​Get Super Fast No Exam Life Insurance Quotes​

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11,855 Families Quoted Since January 2017 

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As of 07/22/18

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No Exam 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 $500,000 In No Exam Coverage
  • ​Get An instant approval in 5 minutes
  • NO Exam & NO Waiting Period
  • ​Secure and Simple online Application
  • Skip The ​Exam, No Blood Tests
  • No Pushy Sales Calls
  • 2 Year Term Life Insurance Option
  • 30 Day Money Back Guarantee

​The simplest way to ​get ​life insurance

with no medical exam online

No personal information needed for your instant
​online no exam life insurance quote

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No Exam Life Insurance Quick Facts


​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.


​Monthly premiums are slightly higher since the insurance company ​is going to give you 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.

If you ever feel the need to know what commission we’d earn on any

of our insurance products, just ask us. 

We’ll be happy to tell you.

Click here for more faqs and information on how we are paid.

​Why Use Us?​

  • ​Get an instant ​no exam insurance life 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 ​coverage with no medical exam and no waiting period for approval.  So as the name implies, no medical exam life insurance ​gives you the same ​benefits of a traditional life insurance ​policy.  You can choose coverage options from 2 years up to 20 years and coverage amounts from $50,000 to $​500,000.

​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 simplified issue type of 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 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.  

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

The 2 year term life insurance options is very new

It was created to give people the ability to purchase coverage fast and affordable without hassle and is a great option for:

  • ​​Freelancers, Entrepreneurs or ​Side Hustlers
  • ​College Students
  • ​Procrastinators That End Up Not Taking Action
  • ​​​Stay At Home ​Parents
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

Life Insurance No Medical Exam rates by age

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

Best No Exam term life insurance rates For Men (Sample Rates)





20 Years Old




25 Years Old




30 Years Old




35 Years Old




40 Years Old




*Rates are based on a 20 Year Term Policy - Non-tobacco Male with a preferred health rating.

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





20 Years Old




25 Years Old




30 Years Old




35 Years Old




40 Years Old




*Rates are based on a 20 Year Term Policy - Non-tobacco Female with a preferred health rating.

​The Biggest Myth About
The Cost Of No Exam Life Insurance 

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.

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

​How Much 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 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.

Do I need a life insurance policy if I...

  • ​Single With No Dependents?
  • ​Have It Through An Employer?
  • ​Am not the breadwinner

If you aren't the breadwinner is very important for you to have life insurance.  The expenses associated with someone passing away don't change, and someone has to pay them.

Your spouse is going to be just as much of an emotional wreck and probably won't be going into work. 

If you have kids, they are going to need extra attention that the working spouse may need to obtain assistance with from a nanny or daycare. 

The expenses can add up and depending on the debt and salary of the breadwinner, your passing away without sufficient life insurance could create financial anarchy in your family.  It's really about the family so be sure to get a life quote.

Exam vs No Exam Life Insurance

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: $1​6.66
*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


​Daily ​Coffee


Cell Phone Bill


Wine Clubs


​No Exam Life Insurance


*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 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 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 with our A rated Carriers through AM Best without ​agents calling you.

​Get Affordable No Exam Life Insurance

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