Best Life Insurance No Medical Exams

Best Life Insurance No Medical Exams

Get a quote HERE

What is a No Med Exam Life Insurance?

If you’re looking for coverage fast and without the hassle of a medical exam or accessing your medical records, then a no exam life insurance policy may be right for you.

Just note that typically you’ll be paying a little more for this convenience.

So there is a bit of a trade-off.

The best no medical exam policy will depend on YOUR unique risk since each company has different underwriting guidelines.

You can buy a term life insurance policy for up to $250,000 with no blood tests or medical exams.

No matter how much life insurace you need, $50,000; $100,000; $150,000; $200,000; $250,000;, if you are a male or female, smoker or non-smoker, we can help you.

Save hassles and your privacy with a No Exams or Physical Life Insurance Policy.

If you are afraid of the doctor and hate physical exams, this is the term policy for you.

Maybe you do not want to disclose that you are an occasional recreational drug user (pot, marijuana, etc.), but this is your life insurance for you.


This type of life insurance is often called “guaranteed acceptance” because pretty much everyone is guaranteed coverage.

How Does No Med Exam Life Insurance work? Best Life Insurance No Medical Exams


All you have to do is answer a few medical questions.

If you pass those questions you’ll be able to get the insurance without taking any physical exam.

The companies will verify that your answers are accurate and then you’ll be insured. Pretty simple.


You Should Consider No Medical & Simplified Issue Life Insurance

  • You have some health problems
  • You’re hard to insure
  • You have a dangerous job or dangerous hobbies
  • You don’t like needles or medical exams
  • You just want your coverage fast

Medical marijuana is a non-issue. 

The legalization of medical and recreational marijuana in several states is causing major changes in how life insurance companies rate and cover applicants.

While ratings and premiums vary among insurance companies, overall there is a strong trend toward not rating marijuana users—whether medical or recreational—the same way as they do cigarette smokers.

This is great news for marijuana users, since insurance rates for smokers basically double or even triple the cost of life insurance.

As one noteworthy example, Prudential Life Insurance Company now regards marijuana, especially prescription-based, as the same as any other type of medication.

Their ratings are based on a person’s underlying health condition rather than this, or another, treatment course. 

The key point to remember is that life insurance companies are looking at a given health condition, not the medication used to treat the condition.

This means that, especially with marijuana-friendly life insurance companies, you could conceivably use marijuana without it impacting your ability to obtain great ratings by life insurance carriers.

However, keep in mind that not disclosing marijuana use that turns up in a urine sample you’re required to supply will usually cause a decline in rating. 


Best Life Insurance No Medical Exams – Age

Don’t make the mistake of thinking that once you’re past a certain age, you can no longer get affordable life insurance.

Regulators have revised life-expectancy projections — known as mortality tables — for the first time since 1980. A man who is 40 years old today can expect to live to be 78, not 73, as was the expectation 25 years ago. Because of this, an 80-year-old male can get a 10-year term policy and an 85-year-old can still get a fully underwritten whole life policy.

As we get older we experience more medical issues.

Anyone over 50 or someone with known medical issues can work through an experienced agent to handle their life insurance needs.

This agent will contact underwriters of multiple insurance companies to discuss the nuances of your particular application before applying in order to avoid the client being declined or adversely rated in the MIB.

This agent-driven process also allows for insurance companies to compete against each other to get the best rate.

An independent agent or brokerage can also best ensure flexibility and customized service.

Policyholders leveraging life insurance plan benefits while still alive. 

Today’s New Living Benefits riders enable you to use your life insurance policies while you are alive.

For example, the accelerated death benefit rider allows you to use up to 75 percent of your coverage amount if you have a terminal illness.

The chronic illness rider allows you to use up to 90 percent of the policy’s death benefit if you are unable to perform two of the six daily living requirements of bathing, continence, dressing, eating, toileting, and transferring.

This is very similar to a Long Term Care Policy.

Companies leading the way for living benefits riders are Transamerica and Protective Life Insurance. 

There is also a critical illness rider which allows you to use up to 90 percent of the death benefit of your policy if you suffered a critical health condition such as cancer, heart attack, stroke, a major organ transplant, end-stage renal failure, ALS, blindness, or paralysis of two or more limbs.

Life insurance companies realize people are living longer.

This is good news for everyone.

No longer are great benefits only for the young or for those willing to pay high premiums and jump through multiple hoops.

The insurance industry has listened and has responded to the needs of the consumer in order to streamline the application process and deliver benefits that make sense.

Now not only can you get life insurance at any age, but you can also enjoy those benefits during your lifetime. It doesn’t get much better than that.

Using life insurance to fund long-term care is a great idea for some, though an estate planner can advise regarding the best solution based on personalized needs. Accelerated death benefits, chronic illness riders, and critical illness riders are outstanding considerations and should be discussed.

No Medical Life Insurance x Fully Underwritten Policy Process Time

Applying for a fully underwritten policy means taking time out of your day to meet with a nurse for a medical exam, blood & urine sample collection, and in-depth questionnaires.

There are often follow-up questions and requirements that come up as the insurance company’s underwriter reviews everything.

Of course, this isn’t the end of the world, but if you’re extremely busy and can’t find the time for things like regular haircuts and teeth cleanings, then maybe a streamlined process is a better fit.

This really becomes a matter of personal preference for most people.

What is the cost of No Medical Life Insurance? Best Life Insurance No Medical Exams

If you’re young and healthy and only need up to $500K in coverage, then no medical exam life insurance is often not much more expensive than fully underwritten.

It can actually be a better value when you consider the included living benefits of most policies.

On the other hand, if you’re older and have a few health issues, then it will typically cost substantially more than the same amount of fully underwritten coverage. Each situation is different so we always compare options during a consultation.

How do I get started to apply for No Medical Life Insurance?

Get your free quote here:

Call us at 813-964-7100