Best No Exam Life Insurance Companies – September 2020

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Name Issue Ages Minimum Coverage Maximum Coverage Medical Exam Required
American General & AIG Logo 18 - 50 years old $100,000 $499,999 No Button background
American National<br>(Xpress Plus) Logo 18 - 50 years old $250,000 $1,000,000 No Button background
American National<br>(Xpress Plus) Logo 49 - 60 years old $250,000 $500,000 No Button background
Banner Logo*Available for the following terms only: 10 Years 20 - 50 years old $100,000 $500,000 No Button background
Banner Logo*Available for the following terms only: 15 Years, 20 Years, 25 Years, 30 Years 20 - 50 years old $100,000 $500,000 No Button background
Banner Logo*Available for the following terms only: 15 Years, 20 Years, 25 Years, 30 Years 20 - 40 years old $100,000 $1,000,000 No Button background
Banner Logo*Available for the following terms only: 15 Years, 20 Years, 25 Years, 30 Years 40 - 45 years old $100,000 $750,000 No Button background
Banner Logo*Available for the following terms only: 15 Years, 20 Years, 25 Years, 30 Years 45 - 50 years old $100,000 $500,000 No Button background
Bestow Logo 18 - 65 years old $50,000 $1,000,000 No Button background
Haven Logo 18 - 64 years old $100,000 $1,000,000 No Button background
John Hancock<br>(Express Track and Simplified Life) Logo 18 - 60 years old $100,000 $3,000,000 No Button background
Lincoln Financial<br>(TermAccel) Logo*Available for the following terms only: 10 Years, 15 Years, 20 Years 18 - 60 years old $100,000 $1,000,000 No Button background
Lincoln Financial<br>(TermAccel) Logo 18 - 50 years old $100,000 $1,000,000 No Button background
Lincoln Financial<br>(LincXpress) Logo 18 - 60 years old $100,000 $1,000,000 No Button background
Minnesota Life<br>(WriteFit) Logo 18 - 50 years old $50,000 $2,000,000 No Button background
Minnesota Life<br>(WriteFit) Logo 50 - 60 years old $50,000 $1,000,000 No Button background
North American<br>(Write Away) Logo 18 - 50 years old $100,000 $1,000,000 No Button background
North American<br>(Write Away) Logo 50 - 60 years old $100,000 $500,000 No Button background
Pacific Life<br>(Smooth Sailing) Logo 50 - 69 years old $50,000 $1,000,000 No Button background
Penn Mutual Logo 18 - 65 years old $100,000 $5,000,000 No Button background
Principal Financial<br>(Accelerated Underwriting) Logo 18 - 60 years old $50,000 $1,000,000 No Button background
Protective Life<br>(PLUS) Logo 18 - 45 years old $100,000 $1,000,000 No Button background
Protective Life<br>(PLUS) Logo*Preferred and Preferred best only 45 - 60 years old $100,000 $500,000 No Button background
Prudential<br>(PRUFastrak) Logo 18 - 65 years old $100,000 $1,000,000 No Button background
Sagicor<br>(SAGE Life) Logo 18 - 65 years old $50,000 $1,000,000 No Button background
SBLI<br>(Accelerated Underwriting) Logo 18 - 60 years old $100,000 $500,000 No Button background
Transamerica<br>(Trendsetter LB) Logo 18 - 60 years old $25,000 $249,999 No Button background
Transamerica<br>(Trendsetter Super) Logo 18 - 60 years old $25,000 $99,999 No Button background
Transamerica<br>(Trendsetter Super) Logo 60 - 70 years old $25,000 $50,000 No Button background
United of Omaha<br>(Term Express) Logo 18 - 50 years old $25,000 $300,000 No Button background
United of Omaha<br>(Term Express) Logo 50 - 60 years old $25,000 $250,000 No Button background
United of Omaha<br>(Term Express) Logo 60 - 70 years old $25,000 $150,000 No Button background
United of Omaha<br>(Accelerated UW) Logo 18 - 55 years old $25,000 $1,000,000 No Button background

Frequently Asked Questions

What is No Medical Exam Term Life Insurance and How Does it Work?

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.

What are the Pros and Cons of Buying Life Insurance without a Medical Exam?

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.

How Much Does No Exam Life Insurance Cost?

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.

How Do I Purchase Life Insurance without a Medical Exam?

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.