No Exam Life Insurance Companies

Finding life insurance can sometimes feel like navigating a maze. For many, the idea of having to undergo a medical exam is enough to put them off the whole process.

Fortunately, no exam life insurance companies offer a simpler, more convenient approach. These policies allow you to secure coverage without the need for a medical exam, making the process quicker and less invasive.

Whether you’re busy, privacy-conscious, or have health concerns, no exam life insurance might be the perfect solution.

Guide to No Exam Life Insurance Companies

Quick Review

No exam life insurance companies offer policies that do not require applicants to undergo a medical examination as part of the underwriting process.

These companies typically use alternative methods, such as health questionnaires, prescription history, and other data sources, to assess an applicant's risk and determine eligibility and premiums.

This type of insurance is often appealing to individuals who want a quicker and more convenient application process or who may have health issues that could complicate traditional underwriting. However, premiums for no exam policies can be higher compared to those requiring a medical exam, due to the increased risk taken on by the insurer.

No Exam Life Insurance Companies

Comparison shopping is essential when looking for no exam life insurance. It's important to weigh the pros and cons of different providers to find the best rates and coverage options.

Companies like Quility (SBLI), Globe Life, and Mutual of Omaha (guarantee issue) policies, provide diverse offerings tailored to meet various needs without requiring a medical exam.

Quility offers perhaps the fastest no exam life insurance coverage available. Providing instant issue term life insurance to qualified individuals between 18-65 years of age, you may choose up tp $1,000,000 of coverage, apply online, and get approved in as little as 5 minutes.

Quility (Underwritten by SBLI)

Instant Issue Term Life Insurance is revolutionizing how people secure their future. With no medical exam required, you can apply online and get approved in as little as 5 minutes.

This type of insurance, underwritten by SBLI, which has been rated A- Excellent for financial strength, allows you to buy up to $1,000,000 in coverage and start immediately.

Established in 1907, SBLI has a long history of reliability.

Applying is quick and easy — just click the link to start your application. Get covered fast and protect your loved ones without the wait.

Globe Life offers simplified issue life insurance that can be conveniently applied for online. They're geared towards making the entire process straightforward and hassle-free. 

Globe Life Insurance

Get FREE Information On How $1* Can Buy Up To $100,000 Globe Life Insurance For Adults Or Children

• No Medical Exam – Simple Application.
• No Waiting Period. Buy Direct.
• Rates As Low As $3.49 Per Month.
• The Globe Life Family Of Companies Has Nearly 17 Million Policies In Force.
• No Phone Required. No Credit Required.
• The Globe Life Family Of Companies Has Over $224 Billion Of Coverage In Force.
• Globe Life Is Rated A (Excellent) By A.M. Best Company As Of August 2023.

Mutual of Omaha’s guaranteed issue policies are known for their flexibility. They offer a range of coverage amounts and are particularly popular for their easy application process. Even those with a complicated medical history could find suitable options without the added stress of a medical exam.

Guaranteed Issue Life Insurance

Mutual of Omaha

Mutual of Omaha offers guaranteed acceptance whole life insurance for people age 45 to 85. Choose $2,000 up to $25,000 of coverage. Rates start as low as $8.84 per month. There’s no medical exam and no health questions. You cannot be turned down. You can get a quote and apply online now. START HERE to get a FREE Quote.

• Your life insurance policy comes with a 30 day Risk-Free, Money-Back Guarantee

Reasons to Buy No Exam Life Insurance

No exam life insurance companies eliminate the need for a medical exam, catering to a wide range of needs.

For instance, someone who’s time-constrained like a busy professional can skip the doctor’s visit and get insured more quickly.

Similarly, people with health issues or those who are health-averse will find no-exam policies attractive for their ease of application and potential for quick approval.

Quick Coverage

One aspect that attracts many to no exam life insurance policies is the speed of approval.

With companies like Quility and JRC Insurance Group offering fast quotes and nearly immediate coverage, you can go from application to coverage often in less than a week.

This is especially valuable if you find yourself in urgent need of life insurance.

Privacy a Key Factor

Privacy is another key factor driving people towards no exam life insurance.

Many individuals prefer not to disclose their medical history.

The streamlined, online application process minimizes the personal information needed, providing peace of mind for privacy-conscious individuals.

Health Issues

While many worry about their health affecting their ability to get insurance, it's worth noting that no exam life insurance policies are designed to be more inclusive. While the premiums might be slightly higher than traditional policies, you are often still eligible for substantial coverage amounts even with pre-existing conditions.

Note: If you have serious health issues or have been turned down, guaranteed acceptance life insurance may be an option to consider.

Life Insurance Statistics

According to LIMRA, about 30% of Americans believe they wouldn’t qualify for life insurance due to health problems. However, no exam life insurance policies open the door for these individuals, providing them with crucial coverage that might otherwise be inaccessible.

Easy to Understand

For younger adults or first-time buyers, the straightforward nature of no exam policies can be particularly appealing. The ease of understanding and applying for these policies helps demystify life insurance, making it more approachable and less daunting.

Consider Your Budget

Financially, no exam life insurance can fit within various budgets. While the premiums are typically higher than traditional policies, the benefits of instant coverage and no need for a medical exam often outweigh the additional cost for many. Plus, you lock in peace of mind without the weeks-long underwriting process.

Coverage Amounts Available

A common concern is whether no exam policies offer the same level of coverage as traditional policies. While the coverage amount might be lower, many providers offer policies that cover up to $1,000,000 or more, which can still provide substantial financial security for your loved ones.

Age Requirements

Simplified issue life insurance and guaranteed acceptance policies make it easier to buy insurance at almost any age.

Most no exam life insurance companies provide options for individuals between 18-65 (simplified issue) and even for seniors aged 45-85 (guaranteed issue), ensuring there’s coverage available for a wide swath of the population.

Financial Strength Ratings

When evaluating no exam life insurance companies, consider their financial strength ratings. A.M. Best provides ratings that reflect the financial stability and reliability of insurance providers. Top-rated companies with an A- Excellent rating or better assure you that your policy will be honored and that your beneficiaries will receive the benefits.

Free Look Period

One noteworthy feature is the free look period. Many companies offer a 30-day period wherein you can review your policy, and if you're not satisfied, you can cancel it for a full refund. This consumer-friendly option adds another layer of security to your investment.

Request a FREE Quote

To get started, request no exam life insurance quotes online. Most companies provide easy-to-use online forms that allow you to get fast, free quotes. This initial step helps you compare options and find a policy that fits your needs and budget without making a firm commitment.

Application Process

Once you've compared quotes and selected a provider, the application process is quick and streamlined. Many companies use online platforms where you can complete the entire application process in minutes. Approval can be almost immediate, and in no time, you’ll have the life insurance coverage you need.

Summary

No exam life insurance companies offer a lifeline for those seeking quick, convenient, and inclusive coverage. Whether driven by time constraints, health concerns, or a desire for privacy, you can find suitable policies that meet your needs.

Begin by comparing options and requesting free quotes online to secure the right policy for you. For additional peace of mind, choose a company with a strong financial strength rating and take advantage of the free look period to ensure you’ve made the best choice.

No Exam Life Insurance Quotes

Top Pick – JRC Insurance Group

JRC Insurance Group helps you shop, compare and save on life insurance. Regardless of your age or health background, we'll shop our 63 top life insurance companies and find you affordable life insurance you need to protect your family and fit your budget. 

JRC Insurance offersup to $2,000,000 of life insurance with no medical examrequired.

You can get approval for your insurance policy in as little as 10 minutes to 2 days. JRC offers no exam life insurance for diabetics, too.

JRC offers some of the best rates on life insurance policies without any health exams required.

You can compare and choose from $25,000 to $2,000,000 of no exam life insurance coverage from several leading life insurance carriers through JRC Insurance Group. 

Compare No Exam Life Insurance Quotes