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Number Of Families Quoted Since January 2017: 10,350

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

  • Up To $500,000 With No Exam 
  • Get An instant approval in 5 minutes
  • 2 Year Term Life Insurance Option
  • Secure and Simple online Application
  • Skip The ​Exam, No Blood Tests
  • No Pushy Sales Calls
  • No Waiting Around
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Simply Insurance, Insurance  Life, Atlanta, GA

The simplest way to get life insurance with no medical exam online

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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.

no exam life insurance

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​Why Use Us?

  • Get an instant ​no exam life insurance quote comparison
  • 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 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. 

life insurance no medical exam

​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 Underwritting", 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.  If you say you don't have a specific condition, but are taking medication for it, the insurance company will know.

​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 Year Term ​

​The 2 year term life insurance options is very new and was created to give people the ability to purchase coverage fast and affordable with​out hassle and is ​a great option for: 

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

​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 (Sample Rates)


​10 Year Term

​20 Year Term































*Rates are based on a 33 Year old non-tobacco ​male with a preferred health rating. 

The Biggest Myth About The Cost Of 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.

80 %
Of People Overestimate Life Insurance Costs.

Didn't think you could get cheap life insurance?  Guess Again!

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

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

When we think about no exam life insurance, for the most part, we are talking about leaving your family in a great financial space if something were to happen to you, however, what about if you are single?

Here at Simply Insurance, we believe that everyone needs some type of term life insurance.  There will still be expenses for your burial and any remaining debts or bills.  Someone is going to have to bury you, and you probably don't want to put that burden on your parents or distant relatives.  It's fairly affordable to get a term life insurance policy with a decently sized death benefit.

​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 somes 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:  $​16.66

Plan Rates and Options Provided by Bestow

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.

term life insurance quotes online

​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.

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 Starbucks Venti Caffe Latte


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

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 is 30+ Ways To Invest)
  • Cover Child Care Expenses
  • Pay final expenses of the insured

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.

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.

term insurance quotes

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