In order for an insurance company to adequately evaluate your health, most will require their applicants to undergo a medical exam.  Despite the fact that no medical exam life insurance is available without having to undergo a medical exam, insurance companies can still utilize medical underwriting to get a proper view of an applicant’s health, which means that they will evaluate your past medical history.

If the life insurance that you’re applying for requires a medical exam, you’ll be able to schedule this exam with a medical professional, free of charge, and usually, it’s done in your office or home.


no medical exam life insurance


With these results, the insurance company is able to confirm the presence of certain medical conditions, such as hypertension, heart disease, or diabetes.  The knowledge acquired from this process helps the insurer to decide whether your application is approved and if so, how much your premiums will cost.

While there are many reasons to purchase a no medical exam life insurance policy, this form of insurance offers convenience and a shorter approval process.  If you currently have a good medical history and are in good health, you could most likely receive coverage for a great price and rather quickly at that.


You have Four Options for No Medical Exam Underwriting


Many of the life insurance companies on the market today offer no medical exam life insurance policies.  However, a different strategy is used in gathering your medical information depending on the underwriting process used by the provider.

The underwriter uses this information to determine your health classification.  The following explains the different underwriting processes that are typically used.


Accelerated Underwriting
For those applicants that are considered to be healthy, this form of underwriting is the best choice. Companies that offer accelerated underwriting do not feel the need to invest in medical exams for their applicants.

Only certain insurance companies offer this underwriting as an option, and these policies are the most competitively priced compared to others on the market.

Simplified Issue
These types of life insurance policies are perfect for those in average to excellent health. In fact, if you’re in excellent health with little to no medical history, you’ll most likely be approved immediately.

However, if your medical history includes some chronic or serious illnesses, the insurance company may require a medical report from the physicians that you’ve seen recently and in the past. If the provider is unable to get access to your medical records, then a medical exam may be required.

Express Issue
With instant issue or express issue life insurance policies, typically the insurer either denies or approves your application quickly. In some circumstances, the underwriter evaluates your application in order to make a final decision, which may push the approval time to 24 hours.

The cost for express issue policies is the same for everyone, without taking health into consideration. However, there are some insurance companies that will decline the application due to your past or current health conditions.

Group Term
Purchasing a whole life or group term policy usually necessitates answering a few questions about your health. Providers of this type of policy only require that you not need full-time medical care or are not living in a medical facility.

Group term life insurance policies resemble group policies provided by an employer, and you will need to join an association in order to be eligible for these products.

Generally, and depending on the provider, the group term application contains at least 7-12 health questions to answer. Furthermore, there is only one health classification, and the premium amounts usually increase every five years. Group term is a great option for those in poor health.


Our Top 5 Recommended No Exam Life Insurance Companies


The good news about no medical exam life insurance is that there are many companies competing for your business and as such, the rates are very competitive, even if you have some health issues.

The following is a brief list of our preferred carriers if you’re looking to purchase no medical exam term life insurance.  The insurance companies listed are in no particular order.



American National Life Insurance


American National Insurance Company offers a diversified array of financial products, such as life insurance, annuities, property and casualty, pension plans, accident and health, agribusiness, and other commercial financial products.  The company has earned an “A” (Excellent) rating from A.M. Best Rating Agency.



Assurity Life Insurance


Assurity’s LifeScape Non-Med (no medical exam) Term 350 plans can be purchased in 10, 15, 20, or 30-year policy terms, and is available for those ages 18 to 74 years.

The best possible solutions for those looking for affordable life insurance coverage are these term life options.  Sometimes an individual’s needs surpass the set budget with milestones like buying a new home, welcoming a new child into the family, and marriage, so you’ll want to ensure that you’re getting the most affordable option.



savings bank mutual life insurance SBLI


Savings Bank Life Insurance utilizes all health classes without a medical exam.  In fact, their rates are the same as fully underwritten life insurance, so if you’re wanting to forgo a medical exam, SBLI is a great company to consider.

Since SBLI offers coverage for all health classes, You will be able to save money and take advantage of your decent health.  Furthermore, the insurance company will approve some applicants with minor health concerns without a medical exam.

Luckily, the underwriting process is rather swift since most everything is done electronically.  Approvals may actually come back the same day.  If you’re an applicant requiring a review of medical records, the underwriting process may take up to 30 days to receive an answer.


principal life insurance

Offering a fantastic deviation within the no medical exam marketplace, Principal provides a traditional term life insurance policy, with a large number of applicants considered for accelerated underwriting.  However, this is only for Preferred levels and it does require excellent health.

If you’re eligible for the plan, you will be approved within two days electronically and will not need to pay extra.  The premiums for this plan are exactly the same as those receiving fully underwritten policies, including the need for submitted urine and blood samples.

Those applicants that do not meet the accelerated underwriting criteria might be asked to submit their physician’s records and possibly undergo a medical exam.



sagicor life insurance

Another major player in the no medical exam life insurance plan market is Sagicor.  Popular among the clients it serves, Sagicor has received an “A-” rating from A.M. Best Rating Agency for its quick approval times.

You will never be asked to submit your medical records and the underwriting process is completely digital.  Most applicants receive an approval within a few minutes.  It’s quite difficult to find anything faster!

Sagicor is one of the very few companies that reward you with a Preferred health class, which will save you money in the end and is certainly something to consider if you’re in excellent health.  Additionally, they will accept cases with some health issues.  Face value amounts go as high as $1 million, which is the highest for no medical exam life insurance coverage.


In Conclusion


Now that you know there are some great life insurance companies that won’t make you have a medical exam, the next step is to get a quote by clicking or tapping the “No Medical Exam Life Insurance” button on the right side of the page. If you prefer to speak with a licensed and reputable agent, just stop what you’re doing and send us a message or call us during normal business hours at (866) 691-0100.


Richard RichIn my 20+ years as an independent life and disability insurance broker, I have personally assisted thousands of clients with their life and disability insurance needs.  Being independent, I represent many highly-rated insurance companies and, because I am not beholden to any one insurance company, my focus is to find the right company and policy for each individual client.

I believe that when people shop for insurance (or anything else, for that matter) on the Internet, they are looking for a simple, non-intrusive, non-pressure method of doing so.  I strive to treat my prospective clients with the utmost respect and I believe an educated prospect can make the right decision without sales pressure.