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Can I Get Life Insurance With No Medical Exam?

no exam life insurance
Insurance Quotes 2 Day Team

Written By Doug Mitchell

Doug Mitchell, CLU holds a BA degree in Finance from Auburn University as well as having obtained a Chartered Life Underwriter (CLU) designation from The American College in Bryn Mahr, PA.  Doug has spent close to 30 years in the insurance and financial planning industry and has held licenses to sell securities, long-term care insurance, health.  Doug is also a financial blogger addressing the topics of life insurance, annuities and retirement income planning.

Holly Mitchell  &

Holly Mitchell’s background in life insurance insurance goes back to 1985 when she worked for her father who was a New York Life agent. Holly has a marketing degree from Auburn University and has had a life insurance license since 2008. In addition to advising life insurance for customers all around the country, Holly is our website fact checker.

Rob Pinner   &

Rob Pinner is the founder and CEO of Pinner Financial Services servicing all 50 states. Rob started his insurance career in 2002.

Louis LaBash

Results-driven and innovative life insurance professional with 30 plus years of life insurance industry sales and marketing experience. Recognized as a pioneer in the field, leveraging phone and internet channels to exceed personal sales of over $100 million during the first decade of the 21st century. Creator of a highly effective intuitive IUL life insurance sales software that facilitated the sale of millions of dollars of indexed universal policies by numerous life insurance agents. Proven track record as a Managing General Agent (MGA), Life Agent, IUL Life Insurance Sales Software developer, and leading-edge creator of insurance marketing tools, educational content, and delivery systems.

 6 minute read

Many of our life insurance companies offer life insurance with no need to complete a medical exam.

The amount of life insurance you can get without an exam varies from company to company.

The most life insurance you can purchase without an exam is $2,000,000.

Life insurance is one of the best investments that you’ll ever make for your loved ones. If something tragic were to happen to you, your family could be left with a massive amount of bills and other final expenses, which can make an already difficult situation a thousand times worse.

That’s where your life insurance plan comes in. Life insurance will give your family the money that they need to get through the difficult time without being stressed by a mountain of debt.

Most life insurance policies require a medical exam to assess the applicant’s present health condition and help determine the chances that this person will live a long and healthy life. We also have life insurance policies with no medical exam needed.

Still, there are different reasons for someone to want to avoid a health exam when purchasing life insurance coverage.

Some people need insurance quickly and don’t have time for an exam. Some dislike doctors visits and others have a condition that may prohibit them from obtaining a life insurance policy that requires a medical exam. For whatever reason, we can help you get a quality, affordable  life insurance policy without having to take a medical exam. 

Ogletree Financial has many carriers that offer no medical exam life insurance and can help you find a policy.

Myth – Life Insurance With No Medical Exam Is Very Expensive

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The main issue with “no exam” life insurance is that it can be more expensive than a policy that requires a full paramedical exam. 

When an insurance company insures a client without complete knowledge of their present health condition they bear a greater risk. Greater risk generally means increased premiums.

Insurers use an underwriting process to assess the many risks involved in insuring the life of a particular individual. Each insurance company has a unique underwriting process that weighs the various risk variables differently, including different policies concerning “no exam” coverage. Therefore, considering several insurance carriers is very important when purchasing “no exam” life insurance in order to find the company that is the best fit for you and your family.  We have the experience to make sure that you choose the correct company.

The prospects for getting quality life insurance coverage without a medical exam are not nearly as bleak as some people may think. There are some common misconceptions about applying for “no exam” life insurance coverage:

  •             Your coverage options will be too limited.
  •             You will have to pay large premiums for little coverage. 
  •             Your premiums will increase over the life of your policy. 
  •             The coverage available will only cover accidental death 

These misconceptions keep many from seeking life insurance coverage and the financial security and peace of mind it brings. Ogletree Financial Services can connect you with trusted insurers that are known for offering excellent “no exam” life insurance products that offer quality coverage at reasonable rates.

One use of a “no exam” insurance is common for people who are in good health but need to get a life insurance plan in place quickly. You don’t mind medical exams and you are not aware of any underlying health conditions that might keep you from obtaining a life insurance policy that requires a medical exam, but you need coverage fast. In this case, you can apply for a traditional policy requiring a medical exam and obtain a “no exam” policy while the traditional policy is being underwritten. The “no exam” policy will be approved quickly, allowing you to obtain the peace of mind having life insurance coverage brings. Once you have completed the application and underwriting process of the less expensive traditional policy, the “no exam” coverage can be dropped.

Use caution because a history of applying for and canceling life insurance coverage will make carriers apprehensive to approve you for a policy, but this is a good tactic to quickly get a life insurance policy in place without waiting for a lengthy underwriting process.

The article “Top 10 Best No Medical Exam Term Life Insurance Companies” assesses insurance carriers’ “no exam” coverage based on price, ease of use and company strength.  We have found that Assurity Life, American National, Sagicor, Transamerica and Fidelity Life are very easy to work with when shopping for non-med life insurance. 

Transamerica is noted for it’s A+ rating from  A.M. Best, it’s industry-leading record of customer satisfaction, and it’s “no exam” coverage with available “living benefits” riders for critical illness, chronic illness, terminal illness, and disability. Transamerica also offers low face value policies for seniors looking to cover final expenses.  Transamerica has 3 final expense policies that offer no exam life insurance for seniors.

Also according to this article, Fidelity Life’s hybrid term life insurance product puts this trusted company at the leading edge of “no exam” life insurance coverage. The usual underwriting time is 48 hours or less and “true” life insurance coverage begins as soon as the policy is in force. The “hybrid” means you are initially insured without a medical exam for coverage that is one-third traditional term insurance and two-thirds accidental death only. You then have six months to conduct the traditional underwriting process with a medical exam, and once approved, your entire policy will become traditional term coverage.

Sagicor is singled out as a superior no medical exam insurance carrier for their fast approval times and reasonable rates. The following sample quotes for “no exam” coverage from this highly rated company are based on a 50-year-old male with a preferred rate class:

Face Amount            10 Year          15 Year          20 Year

$100,000                   $25                 $29                 $42

$250,000                   $49                 $64                 $85

$400,000                   $74                 $100               $133

When purchasing life insurance coverage, those with special insurance needs such as coverage without a medical exam should make a point of shopping around to find the company that best suits your particular life insurance needs and personal circumstances.  This is especially important if you need to get a policy quickly and don’t have time for a medical exam or to shop around for the best deal. When you compare rates from several insurers, your savings can be as much as fifty percent or more.

Calculating Your Life Insurance Needs

Before you apply for a no medical exam life insurance plan, it’s important that you determine what your life insurance needs are. If you purchase a plan that is too small, your family could be left with additional expenses and have no money to pay for those bills. When you’re determining what your life insurance needs are, there are several different factors that you should account for to ensure that your family has the money that they need.

The first number that you should look at is your debts and other final expenses. The primary goal of your life insurance plan is to give them the money that they need to pay off those bills. Be sure to add up your mortgage payments, car loans, student loans, and any other bills that your loved ones would be responsible for. It’s important that you give them enough life insurance protection for your family.

Additionally, you should consider if you want to leave any life insurance money to charities or non-profit organizations. There are a lot of applicants that decide they want to leave a part of their life insurance plan to charities to help give back to the community. This is a great way to leave a legacy, but make sure to add that into your life insurance needs when deciding how big of a plan to buy.  

Working With An Independent Agent

The best way to ensure that you’re getting the lowest rates for your no medical exam policy is to work with an independent insurance agent. Every company is different, and all of them are going to calculate premiums differently. That means that you could get drastically different rates depending on which company that you get the quote from.

When you work with an independent insurance agent, they can provide you with the best plan to meet your needs. We can help you compare dozens of plans at once, saving you both time and money on your insurance plan. Don’t waste your time calling dozens of different insurance companies, let us do all of that work for you. We can help you find the best kind of life insurance that fits your needs.

You never know what’s going to happen tomorrow, which means that you shouldn’t wait any longer to get the insurance protection that your family deserves. Our advisors can make the process as quick and simple as possible. It’s our mission to ensure that you’ve got the plan to meet your needs.

If you have any questions about no medical exam plans, please contact us today. We would be happy to answer those questions and walk you through the application process.

Frequently asked Questions

Doesn't no medical exam life insurance cost more?

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The prospects for getting quality life insurance coverage without a medical exam are not nearly as bleak as some people may think. Ogletree Financial Services can connect you with trusted insurers that are known for offering excellent “no exam” life insurance products that offer quality coverage with very affordable rates.

Is there a limit on a life insurance purchase without a medical exam,

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The life insurance industry has gotten very competitive and insurers are now more willing to offer life insurance with no medical exam with higher limits than ever before. We represent insurers who are will to offerf $1 million dollar policies without a medical exam requirement.

With no medical exam required, how will the company know if I'm healthy?

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Insurance companies have other resources they use to learn about your health history. The two primary resources are the Medical Information Bureau and Script Check,

If I'm healthy, why would my insurance company require a medical exam?

A medical exam is one of several underwiting tools that insurance companies use to confirm your health risk for the company. The more they know, the better they can determine the appropiate rate class to use when calculating your premium.


author avatar
Doug Mitchell, CLU Independant Advisor
Doug Mitchell, CLU holds a BA degree in Finance from Auburn University as well as having obtained a Chartered Life Underwriter (CLU) designation from The American College in Bryn Mahr, PA. Doug has spent almost 30 years in the life insurance industry and has also held licenses to sell securities, long-term care insurance and home and auto insurance. Doug is a Top of the Table Million Dollar Round Table member (MDRT).  MDRT is a global, independent association of the world's leading life insurance advisors.  For two years, Doug served as President of the Auburn Opelika Association of Financial Advisors and has been a member of the Million Dollar Round Table. He obtained Life Millionaire status at Horace Mann Insurance Company and was awarded the Life Agent of the Year Award. Later in his career with New York Life he was an Executive Council Member. Doug currently serves as President of Ogletree Financial, a managing general agency serving life insurance agents and clients in all parts of the United States. Today, Doug’s main focus is servicing 1000s of policyholders and growing the agency through the reach of

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