old | $100,000 | $1,000,000 | No |
|
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18 - 50 years old | $50,000 | $2,000,000 | No |
|
|
50 - 60 years old | $50,000 | $1,000,000 | No |
|
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18 - 50 years old | $100,000 | $1,000,000 | No |
|
|
50 - 60 years old | $100,000 | $500,000 | No |
|
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50 - 69 years old | $50,000 | $1,000,000 | No |
|
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18 - 65 years old | $100,000 | $5,000,000 | No |
|
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18 - 60 years old | $50,000 | $1,000,000 | No |
|
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18 - 45 years old | $100,000 | $1,000,000 | No |
|
| *Preferred and Preferred best only |
45 - 60 years old | $100,000 | $500,000 | No |
|
 |
18 - 65 years old | $100,000 | $1,000,000 | No |
|
 |
18 - 65 years old | $50,000 | $1,000,000 | No |
|
 |
18 - 60 years old | $100,000 | $500,000 | No |
|
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18 - 60 years old | $25,000 | $249,999 | No |
|
|
18 - 60 years old | $25,000 | $99,999 | No |
|
|
60 - 70 years old | $25,000 | $50,000 | No |
|
 |
18 - 50 years old | $25,000 | $300,000 | No |
|
|
50 - 60 years old | $25,000 | $250,000 | No |
|
|
60 - 70 years old | $25,000 | $150,000 | No |
|
|
18 - 55 years old | $25,000 | $1,000,000 | No |
|
No exam term life insurance is just like traditional term life insurance, but it does not require a medical exam for approval. These policies can be purchased online or over the phone in a matter of minutes, and they usually offer immediate coverage with level rates for a fixed number of years.
Buying life insurance without a medical exam is ideal for busy executives, world travelers, truck drivers, or anyone who can’t stand the thought of giving blood. No exam life insurance has become increasingly popular since the Coronavirus pandemic, and as a result, rates have become more competitive.
The biggest upside to buying no exam life insurance is convenience. These policies are approved faster than traditional life insurance making them ideal for small business owners that need to collateralize their business loan in a hurry. Individuals with undiagnosed health issues may also benefit by skipping an exam.
The downside to life insurance without a medical exam is that it tends to be more expensive, especially for applicants over the age of 60. These policies are also less lenient with applicants that have a history of health issues, and individuals in less than average health for their age are more likely to be declined.
The cost of your no exam life insurance policy is determined by several factors that include your age, gender, overall health, occupational hazards, or any dangerous hobbies that you might participate in. In general, the healthier and younger you are, the less expensive your life insurance will be.
Life insurance without an exam is the most competitively priced for healthy people under the age of 50. Females also tend to pay about 30-40% less for their coverage due to a longer life expectancy. To view rates and coverage options, request an instant quote above using our free calculator, or call us at 855-247-9555.
Purchasing life insurance without a medical exam is simple and easy because you do not have to meet with a nurse or wait for your lab results to get processed. Instead, underwriting is completed almost instantly by electronically reviewing your Medical Information Bureau records and prescription history.
You can apply for a policy online or over the phone, and most applicants receive a decision within 24 hours or less. To get started, request an instant quote online using the form at the top of the page, or call us toll-free at 855-247-9555. Our agency works directly with more than 50 life insurance providers.