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14,784 Families Quoted Since January 2017 

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As of 07/22/18

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No Exam Life Insurance Quotes & Coverage In Under 5 Minutes

Get affordable no exam life insurance quotes and apply online for instant coverage, no need for an agent.

  • Up To $1,000,000 In N​o Exam Coverage
  • ​Get An instant approval in 5 minutes
  • NO Exam, No Blood Tests & NO Waiting Period
  • ​Secure and Simple online Application
  • No Pushy Sales Calls
  • 2 Year Term Life Insurance Option
  • 30 Day Money Back Guarantee

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No Exam Life Insurance Quick Facts

​Pro's

​No exam life insurance gives you the ability to get covered super fast at very affordable rates.  You no longer have to wait 30 days for an answer and can get an instant approval.

​Con's

Monthly premiums are slightly higher since the insurance company is going to give you instant life insurance with no exam. We do a premium comparison below. 

​Who Is It For

​Buying life insurance without a medical exam is best ​for people who don’t want to deal with ​a medical exam or long waiting periods and who are in ​good health.

Our service is free, so how do we make a living?

We’re a licensed insurance agency, so we get paid either commission or advertising fees by the insurance companies for each referral or sale.

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We’ll be happy to tell you.

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​Why Use Us?​

  • Get an instant no exam insurance quote comparison online.
  • ​Your personal information isn't needed to get term life insurance quotes with no medical exam. ​
  • There is no need to wait three months to get an approval, find out today.
  • No need to deal with an agent and miss out on no physical life insurance savings.

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​So, What Is ​No Exam Life Insurance​?

As we like to say, "In Plain English," no exam life insurance is simply, life insurance with no medical exam and no waiting period for approval.  As the name implies, no medical exam life insurance gives you the same benefits of a traditional life insurance policy, all without an exam.  You can choose coverage options from 2 years up to 20 years and coverage amounts from $50,000 to $1,000,000.

​How Does No Exam Life Insurance Work?

​Unlike traditional life insurance that will require an exam, getting approved for a no exam life insurance policy is going to be fast.

Since you will not be required to do an exam, you will get only one of two answers:

​Approved: You have been medically approved for the policy and can pay for it for immediate coverage.

Declined: You have not been medically approved ​for the policy and have to find coverage though ​another company.​

But here's the thing:"No Exam" doesn't mean "No Underwriting", you are still going to go through a real-time  underwriting that will include:

  • MIB Check - This is going to check to see if you have any history with past insurance companies or have applied for coverage recently. 
  • ​​MVR Check - This will be used to determine if you are a reckless or crazy driver.  Mainly looking for things like a DUI or DWI.
  • ​Prescription Check - This check will be used to make sure your statements match the prescriptions you take.

​​​These reports are used together to determine your ​insurability based on the guidelines given to the insurance company for what risk is acceptable and what risk isn't.​​

The no exam product that we have does this in "Real Time", so while you are completing your application it is running the checks in the background.​

By the time you complete the application you will already have an answer on if you have been approved or not.

It costs you nothing but 5 minutes to find out if you have been approved and you decide if you want to purchase the policy after you get an answer.

How ​Long Does It take to get covered?

The best thing about the no medical exam life insurance policy we are offering is that you can have coverage in as little as 5 minutes.  

This is completely 100% different from what traditional life insurance policies can offer because of real-time underwriting.

Even though the time for approval with policies that require an exam have become much lower it is still is no where near as fast as 5 minutes for an approval.

​What Type Of ​No Exam Life Insurance Quotes Do You Offer?​

​Simply Insurance offers a wide variety of affordable ​no exam life ​quotes online.

  • ​2 Year Term
  • ​10 Year Term
  • ​20 Ye​ar Term

Real Time Underwriting For No Exam Term Life Insurance 

Real time underwriting, also known as accelerated underwriting, is a new process that gives the insurance company the ability to determine your insurability while you are completing  your life insurance application. 

This means there are two types of no medical exam life insurance, Simplified Issue and No Exam, luckily for us, our no exam product is both.

It does this by accessing some of your information through a few databases such as  your Motor Vehicle Report, your Prescription Drug Report, and your MIB report. 

As you answer your questions on your application, the information is matched against the above reports and a final decision is made by the time you complete the application; there is no life insurance underwriting process that is faster.

Simplified Issue Life Insurance has unlocked a whole new type of sub industry inside the life insurance space by mixing tech with life insurance, so if you have been holding off on life insurance because of the long process, or you are dealing with life insurance and divorce, then this is the best product for you. 

It really is simple enough not to need any widgets or a life insurance calculator to make an informed purchasing decision and guess what, you don't need a checking account or savings account to purchase coverage, you can use your credit card.

The only thing about this policy is that it currently doesn't have any living benefits attached to it, but that could change very soon.

The 2 year term life insurance no medical exam option is very new 

It was created to give people the ability to purchase fast and affordable life insurance without hassle for:

  • ​​Freelancers, Entrepreneurs or ​Side Hustlers
  • ​College Students
  • ​Procrastinators That End Up Not Taking Action
  • ​​​Stay At Home ​Parents
  • Young Adults That Need Life Insurance
no exam life insurance

What Does No Medical Life Insurance Cover?

​Like a traditional term life insurance policy, a no exam life insurance policy covers the same thing and the payout is another form of a lump sum payment, once it's paid out to your beneficiary they can use it to pay for anything.

Here is a list of a few things you can do with a life insurance payout:

  • ​​Pay Off Your Mortgage
  • ​​Get rid of your car note
  • ​​Clear credit card debt
  • ​Cover Kids College Expenses
  • ​Pay Taxes
  • ​Pay Daily Living Expenses
  • ​Use As Income Replacement
  • ​Invest (Here are 30+ Ways To Invest)
  • ​Cover Child Care Expenses
  • ​Pay final expenses of the insured

Can You Get No Exam Life Insurance For SBA Loan

One unique feature with our term insurance is that we allow our customers to get life insurance for business loans and no medical exam is required.

This process is known as a collateral assignment of beneficiary and allows the company giving you the loan to be named as the beneficiary of the policy for as long it is in-force. 

Usually when obtaining an SBA Loan, you might be required to obtain life insurance to cover the total amount of the loan in case you pass away before it is paid off. 

You will still go through the process of answering health questions and a review of your medical history, so the policy doesn't change as far as the insurance basics and of course doesn't require a physical exam. 

This makes our company one of the best no medical exam life insurance companies. 

Life Insurance No Medical Exam rates by age

If you are looking for the best life insurance no medical exam rates based on your current age then check out some of our quick life insurance no medical exam sample rates below:

Best Life insurance No Exam Rates For Men (Sample Rates)


Age


$100,000


$250,000


$500,000


$1,000,000


20 Years Old


$10.00


$15.00


$25.00


$47.00


25 Years Old


$10.00


$15.00


$25.00


$48.00


30 Years Old


$10.00


$16.00


$26.00


$49.00


35 Years Old


$12.00


$18.00


$33.00


$55.00


40 Years Old


$14.00


$24.00


$43.00


$82.00


44 Years Old


$17.00


$32.00


$60.00


$118.00

*Rates are based on a 20 Year Term Policy - Non-tobacco Male with a preferred health rating and up to $1,000,000 in death benefits.

Best life insurance No Exam rates For Women (Sample Rates)


Age


$100,000


$250,000


$500,000


$1,000,000


20 Years Old


$8.00


$11.00


$18.00


$32.00


25 Years Old


$8.00


$11.00


$18.00


$33.00


30 Years Old


$9.00


$13.00


$20.00


$38.00


35 Years Old


$10.00


$15.00


$24.00


$44.00


40 Years Old


$12.00


$20.00


$34.00


$64.00


44 Years Old


$15.00


$26.00


$47.00


$90.00

*Rates are based on a 20 Year Term Policy - Non-tobacco Female with a preferred health rating  and up to $1,000,000 in death benefits.

The Biggest Myth About The Cost Of Life Insurance No Exam  

The biggest myth about the cost of life insurance is that it's too expensive.  

A recent study from LIMRA found that 63% of people said they wouldn't get life insurance coverage because of its cost.

However, the same study found that ​life insurance policy quotes are 80% than what people thought they were.  

Don't hold back, it is more affordable to buy term life insurance online with no exam than you think.

Some people also think that universal life insurance is more affordable than no exam term insurance plans, but this isn't the truth either.

Didn't think you could get cheap no exam life insurance? Guess Again

How Much No Exam Life Insurance Do You Need?

Most insurance companies allow you to purchase up to 30x your annual income, but we recommend that you have at the least 10x your annual income in no exam life insurance.

So if you make $50,000 / year, a policy for $500,000 would be our suggestion. 

Just remember to buy life insurance that you can afford.

If the no medical life insurance premium of 10x your annual income is too expensive for you, go down to 5x your income, just make sure you can cover your beneficiaries life insurance needs.

When you are looking at any of our no medical life insurance quotes you can always start off with the lowest term length for the maximum amount of coverage.

No Medical Exam Life Insurance Comparison Chart

We have a no medical exam life insurance comparison chart below.  You will find the list to be short for now since there are only a hand full of "True" No Exam life insurance companies.


Company


Medical Exam?


Approval Time?


*$250,000 Quote


Coverage Amounts

bestow life insurance logo

5 OUT OF 5


No 


Less Than 5 Minutes


$16.00/month


$50,000 - $1,000,000

life insurance no medical exam

4.5 OUT OF 5


No 


Less Than 20 Minutes


$19.00/month


$50,000 - $1,000,000

4 OUT OF 5


No 


Less Than 10 Minutes


$35.20/month


$25,000 - $250,000

*Rates are based on a 33 year old non-smoking male in excellent health looking for a 20 Year Term


Exam vs a No Exam Life Insurance Policy

There are two types of term life insurance, Exam and No exam term life insurance.  From our experience, no exam life insurance quotes will always be a bit more expensive than life insurance that requires an exam.  

This trend is changing however, in some cases the no exam product is more affordable than the no exam product.  As you see below, going with the no exam option to avoid the overall time cost is probably well worth it.

Below are real life examples of the premium differences between the two products:

Exam Life Insurance
(Life Insurance With Medical Exam)


Gender: Male
Age: 33
Health Rate: Preferred 
Smoker: No 
Length of Coverage: 20 Years 
Coverage Amount: $250,000 


Monthly Life Insurance Rate: $14.05
*Plan Rates And Options Provided By Haven Life

No Exam Life Insurance
(Life Insurance Without Medical Exam)


Gender: Male
Age: 33
Health Rate: Preferred 
Smoker: No 
Length of Coverage: 20 Years 
Coverage Amount: $250,000 


Monthly Life Insurance Rate: $16.00
*Plan Rates And Options Provided By ​Bestow


No Exam Life Insurance Coverage vs Guaranteed Issue Life Insurance

There is often a bit of confusion with the differences between no medical exam term life insurance and guaranteed issue life insurance.

However, these two products are a completely different type of life insurance and comparing them is like comparing an Orange to an Apple. 

Guaranteed Issue Life Insurance is usually a type of permanent life insurance policy with guaranteed acceptance, this means the policy won't be medically underwritten so you won't have to answer any health questions.

A guaranteed issue policy also won't require any type of medical examination or medical records either. 

They usually focused on people between the ages of 50 to 85 and like any whole life insurance policy they will build cash value. 

Usually this benefit can be found in Final Expense or Burial Insurance policies specifically for people that might have major medical issues that won't allow them to get approved for additional coverage. 

At this moment I haven't found any insurance companies that offer a guaranteed issue term life insurance policy and most of them won't cover you if you are currently in a nursing home. 

No Exam means you will still go through underwriting; however, you won't be required to complete an exam; below are real life examples of the premium differences between the two products:

Guaranteed Issue Life Insurance
(Graded Death Benefit)


Gender: Male
Age: 50
Health Rate: Graded
Smoker: No 
Length of Coverage: Lifetime 
Coverage Amount: $50,000 


Monthly Life Insurance Rate: $71.05
*Plan Rates And Options Provided By Protective Life

No Exam Life Insurance
(Life Insurance Without Medical Exam)


Gender: Male
Age: 50
Health Rate: Standard
Smoker: No 
Length of Coverage: 10 Years 
Coverage Amount: $50,000 


Monthly Life Insurance Rate: $18.00
*Plan Rates And Options Provided By ​Bestow

​Compare No ​Medical life insurance costs to other monthly expenses

Did you think we wouldn't call you out on your spending habits?

​Monthly Cost

Buying Shoes

$250.00

​Daily ​Coffee

$​116.00

Cell Phone Bill

$73.00

Wine Clubs

$50.00

​No Exam Life Insurance

$30.00

*Life Insurance Rates are Based on a 20 Year $250,000 Term Policy for a 33 Year Old Male

​Can I get ​No Exam life insurance online?

If you are looking to shop for no exam life insurance online, then you have come to right place.

We have made it easy to apply for life insurance online with no medical exam through some of the most technologically innovative insurance carriers and companies in the nation.

Our ​partners make buying no exam life insurance online incredibly easy and affordable with instant term life quotes and ​instant approvals.

​You won't find another product and company that will make your insurance coverage a priority.

​With our no exam term life plan you can get covered super fast and spend more time on other things you care about.

Don't be shy, get some life insurance no medical exam quotes today to get covered for your loved ones with our A rated Carriers through AM Best without agents calling you.

No Exam Life Insurance Companies In More Detail

bestow life insurance logo

About Bestow Life Insurance

Bestow is the newest entrant into the life insurance world but is backed by North American Company for Life and Health Insurance.

North American has been around for over 100 years and was founded in 1886, and as of today North American holds an A+ (Superior) rating with A. M. Best.

Bestow believes that great life insurance should be affordable, convenient, and smart.

And every bit as straightforward as buying any other gift for your family.

Product Features

  • Available for ages 21 through 55
  • Coverage amounts from $50,000 to $1,000,000
  • Not Yet available in GA & NY
  • No physical exam life insurance
  • Tobacco & Non Tobacco Rates
  • E-Signature & Simple Application Process
  • No Waiting Period
  • Accelerated Underwriting
  • 2 Year Term Option Available

Riders & Options

No additional riders or options are available on this policy yet such as the accelerated death benefits, term life conversion option, or accidental death benefit rider.

Simply Insurance Thinks

Bestow is the most affordable simplified issue, no exam life insurance product.  They have a very easy online application and the process doesn't require an agent.  We are seeing clients go from application to approval within 5 minutes; Bestow is the best life insurance product in this space by far.


life insurance no medical exam

About Sagicor Life Insurance

Sagicor Life Insurance Company (Sagicor) is a full-service life insurance company that helps clients make wise financial decisions today to ensure that they're protected tomorrow.

They  are licensed in 45 states plus the District of Columbia.

Sagicor is rated "A-" (Excellent) by A.M. Best Company (4th best out of 16 possible ratings).

They are a wholly-owned subsidiary of Sagicor Financial Corporation Limited, which has been around for over 175 years.

Sagicor is committed to offering customers world-class service with integrity and value.

Product Features

  • Available for ages 18 through 65
  • Coverage amounts from $50,000 to $1,000,000
  • Only Available in 23 states
  • Tobacco & Non Tobacco Rates
  • E-Signature
  • No Waiting Period
  • Accelerated Underwriting

Optional Added Coverage

Waiver Of Premium - Waives the premium payment if the primary insured becomes totally disabled. 

Accidental Death - Pays out an additional amount of coverage if death is caused by an accident.

Children Term Rider - Term Life Insurance coverage for your kids that will last until they are 25 or get married.

Simply Insurance Thinks

Sagicor was the pioneer of the accelerated underwriting and has started offering their products to customers under the SagicorNow name.   They have usually been the second most affordable option and the second fastest option for approvals.  We are seeing clients go from application to approval from 20 minutes up to 1 business day.


About AAA Life Insurance

In 1969, AAA Life Insurance Company became a part of AAA, offering life insurance and annuity products.

Headquartered in Livonia, Michigan, AAA Life is owned by several of the largest entities in the AAA organization.

With over 1,300,000 active policies, many customers have relied on AAA Life to help provide financial protection for those they care about.

AAA Life Insurance Company has an A.M. Best rating of A (Excellent) as of August 2018.

This reflects their financial strength and positive outlook for the future. 

Product Features

  • Available for ages 18 through 75
  • Coverage amounts from $25,000 to $250,000
  • 25 & 30 Year Term Options Available
  • Not Available in NY
  • Tobacco & Non Tobacco Rates
  • E-Signature
  • No Waiting Period
  • Accelerated Underwriting

Optional Added Coverage

Accidental Death - Pays out an additional amount of coverage if death is caused by an accident.

Children Term Rider - Up to $20,000 in Term Life Insurance coverage for your kids. 

Simply Insurance Thinks

AAA Life insurance has a very fast process and a few added benefits for people that are already members such as "Waiving the Annual Fee".  However, they have the highest rates and their coverage amount is limited to only $250,000.  We are seeing clients go from application to approval within 10 to 15 minutes.


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