Find the Right No Medical Exam Life Insurance

Life insurance companies offer more plans than ever for no medical exam life insurance. Insurdinary helps you compare no medical exam life insurance quotes and coverage limits to find the best policy for you.
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Insurdinary Strives to Make No Medical Exam Life Insurance More Accessible

The medical exam requirement for many life insurance policies can be an insurmountable barrier for many seeking affordable life insurance. Life insurance companies often deny coverage to people with certain risk factors or preexisting conditions.

According to LIMRA, 68% of respondents cited the ability to avoid a medical exam as an appealing factor when considering life insurance.

52% of respondents would be more likely to purchase life insurance if they could avoid taking a medical exam for coverage. 42% of uninsured respondents are more likely to use simplified underwriting to purchase no medical exam life insurance. Of those surveyed, 58% of women said they liked simplified underwriting to avoid the medical exam compared to 53% of men.

Without insurance, your family could be left with debt, funeral costs, mortgage payments, and other expenses that they can't afford. Life insurance provides security in the form of a death benefit payout to your beneficiaries if you pass away during the term of the policy.

Life insurance companies are now offering more plans and options for no medical exam life insurance. Policy owners typically pay higher premiums to balance the insurance company’s risk. Also, insurance companies often reduce coverage limits for simplified, guaranteed, or accelerated coverage.

Having a preexisting condition doesn't mean you cannot qualify for life insurance. Insurdinary makes it easy to compare no medical exam life insurance quotes from multiple life insurance companies.

3 Simple Steps to a No Medical Exam Life Insurance Plan

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1. Explore Providers

Answer a few basic questions, and we'll provide a list of no medical life insurance providers that meet your needs.
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2. Choose a Custom Plan

Compare multiple no medical exam life insurance quotes side by side, including eligibility requirements, coverage limits, and premiums.
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3. Apply

When you choose your no exam term life insurance or permanent life insurance policy, you can apply online through our system and see how your rates change as you add or remove coverage.
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How the No Medical Life Insurance SystemWorks

When applying for a standard life insurance policy with medical underwriting, you must schedule an exam with an approved physician or medical professional who draws blood, takes a urine sample, and measures your height, weight, blood pressure, and other vitals. They will also ask you questions about your lifestyle and habits.

An insurance company may deny your application for coverage if they decide your health or risk factors present too high of a risk.

No medical exam life insurance is easier to qualify for. When applying for no medical exam life insurance, you bypass the exam in favor of additional questions about your personal and family medical history, whether you smoke or use other drugs, and if you have any underlying conditions.

Underwriters for your no exam policy may also request records, including prescription drug use, driving record, and a statement from your primary care physician. However, depending on which type of no medical exam policy you pursue, your prospective insurer might not gather any additional information about you.

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6 Reasons to Consider No Exam Coverage Over Traditional Life Insurance

Life insurance offers several benefits for your family after you pass away. A life insurance death benefit can cover final expenses, replace lost income, and create wealth for future generations of your family. If you’re worried about qualifying for life insurance due to a medical exam, consider a plan that allows you to bypass your physical examination.

Insurdinary can help you find the best no medical exam life insurance coverage that balances costs with comprehensive coverage.

Why should you consider no exam policies rather than standard life insurance plans?

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Here are the reasons why:

Preexisting conditions

Life insurance companies often deny people with preexisting conditions, as they are more likely to die before the company makes a profit on their policy. Diabetes, heart disease, and autoimmune diseases qualify as significant preexisting conditions that can affect your approval odds and premium.

Passing of both parents before 60

If both parents died young, it points insurers to a family medical history that could affect you.

Drug or alcohol abuse

Whether you smoke, drink, or use other drugs, these substances can affect your health for years to come and make you a higher risk to insure.

DUI or driving risks

Risky behaviors can increase the chance of denial by a life insurance company as they are more likely to have to pay out on your policy.

High-risk jobs

Firefighters, police, loggers, construction workers, and combat sport athletes all present a higher risk for insurers, netting high premiums if approved for a policy.

High-risk hobbies

If you rock climb, bungee jump, skydive, or enjoy other dangerous thrills, an insurer may deny your application or require that you apply for high-risk life insurance .

Types of No Medical Exam Life Insurance Plans

There are three main types of no exam medical life insurance plans, including:

Accelerated Underwriting Life Insurance

Traditional life insurance plans that require medical exams can take several weeks to schedule your medical appointment and review your results.

Accelerated underwriting uses your self-reported answers and other reports (driving record, medical record, employment information, etc.) to make a determination.

The coverage limit usually maxes out at $1 million, but some insurance companies offer more.

Simplified Issue Life Insurance

Simplified issue life insurance providers usually request less information from you about your risks and habits. This improves your approval odds but increases the risk for the insurer.

With higher risks for the insurer come higher premiums for the insured. Higher rates are a trade-off for a better chance at approval. Providers also usually offer lower coverage limits for simplified plans.

Guaranteed Issue Life Insurance

For people who have health problems or are older, guaranteed approval might be their only option. Guaranteed issue life insurance must accept applicants, but costs are steep and coverage is limited (usually $25,000, maximum).

There are no questions to answer for guaranteed issue life insurance, and many use these policies to cover their final expenses for the loved ones they leave behind.

Choosing aNo Medical Exam Life Insurance Plan

Before considering what type of no exam life insurance to get, you need to determine how much coverage you need in your policy. You can do this by either multiplying your annual earnings by 10 for a minimum amount or 15 for a more comfortable coverage amount.

You can also calculate how much you need in coverage by adding together your DIME factors. DIME is an anagram for debt, income, mortgage, and education. Calculate your coverage by adding the debts you still owe, your expected income until the policy pays out, your remaining mortgage, and anticipated education costs for yourself or your children.

Because many no exam policies cap the maximum coverage limit, you may find that even the maximum coverage leaves you underinsured. Know how much you need before you begin reviewing quotes.

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Do You Need
No Medical Life Insurance?

If you’re concerned about your eligibility for a traditional life insurance policy, you may prefer the improved odds of approval for limited coverage under a no medical exam life insurance plan.

Whether you have preexisting conditions or believe you should have purchased life insurance earlier in life, a no exam policy can cover your final expenses and offer you and your family peace of mind.

Did you know the average funeral cost is between $6,971 and $7,848? If you don’t have life insurance and don’t leave behind many assets for probate, your family could have to pay those costs out of pocket.

Let's explore a few reasons a no medical exam policy might be right for you.

Your Traditional Life Insurance Application Was Denied

Life insurance companies award coverage based on applicant risk assessments. They try to estimate how many payments they can expect from you before they have to pay out on your policy. Insurance companies often deny high-risk individuals unless they pay higher premiums for high-risk life insurance.

If you know that you present a high risk to an insurer, you can choose a no exam policy. The insurer will charge a higher premium because they are unsure of their risk, but it improves your approval odds.

You Have a Preexisting Condition

People with chronic or autoimmune conditions, people in high-risk jobs, and people with other health problems can all benefit from bypassing medical exams for life insurance.

Rather, their families can benefit. Life insurance pays a lump sum to the policy beneficiaries upon the policyholder's death. The death benefit is tax-free if paid directly to a beneficiary and can cover your final expenses, taxes, debts, and other costs you might leave behind when you pass away.

You Want to Skip the Invasive Medical Exam

Over half of respondents in a LIMRA study reported that they would buy life insurance or increase their coverage if there was no medical exam required.

Many people find a required medical exam invasive, while others believe they won’t qualify for life insurance if they have to pass a medical exam.

With a no exam policy, you don't have to see a doctor to qualify, but the trade-off may mean higher premiums.

Peace of Mind for You and Your Family

Life insurance allows you to leave something behind for your family after you pass away. Depending on the coverage amount you choose, the death benefit your beneficiaries receive can cover funeral and burial costs, final debts and taxes, and loss of your income, and can even allow you to leave behind an inheritance if you don’t own many assets.

Your family shouldn’t have to worry about finances when you pass away. If you think you won’t qualify for life insurance with a traditional policy and medical exam, no medical exam life insurance coverage is an option to secure your family’s future.

Why Choose Insurdinary for No Medical Exam Life Insurance Quotes?

Navigating the complex world of medical exams, premiums, coverage, and beneficiaries can be overwhelming, but you don't have to go through it alone. At Insurdinary, we make it easy to comparison shop for life insurance policies with fast results and several options. We want to increase accessibility to affordable policies for life insurance customers by doing all the hard work of sourcing quotes and filling out applications for you.
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It’s never too late to get life insurance, and even those at an advanced age can get life insurance with a guaranteed issue policy.

Enter your information into our quote form and get estimates from providers in a few minutes.
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Our provider network competes to offer you the best no medical exam life insurance quotes from several life insurance companies.

Find the best premiums, value, or coverage to suit your needs. We can help you find the best plan!
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Our service is free, and there are never hidden fees, so you know you're getting the best deal.

How to Choose Your No Exam Life Insurance Policy with Insurdinary

At Insurdinary, we want to help you find the best life insurance policy they can afford. If you don’t think you qualify for life insurance, a no medical exam life insurance policy might be the answer.

No Medical Exam Term Life Insurance

Term life insurance policies allow you to purchase a life insurance policy that will pay out to your beneficiaries if you pass away before the end of the term. Most life insurance companies offer 10-, 20-, and 30-year terms, but some also offer plans in multiples of five.

Unlike whole or universal policies, term life insurance does not offer cash accrual on the policy, and many plans don’t offer reimbursement for premiums paid if the policy lapses.

Term life insurance tends to be much more affordable than a whole life or universal life policy, even with the higher premiums of a no medical exam policy.

No Medical Exam Permanent Life Insurance

Whole life insurance covers you for the remainder of your life as long as you pay your premiums. It also accrues a cash value over time, allowing you to borrow against your policy if you need to in the future. Be aware that borrowing from your life insurance policy can reduce the death benefit your family receives if not repaid before you pass away.

Traditional whole life policy premiums are approximately ten times more expensive than term life policies. With the higher premiums of a no exam policy, you could pay much higher rates to get a no medical exam permanent life insurance policy over other options.

No Medical Exam Universal Life Insurance

Universal life insurance is a type of permanent life insurance that accrues cash value and also offers policy owners investment income with tax-deferred interest. Variable universal policies can reinvest interest into stocks, bonds, and other investment vehicles from which your beneficiaries can benefit when you pass away.

You can get a term life, whole life, or universal life insurance policy without a medical exam. However, because premiums on any permanent life insurance policy can be much higher than on a term life policy, you should only bypass a medical exam if you believe you won’t qualify under more stringent health checks.

How to Find Affordable No Medical Life Insurance Plans

The most important thing to do when shopping for insurance is to get quotes from multiple providers. Different insurance companies have different risk assessment models, which means you might be low-risk to one insurer and high-risk to another.

To find the best rates, source several quotes and compare the coverage options with the premiums and benefits to choose the best deal.

At Insurdinary, we do all the hard work for you by making it easy to compare several quotes side by side in one place.

How to Keep Life Insurance Costs Low

Life insurance is an investment, but there are several ways to keep costs low:

  • Buy your policy early: The sooner you buy life insurance, the more affordable it usually is. As you age, your risk goes up, so lock in low premiums as soon as you can.
  • Avoid high-risk behavior: Smoking, skydiving, and other risky habits can mean higher premiums.
  • Compare quotes: Don't buy a policy from the first company to give you a quote. Compare several rates and providers to find the best option for you.

Pros and Cons of No Medical Exam Life Insurance

Not every no medical exam policy offers the same coverage and benefits. You can get term, whole, and universal life insurance under a no exam policy. You must weigh the advantages of choosing a no exam policy over a traditional life insurance policy. Review the pros and cons of no medical exam life insurance compared to traditional life insurance policies:


  • Shorter approval process than traditional life insurance with an exam
  • No medical exam required
  • Makes life insurance accessible for “high-risk” applicants
  • Available to applicants of an advanced age who would not qualify for standard life insurance


  • Higher premiums that can cost twice as much as a traditional policy
  • May include a graded death benefit
  • Many life insurance companies limit their coverage for no medical exam life insurance policies
  • Not all policies offer guaranteed acceptance
Different life insurance providers may offer additional benefits or have more requirements than others. Compare your quotes and customize your coverage before applying for a policy on Insurdinary.

No Medical Exam Life Insurance
Frequently Asked Questions (FAQ)

We know that life insurance is a confusing topic. We answer some of our most frequently asked questions below.

How do I choose the right no medical exam insurance plan?

If you're buying your first life insurance policy, it can be overwhelming to compare all your options. To feel confident you're making the right choice for you, consider whether the coverage is enough to give you and your family peace of mind and whether you can afford the monthly premium.

Why don’t many people carry life insurance?

Many people can’t afford additional costs for life insurance on their current income, with much of the working class living paycheck-to-paycheck. However, if the primary earner suddenly passes away, their family will lose their income as well as having to pay their final expenses.

Many others worry about how high premiums could be (or if they even qualify) if they take the medical exam for life insurance. With no medical exam life insurance, you can qualify for life insurance and protect your family's financial future.

How long does getting no medical exam life insurance quotes from Insurdinary take?

It only takes a few minutes to get life insurance quotes from Insurdinary’s provider network after entering your information.
At Insurdinary, we want to make life insurance accessible for you. We make it easy to quote, compare, and apply for a no medical exam life insurance policy, free of charge.
No deposit necessary  •  Only pay when you sign up for a policy  •  No added fees
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