15°C New York
July 25, 2024
No Exam Life Insurance

No Exam Life Insurance

Aug 22, 2022

No exam life insurance is a great option if you don’t enjoy intrusive physical exams!

Medical exams aren’t needed to qualify for cheap insurance. each whole and term insurance no medical checkup policies square measure accessible on the market these days.

These insurance policies square measure typically additionally spoken as no physical insurance, no health test insurance, and no medical insurance policies.

Use the links below to urge to the subject you wish to be told additional concerning quickly! or simply keep scrolling to be told all you wish to grasp concerning no test insurance policies. Wanna buy SoundCloud plays?? Socialgreg will do that for you! 

Types of No test insurance

How much does life insurance cost?

13 Best No test insurance firms

Best Niche No test firms

How Much will No test insurance Cost?

Common Application Mistakes

How to Qualify for a Policy

What is the Waiting amount on a No test Policy?

Best thanks to Get Coverage

Who No test insurance is Best For

Advantages of No test insurance

Drawbacks of No test insurance

Types of Insurance to Avoid the Needle!

Before we tend to go in the simplest no medical checkup insurance firms, it’s necessary to urge associate degree understanding of the various varieties of no medical insurance policies that square measure on the market.

Generally speaking, there square measure four main types:

Guaranteed Issue

Simplified Issue

Graded benefit

Final Expense Insurance

All of those policies, looking on the supplier, square measure offered in each whole insurance and term insurance policies.

How much will insurance cost?




ZIP code

Policy length

10 yrs15 yrs20 yrs25 yrs30 yrs35 yrs40 yrs

Coverage quantity



Monthly estimates for

Best health


Good health


Average health



on Policygenius

Guaranteed Issue

Guaranteed issue insurance policies square measure understood within the name, they’re bonded.

This means that policies will be secured by any individual, even those thought of to be uninsured. during this sort of insurance, no health queries square measure typically asked.

Usually, bonded issue policies supply anyplace from $5,000 to $25,000 in coverage and infrequently go more than this.

Most even have a 2-year waiting amount, which implies that if you expire inside the primary two years, your beneficiaries can solely receive some of your benefit.

These square measure the foremost pricey sort of no medical insurance policy attributable to the inherent risk related to candidates.

Underwriting is very fast, and coverage will be obtained inside 24-48 hours typically.

With some bonded acceptance insurance policies, no waiting amount is important. These policies square measure solely counseled for people that haven’t any alternative choices.

Guaranteed issue insurance carriers can typically have completely different waiting periods for approval looking on their underwriting method.

Guaranteed Issue insurance


Issued for anyone, even people that square measure uninsured

Coverage as fast as 24-48 hours

Waiting amount for death edges

Most expensive sort of no test insurance


$5,000 to $25,000 (more for a few companies)


Issued to anyone

Very fast coverage


Most expensive sort of no medical insurance

Simplified Issue

Simplified issue insurance policies square measure still no test insurance policies, however square measure a maximize from bonded issue policies in terms of the underwriting method.

Medical queries square measure asked, and background checks square measure done to assure that you just square measure WHO you say you’re, and therefore the company will properly assess risk.

Simplified issue insurance policies typically supply coverage up to $250,000, typically for people that square measure terribly healthy, bound insurance firms supply simplified issue policies up to $1,000,000 in coverage.

These policies square measure still costlier than ancient insurance policies, however less costly than bonded issue policies.

This type of no health test insurance is best for people that square measure in ok health to pass a medical exam while not being rated as high risk.

Simplified Issue Life Insurance


More difficult to qualify for than bonded issue

Health form asked to qualify

Background check administered to qualify

Coverage will take longer, 6-8 weeks+

Less expensive than bonded issue


Up to $250,000 (can be additional for a few companies)


Cheaper than bonded issue

Higher coverage amounts than bonded issue


Takes longer to get coverage than bonded issue

Graded Death Benefit

Graded benefit insurance offers death edges during a distinctive manner, that’s the same as bonded issue policies in some ways in which.

For this kind of no medical insurance policy, death edges square measure paid go in percentages.

For each year into your policy, your beneficiaries can receive the next portion of your benefit. Usually, there’s a 2-3 year amount before you’ll receive the total benefit.

Usually, hierarchic benefit policies high out at around $50,000 in coverage, with some firms providing higher coverage.

Typically, for a policy that has coverage for $50,000 insurance, no test policies will be terribly cheap with hierarchic edges.

Graded benefit insurance


Death benefit is just accessible in parts for 1st 2-3 years of policy, at that time 100% of benefit is paid out upon death

Less expensive than alternative no medical insurance choices

Asks similar queries and contains a background check like simplified issue


Up to $50,000 (sometimes additional sure companies)


Cheaper than simplified and bonded issue life assurance policies


Does not payout a similar as alternative no medical life assurance policies

Not suggested for those that ar terminally unwell or in poor health

Final Expense Insurance

Final expense insurance could be a style of no medical life assurance that has to be qualified for, kind of like simplified life assurance.

A series of queries are going to be asked, that determines whether or not or not you’ll qualify for coverage.

This type of no medical life assurance is supposed to hide final expenses related to dying like ceremonial expenses, and outstanding debts.

Final expense insurance policies typically provide coverage up to $50,000 to $100,000 reckoning on the insurance underwriter.

Usually, this sort of policy is obtainable by most corporations as whole life assurance while not medical exams.

Final Expense Life Insurance


Same underwriting method as simplified issue

Meant to hide final expenses like a ceremonial, outstanding debts, etc…


$5,000 to $50,000 (sometimes additional sure companies)


Affordable compared to alternative sorts of no medical life assurance

Quicker coverage than simplified issue life assurance


Does not specifically cowl final expenses, beneficiaries select however death edges ar used

How To Get Life Insurance With No Medical Exam

Today, there ar varied sorts of life assurance coverage on the market.

Depending on the kind and therefore the quantity of coverage being applied for, further because the age of the person, a medical insurance test is also needed for policy underwriting functions.

Recently, however, varied new policy choices are developed – some that have modified the life assurance qualification method.

Easy Applications & Fast Approvals

To speed up the time in underwriting, further on scale back underwriting prices, several top-rated life insurers have opted to forgo the often-required insurance test on term life policies that have death edges of up to $1,000,000.

These straightforward “no test life assurance policies” will give a simple application method, beside convenience and quick approval. And, in several instances, these policies is also handily applied for over the phonephone or on-line.

This speedier underwriting often results in instant approval of qualifying candidates – permitting you to get coverage among mere minutes instead of the inconvenience of getting to attend for weeks or perhaps months.

Such policies give a full and immediate benefit and ar still totally underwritten by the provision nondepository financial institution. this implies that in several cases the total quantity of benefit are going to be paid upon the death of the insured while not a waiting amount.

Phone Interview

One of the foremost important elements of the appliance method goes to be the phone interview. each nondepository financial institution is completely different, however the bulk of insurance interviews ar progressing to last around AN hour.

The nondepository financial institution goes to raise you dozens and dozens of various questions about your current health and your case history. they’re progressing to get the maximum amount health info as they’ll, while not requiring you to require the physical.

During the interview, they’re progressing to raise if you’ve ever been diagnosed with any severe medical conditions, like cardiovascular disease, diabetes, any sexually transmitted diseases, and far additional.

The goal of the phone interview is to urge a concept of what proportion risk you’re to insure. The additional risk that you just ar (the worse that your health is) then, the additional that they’re progressing to charge you for your insurance protection.

Medical Records

Aside from the phone interview, and therefore the barrage of queries, the nondepository financial institution is additionally progressing to consider a number of your records to present a concept of what proportion they must charge you for your coverage.

They will pull your prescription history for the last 5 years. they’re conjointly progressing to review your Medical info Bureau records which will show any results of medical tests that you’ve taken within the past.

This will provide the nondepository financial institution a concept of what your health has been within the past and would possibly reveal any important conditions or health issues that you’ve had within the past.

Because you’re not needed to require a medical, the corporate won’t get a current read of your health, however they’re going to see any results from the past.

While most candidates don’t are aware of it, the nondepository financial institution is additionally progressing to review your driving records.

If you have got any DUIs, accidents, or rushing tickets on your record, then you’re progressing to pay additional for your amount of money versus somebody that doesn’t have those marks on their records.

InsuranceScored has “Scored” these life assurance product to assist you create the simplest call in protective you and your darling ones.

13 Best No test life assurance corporations

Here ar the highest thirteen suppliers of no medical life assurance in 2020:

Haven Life

Mutual of Omaha




American National

North American

Fidelity Life





American Amicable

To determine our list of the 13 best companies, we looked at 3 key components to each company:

Affordability – Many no health exam life insurance companies are very expensive when compared to traditional life insurance requiring a complete medical exam. The most weighted item in our “score” is affordability compared to the rest of the market. Cheap life insurance without medical examination can be hard to come by, so we had that in mind when putting together this list.

Reliability – How long have they been around? How are their financials? Are there any issues paying claims?

Convenience – How time-consuming is it to apply? How long does it take to get approved?

It’s important to preface this by saying there isn’t one company that nails all the key components listed above.

Being consumer advocates, we weighted affordability the most since all the companies ranked are reliable…they wouldn’t make our list if they weren’t financially strong!

As you’re going through our list of top 13 best no medical exam life insurance companies, it’s important to note that we didn’t put the companies in any special order based on quality or price.

We recognize you have unique life insurance needs and different health characteristics. We discovered there is no true “overall #1 life insurance company.”

The companies we have reviewed are all excellent in their own regards and we are confident they will be an excellent solution for your insurance needs.

Now that we have taken a brief look at the 13 Best Life Insurance Companies, let’s take a more in-depth look at the companies themselves, the coverage they provide, and how to find the best coverage for them.


1. Haven Life

Haven Life is definitely one of the most unique no exam life insurance companies in the marketplace.

The professionals at Haven Life recognize how busy you are and they want to make the process as fast and smooth as possible.

In addition, Haven Life has very competitive rates for term life insurance without a medical examination.

What are the advantages of Haven Life no medical life insurance?

What makes Haven Life stand out is how much coverage you can buy without having to speak to an agent on the phone or in person.

Haven Life was created when their co-founder, Yaron Ben-Zvi, tried to buy a life insurance policy online and it took several weeks to get approved for coverage.

He was frustrated and knew there must be a better way to get life insurance quotes, no medical questions required. Thankfully, there is now!

One interesting note about Haven Life is they are backed and owned by MassMutual. You’re probably familiar with MassMutual, as they’ve been selling insurance for over 160 years.

How can I get no medical life insurance quotes from Haven Life?

Haven Life’s application process can easily be completed online in minutes. Depending on your age and health, you may be eligible to purchase as much as $1 million in life insurance online without having to take the medical exam.

This is the highest amount of life insurance with no physical that can be obtained on the market today.

What does Haven Life offer for no physical life insurance?

Haven Life is one of the few companies in the market who offer $1 million no exam life insurance policies.

Haven Life offers term insurance to applicants up to 65.

Please note: your age will determine how much life insurance you can conveniently purchase online. They only offer $1 million no medical life insurance policies to those who qualify based on age and health.

Is Haven Life the best no exam life insurance company?

Haven Life hasn’t been around as long other companies on our list, but they have some excellent ratings.

From the highly respected A.M. Best life insurance ratings company, they proudly have an A++ rating.

They also offer very cheap life insurance without medical exams, when compared to the competition.

We suggest you use our easy form below to give you a quick quote

Does Haven Life offer any policy riders?

Yes, Haven Life offers the following riders that can be added to your policy:

Accelerated Death Benefit

Disability Waiver of Premium

Conversion Option


2. Mutual of Omaha Life Insurance

What are the advantages of Mutual of Omaha life insurance?

Mutual of Omaha is one of the most recognizable life insurance companies on this list, but most applicants don’t realize that they also have great no medical exam policies as well.

They also have an outstanding A+ from A.M. Best life insurance ratings company which makes them a great company to work with.

What does Mutual of Omaha offer for no medical exam term life insurance?

Like most companies on this list, they offer two main options for a no medical exam insurance plan, a term plan and a whole life insurance policy.

With their term life set up, they provide coverage to anyone between the ages of thirty – seventy four and you’ll be able to take over to $100,000 price of protection.

Update: Get quick life assurance quotes from Mutual of Omaha and a dozen different extremely rated companies! Click here to ascertain your rates!

What will Mutual of Omaha provide for no medical examination whole life insurance?

Their whole life selection may be a bit a lot of restricted on the provision.

If you’re between forty five – eighty five, then you’ll be able to qualify for one amongst their plans, however you’ll be able to solely purchase $10,000 price of coverage.

They market this policy as “Our simple Way” policy, attributable to however straightforward and fast it’s to urge approved.

Depending on your scenario, this might be a decent whole life assurance policy for you.

Does Mutual of Omaha provide any policy riders?

Yes, Mutual of Omaha offers the subsequent policy riders:

Accidental Death

Disability financial gain

Waiver of Premium


3. Transamerica life assurance

Transamerica is one amongst the oldest corporations on our list of prime no medical examination life assurance corporations, being based in 1928, they need years of expertise operating with all sorts of consumers.

They still hold a wonderful A+ rating from A.M. Best and have virtually no major complaints from their customers.

Is Transamerica the simplest No Physical life assurance Company?

Because of their continued  outstanding ratings, we predict that Transamerica must always get on the list of initial places to appear for a no medical examination life assurance policy.

What will Transamerica provide for No Health communication Term Life Insurance?

Transamerica offers many totally different choices always insurance with no physical needed.

One of the foremost standard decisions is their straightforward Term life assurance policy, that solely needs that you simply answer some inquiries to have life assurance coverage.

With their straightforward Term set up, you’ll be able to get term life assurance while not health check coverage from $25,000 to $100,000 and as long as you’re between the ages of 18-64, you qualify for sum of money.

Does Transamerica provide Whole life assurance while not Medical Exams?

Their different choice may be a permanent life assurance set up, that is their secured Security Life.

The most notable advantage of this set up is that it’s secured acceptance, which implies that you’ll get be approved, in spite of your health or any pre-existing condition.

If you’re between forty five – eighty, then you’ll be able to get an idea for up to $20,000 of protection.

No medical examination and no medical queries. Rates ne’er modification for the lifetime of your policy. secured protection!

With these policies, the primary 2 years area unit about to have restricted advantages, however when those 2 years, the set up can give you full coverage.

It ought to be noted that Transamerica is one amongst the better-guaranteed issue life assurance carriers in terms of affordability.

Does Transamerica provide any policy riders?

Yes, Transamerica offers the subsequent policy riders that may be more to your plan:

Accidental Indemnity

Waiver of Premium


4. Sagicor life assurance

Sagicor life assurance may be a company that maybe you are doing not acknowledge their name.

However, Sagicor fully should be enclosed on your list once researching the highest life assurance suppliers providing no medical examination policies.

Sagicor includes a well-earned name for underwriting expertness, competitive evaluation and diverse no medical examination policy choices for each term life and universal life assurance.

They conjointly hold a rating of A- from A.M. Best life assurance Ratings company.

Is Sagicor the simplest No Medical life assurance Company?

They have one amongst the quickest underwriting processes within the trade, with a number of the foremost cheap life assurance rates within the marketplace.

Want some a lot of smart news? Policy approval choices area unit usually created in days, not weeks or perhaps months with some carriers!

For easy life assurance coverage, low-cost life assurance while not medical exams, and life assurance with no health queries, Sagicor positively makes it one amongst the simplest no communication life assurance corporations.

Does Sagicor provide Term life assurance while not Medical Exams?

They offer life assurance coverage protection starting from $25,000 to $1,000,000 reckoning on your health and age.

Whether you have got a family to shield with a $250,000 policy or a business partner to insure for a $1 million policy, Sagicor Life may be a standard selection once seeking a no communication life assurance policy.

Sagicor No medical examination life assurance is extremely Quick!

One common question folks searching for no medical examination life assurance have is: how briskly am i able to get life insurance? If speed is your objective, then Sagicor Life is your answer.

They provide a super-fast application and underwriting method that helps you and your lover secure protection currently and not 3 months down the road.

Completing AN application takes but half-hour – handily over the phonephone whereas sipping your morning cup of occasional.

Sagicor offers simple life assurance coverage and low-cost life assurance while not a health check.

Does Sagicor provide any policy riders?

Yes, Sagicor offers the subsequent life assurance policy riders:

Nursing Home Confinement

Conversion choice

Accelerated benefit


5. Phoenix Life life assurance

Quick Tip: you’ll be able to get instant quotes for Phoenix by filling out the moment quote kind on the facet.

What will Phoenix No Medical life assurance ought to Offer?

Phoenix’s shark repellent Term specific permits you to induce up to $500,000 of coverage inside days.

When it involves life assurance while not exams, Phoenix is one in every of the fastest and best life assurance suppliers to figure with.

Phoenix Life is exclusive in this it offers living edges. which means you’ll be able to access up to ninety fifth of your entire benefit if you have got any of the following:

Heart Attack



Renal Failure

Major transplant


These important unwellness edges give families peace of mind and that’s why Phoenix Life could be a extremely popular option to contemplate once scrutiny no examination and bonded issue life assurance carriers.

What area unit the Cons of Phoenix No examination Life Insurance?

The draw back to the current company is that they area unit a “B” rated carrier by A.M. Best. which suggests there’s a “fair” ability to satisfy their current insurance obligations.

We’ve researched them thorough and area unit snug recommending them.

Another draw back is worth – you’ll be paying quite a conventional life assurance policy for these value-added edges.

If you’re willing to pay a touch additional for these edges, InsuranceScored believe’s Phoenix life could be a nice company to figure with.

If you’re searching for low-cost life assurance while not medical exams, this may not be your best option.

Does Phoenix provide any policy riders?

Yes, Phoenix life assurance offers the subsequent policy riders:

Terminal unwellness

Critical unwellness

Chronic unwellness


6. yank National (ANICO) life assurance

Quick Tip: you’ll be able to get instant quotes for yank National by filling out the moment quote kind on the facet.

What will yank National No Physical examination life assurance ought to Offer?

American National’s signature term life assurance while not health check offers up to $250,000 of coverage while not associate examination.

Approval could also be completed inside 3 business days; typically even identical day and their term life assurance rates area unit terribly competitive.

Is yank National the most effective No Physical examination life assurance Company?

If you consider the speed of issue and also the truth you’ll be able to complete the appliance in one swoop along with your agent, it’s a good alternative.

Also, they’re obtainable in the big apple once most no-exam carriers aren’t approved there.

American National is one in every of the few carriers that provide life assurance with no waiting amount.

American National has associate “A” rating by AMBest and has been around since 1905. It’s a reliable and stable company.

Does yank National provide any policy riders?

Yes, yank National offers life assurance policy riders:

Living edges

Waiver of Premium

Conversion choice


7. North yank Company life assurance

Established in 1886, North yank Life isn’t unaccustomed the insurance market. In fact, they need over $13 billion in total assets.

They hold glorious ratings from all of the third-party systems as well as associate A from the extremely regarded A.M. Best ratings company.

If you’re searching for a stable company with an extended track-record, look no additional.

What will North yank No examination life assurance ought to Offer?

Through North America’s LifeVue policy, you’ll be able to get immediate life assurance coverage with no examination and no waiting periods in one straightforward call.

Their LifeVue term life assurance set up permits anyone from the age of 18-60 rise to $500,000 of life assurance.

The LifeVue whole life assurance set up will get you identical coverage if you’re between 50-80.

Does North yank provide any policy riders?

North yank offers the subsequent life assurance policy riders:

Living edges

Waiver of Premium

Conversion choice


8. Fidelity Life life assurance

Just like the remainder of firms|the businesses} on our thirteen best no examination insurance companies, Fidelity Life has glorious money stability.

They have attained a powerful A+ rating from A.M. Best.

Fidelity Life has one in every of the foremost distinctive histories of the list that we’ve compiled.

Fidelity Life was established in 1896 as “Mystic employees of the planet,” that was a fraternal society that needed to present money protection to the geographic area and Northern states.

They later expanded  their business, continuing to grow, and eventually created the shift to Fidelity Life.

What will Fidelity Life provide Whole life assurance while not Medical Exams?

They have 2 completely different choices for no medical life assurance coverage, every of them has completely different benefits.

Fidelity strictly offers no communicating term insurance.

They offer each a fast call specific No examination insurance and fast call Senior Term insurance.

The first one that we are going to verify is that the fast call specific policy. you’ll be able to get one among these policies in lengths of ten, 15, 20, and 30-year terms.

With one among the Fidelity plans, you’ll be able to have amount of money till age ninety five, and you’ll be able to be approved in as very little as twenty four hours.

What will Fidelity Term insurance have to be compelled to Offer?

The other choice is that the fast call Senior Term insurance, as you’ll be able to guess from these policies, square measure|they’re} designed for older candidates that are searching for cheaper insurance premiums.

These plans can cowl candidates from ages fifty – seventy, and you’ll be able to get them in ten, 20, or 30-year lengths.

Depending on your would like, you’ll be able to get anyplace from $10,000 value of insurance to $150,000.

It’s necessary to notice that the payout from the arrange are reduced by five hundredth for the primary 2 years of the arrange, and at that time, it’ll come to a full 100% of the arrange.

Does Fidelity Life provide any policy riders?

Fidelity offers the subsequent insurance riders:

Accidental Death

Dependent kid


9. Gerber insurance

Gerber historically isn’t legendary for his or her insurance plans, however they must be one among the businesses that you simply contemplate once you’re buying insurance while not the examination.

As a corporation, they’re one among the foremost widely-known on our list. they need many choices forever amount of money that you simply ought to compare to confirm that you’re obtaining the simplest arrange.

Gerber Simplified Issue insurance

Gerber has 3 completely different choices, a no communicating term insurance arrange, a full life policy, and a warranted life arrange.

Both the term and whole life arrange ar a simplified issue, which implies that you’ll solely have to be compelled to answer a couple of insurance queries and you’ll be able to be approved for coverage in an exceedingly matter of days.

Gerber is one among the few warranted issue insurance carriers on our list.

Gerber warranted Issue No examination insurance

If you’re solely trying to urge a smaller insurance arrange, a warranted insurance arrange could be a nice choice for you.

With these plans, you’ll be able to purchase $5,000 to $25,000 value of protection for your family.

The application are often completed entirely on-line and accepted in an exceedingly matter of hours. As long as you’re between fifty and eighty, you’ll be able to get one among these plans.

Does Gerber Life provide any policy riders?

Yes, Gerber Life offers the subsequent insurance policy rider:

Cash Value


10. Assurity No examination Life

Assurity insurance Company holds Associate in Nursing A- rating from the A.M. Best ratings company.

Assurity has many distinctive advantage and downsides that different firms won’t be able to provide.

It’s necessary that you simply perceive all the various choices accessible to you as Assurity can be one among the simplest choices for your insurance wants.

What will Assurity No examination insurance have to be compelled to Offer?

One of the foremost notable edges of a no examination through Assurity is that you’ll be able to get additional insurance protection than you’ll be able to with different firms.

Assurity offers $350,000 of insurance, that is $100,000 quite most firms.

What ar the Cons of selecting Assurity No Medical Life Insurance?

One of the drawbacks of Assurity is that it’s progressing to take loads longer to urge through the medical underwriting.

After you apply for coverage, it’ll take around thirty days to urge approved. Their underwriting method is longer however far more lenient.

They aren’t the fastest, however they’re still one among the simplest firms that you simply will get a no examination through.

Does Assurity Life provide any policy riders?

Yes, Assurity offers the subsequent insurance policy riders:

Critical ill health

Conversion choice


11. Principal No examination Life

Principal insurance company has superior ratings from all of the various money rating firms, as well as Associate in Nursing A+ from A.M. Best, which implies they need a stable money outlook going forward.

Not solely ar they a stable company, however have used money analysis to craft a no examination choice that might be excellent for you and your family.

What will Principal Life No examination insurance have to be compelled to Offer?

They created the Principal Accelerated Underwriting program, that cuts down the length underwriting method right down to a pair of days or less.

Their intensive studies showed that around five hundredth of candidates had favorable health, that they determined eliminating the requirement for medical exams.

Through their program, anyone between the ages of 18- sixty will stand up to $1,000,000 value of insurance protection.

If you would like additional insurance than most firms provide, Principal goes to be one among the few accessible choices for you.

Does Principal provide any policy riders?

Yes, Principal offers the subsequent riders:

Accidental benefit

Conversion choice


12. Foresters money No medical checkup Life

Foresters has offered quality coverage for several years, however they need recently additional new no communication choices.

They presently hold associate degree A rating from A.M. Best insurance ratings company.

Aside from their ancient plans, they additional a “Your Term” no medical checkup choice in 2017 that has become one among the simplest choices on the insurance market.

What will Foresters money No Health communication insurance got to Offer?

Your Term plans have a wider age vary, 18 – 80, that is larger than most firms and you’ll get these plans in a very ten, 15, 20, 25, or 30-year term.

With Foresters, you’ll get $400,000 price of no communication term insurance. they need an extra accelerated benefit rider that you just will add.

What Makes Foresters one among the simplest No medical checkup insurance Companies?

One of the distinctive blessings of Foresters is that the Charity profit Provision that’s hooked up to their plans.

For no extra prices, Forester pays I Chronicles of the face worth to a registered charity that you just can denote after you get the policy.

Does Foresters provide any policy riders?

Foresters provide the subsequent insurance policy riders:

Accidental benefit

Dependent kid


13. American-Amicable No medical checkup Life

American-Amicable prides itself on being one among the primary insurance firms on the market, being based in 1910.

They presently hold a B++ rating from A.M. Best.

What will yank unthreatening No medical checkup insurance got to Offer?

Their Term created easy set up is one among the foremost widespread choices for no medical checkup coverage, and it can be one among the simplest choices for you.

Depending on your insurance desires, you’ll get $50,000 to $400,000 price of insurance in terms of ten, 15, 20, or 30-year term lengths.

As long as you’re between the ages of eighteen to seventy five after you apply, you’ll be qualified to get one among these plans while not having to bear the medical checkup.

Because of the late application age, yank unthreatening may be a nice company to seek out no medical checkup insurance for seniors.

Does American Amicable offer any policy riders?

American unthreatening offers the subsequent riders:

Accidental benefit

Total benefit

Waiver of Premium

Chronic sickness

AMERICAN unthreatening insurance COMPANY REVIEW

4 Best Niche insurance firms

There square measure varied no communication insurance merchandise on the market to you.

Sometimes the thirteen best insurance firms aren’t the simplest priced or won’t even take you as a result of a health complication.

Life insurance firms underwrite every risk otherwise. Some firms can verify risk additional favourably than different firms.

If you discover yourself obtaining costlier insurance quotes as a result of a health condition, scrutinize one or additional of the insurance carriers highlighted on this page.

1. five Star insurance Family Protection set up

If you’ve ne’er been declined forever insurance and square measure still able to work (you don’t got to be operating, simply able to work), all you’ve got to try and do is answer “no” to seven health queries.

Who is 5 Star No Medical Life Insurance Best For?

As long as you don’t have cancer, leukemia, recent stroke, attack, arteria coronaria sickness, surgical process, COPD, emphysema, HIV/AIDS, hepatitis, cirrhosis, drug issues, or are hospitalized within the last ninety days you’ll qualify for coverage.

What Does 5 Star No Medical Life Insurance Have to Offer?

5 Star solely goes to $150,000 of coverage and is secured level premiums to age one hundred. It’s written through the Health Depot association thus you get different advantages additionally.

You can get instant quotes by filling out the shape on the facet and checking out five Star within the list of firms.

Just check that you’re observing $150,000 or less as an alternative five Star won’t show up within the results.

2. Phoenix Life

I know we have a tendency to mentioned them on top of. However, we have a tendency to don’t name their tolerance for higher risks. They’re higher priced as a result of their living benefits…and conjointly their tolerance for higher risks.

You have to know that the best-priced firms usually have stricter underwriting tips.

Phoenix isn’t the most affordable, however it’s by no means the foremost expensive  either…which makes them an excellent alternative for those with some controlled health complications.

As long as your risk is in check, there’s a decent likelihood Phoenix can settle for you.

Note: if your risk isn’t in check, nobody can take you however a secured issue insurance company that we have a tendency to discuss in bigger detail below.


3. AIG secured Issue

AIG offers secured insurance with no medical checkup and no health queries.

What Does AIG No Medical Life Insurance Have to Offer?

Note: you will solely purchase up to $25,000 of coverage and there’s a 2-year waiting amount before complete advantages kick in: this can be referred to as the “graded” amount.

How am i able to Get No medical checkup insurance Coverage from AIG?

The application method is fast and straightforward over the phone. Signatures square measure completed via associate degree email electronically.

No paper, no pen. associate degree agent also can send you a paper application if you like additionally.

You have to be over fifty years previous to buy one in every of these plans. If you’re beneath age fifty, see below.

AIG life assurance COMPANY REVIEW

4. navigator Life

What Does Columbian Financial Group No Medical Life Insurance Have to Offer?

Not several agents or customers have detected of navigator Life. However, they need a secure issue product for those between the ages of 25-80.

The grievous bodily harm you’ll get between aged 25-45 is $10,000 of coverage. higher than age forty five you’ll get $25,000 of coverage.

This makes them one in every of the best-guaranteed issue life assurance carriers on our list.

Cons of navigator monetary cluster No Medical life assurance have to be compelled to Offer?

However, there’s a 3-year waiting amount on edges. Gerber and AIG solely have a 2-year waiting amount thus if you’re over the age of fifty, attend those carriers 1st.

Also, this is often a paper application. you want to to} mail the appliance back to your agent as they’ll need a wet signature.

Very niche carrier, however will facilitate those between ages twenty five and forty five that couldn’t otherwise qualify for coverage.


How Much Does No Physical Life Insurance Cost?

Let’s compare some no medical life assurance rates from firms like yankee National and Mutual of Omaha, to offer you Associate in Nursing understanding of what proportion no medical examination life assurance policies value.

No medical examination Term life assurance Rates

Note that each one of those policies area unit for somebody World Health Organization is within the regular health rating, seeking $100,000 in no medical examination life assurance coverage.






10 Yr



20 Yr



30 Yr




10 Yr



20 Yr



30 Yr




10 Yr



20 Yr



30 Yr




10 Yr



20 Yr



30 Yr



No medical examination Whole life assurance Rates

Note that each one of those policies area unit for somebody World Health Organization is within the regular health rating, trying to find a $50,000 life assurance policy with no test.






American National















Common life assurance Application Mistakes

Through the years, we’ve got seen a great deal of life assurance mistakes.

Because no medical examination insurance may be a distinctive form of coverage, it’s necessary that you just create the most effective choice for your insurance wants.

We tend to check constant mistakes, some including:

Not scrutiny firms

Paying an excessive amount of forever coverage

Settling for the primary company

Assuming you merely have one or 2 choices

We know that obtaining the most effective no medical examination life assurance is a confusing method, however it doesn’t have to be compelled to be.

We area unit here to assist you avoid these mistakes and acquire the most effective insurance protection for your family.

How To Qualify For No Medical Life Insurance Coverage

If you’re in glorious health, skip this section – you’ll qualify simply. If you’re observation any health issue (even elevated cholesterin or blood pressure), you’ll need to continue reading below.

Please scan and perceive this next purpose closely. No medical examination life assurance doesn’t mean there are not any medical queries.

It merely means that there’s no medical examination needed. No biopsy nor excretory product specimen needed.

Underwriting continues to be keen about your overall health. there’ll be medical queries asked throughout the applying method.

Each company goes to possess totally different underwriting pointers and settle for or reject your application supported those pointers.

Qualification for no medical life assurance relies on your answers on the life assurance company’s application and what several shoppers don’t recognize, it additionally depends on your:

Medical info Bureau (MIB) Report

Pharmacy Report

Motor Vehicle Report

Most no communicating carriers run all three of those reports once you submit AN application to verify the honesty of your answers.

With that aforementioned, several carriers of no communicating life assurance raise between 15-20 health queries on the applying, whereas others solely raise some.

Some common queries on this sort of policy application embody the following:

Have you been diagnosed with a terminal unhealthiness (with a prognosis of fewer than twenty four months to live)?

Do you smoke or use any form of tobacco?

Have you been diagnosed with HIV or AIDS?

Do you presently reside in a very long care facility or hospital?

What ar your height and weight?

Do you take any prescription medications? What for?

Any history of cancer, stroke or heart issues?

Any felonies, bankruptcies or unsafe activities?

You get the thought.

The point is you’re not aiming to sneak something through a no communicating life assurance application.

Some carriers won’t settle for you if you’re taking a pair of pressure meds and a sterol medication as a result of their underwriting pointers won’t enable it though you’re in nice health and have it in restraint.

Other firms can take you at their best health classification.

What is the Waiting Period on a No Exam Life Insurance Policy?

Most carriers place a 2-year waiting amount on no communicating life assurance plans. So, If you died within the initial 2 years once you purchased the arrange, then your family wouldn’t get paid from the insurance arrange.

Some firms can come your premiums if this happens, others won’t. It depends on the corporate.

If you wish to buy a no communicating policy, however you don’t wish to possess to attend 2 years for your policy to be fully force, there ar some insurance firms that provide life assurance while not the communicating, however won’t have the waiting amount.

These plans don’t seem to be quite common, and that they ar aiming to be costlier than an idea with a waiting amount.

Without the waiting amount clause connected to the arrange, the insurance firms ar aiming to wish extra money for the protection. Those plans ar riskier for them.

Why Do Life Insurance Companies Have Waiting Periods?

There ar many reasons that insurance firms place this waiting amount on the no communicating plans. the foremost common reasons that they place these restrictions on no communicating plans is to stay individuals from getting one among these policies then committing suicide.

Before the waiting periods were in situ, there have been a great deal of candidates would purchase a life assurance arrange right before they committed suicide. they might do that therefore their families would get the cash from the policy.

The other reason that the businesses have these waiting periods in situ is to offset all of the risks that they’re taking. counting on the no communicating arrange, the insurer might not be obtaining a large amount of data regarding the human.

Because there’s no health communicating needed, the insurer might not fathom any severe health complications that you simply could have. If you’ve got a significant ill health, and also the insurer doesn’t fathom it, the insurer might find yourself paying move into the primary year, which suggests they’re losing cash.

What is the Best Way to Get No Exam Life Insurance Coverage?

The best thanks to qualify for no communicating life assurance is to talk with AN freelance life assurance agent.

Be open and honest together with your agent regarding your health state of affairs and allow them to compare the underwriting pointers of all the no communicating life assurance and simplified issue life assurance carriers.

Remember, there’s forever AN choice. If you’re in terribly unhealthy health, there’s warranted issue life assurance carriers with no queries asked.

We mention them higher than with Gerber, AIG, and Columbian.

Who Is No Exam Life Insurance Best For?

There ar four main reasons why shoppers purchase no communicating life assurance (as critical ancient absolutely underwritten life insurance):

1. The convenience

Most simply wish the life assurance method to be through with quickly and their family protected while not having to leap through of these hoops and wait 4-8 weeks….and they’re willing to pay 10%-15% a lot of for fast and simple life assurance. They recognize they will cancel the policy after they have longer to lower their rates.

2. You don’t like obtaining cursed  a needle or pissing in a very cup

No one enjoys obtaining poked with a needle, however if you’re like several shoppers it is a deal breaker. No communicating life assurance makes it therefore those fearing the communicating will still get life assurance.

3. you would like coverage quick

With ancient underwriting time taking 4-8 weeks, you’ll take a no communicating life assurance policy and acquire coverage inside forty eight hours and typically an equivalent day. So, if you’re on the brink of proceed an enormous trip, your coverage terminated or irreligious or want coverage to secure a loan, no communicating life assurance may be a nice acceptable your state of affairs and may assist you secure cheap term life assurance with no health exams.

4. You haven’t seen a doctor in 2-5 years

If you haven’t seen a doctor in 2-5 years, you don’t recognize what’s aiming to happen on the medical. Your triglycerides, a1c levels, sterol or pressure may be problematic in securing cheap coverage.

Leave a Reply

Your email address will not be published. Required fields are marked *