Check rates from State Farm and similar carriers
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State Farm. State Farm offers some no-exam policies, but older shoppers with pre-existing conditions may pay higher premiums.
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No Medical Exam*
Brighthouse Financial. Brighthouse Financial's SimplySelect policy allows qualified shoppers to fast-track their coverage without sacrificing affordability.
Prudential. Prudential provides competitive rates, especially for seniors and people with common medical conditions like asthma, depression, and fibromyalgia.
Transamerica. Transamerica offers affordable rates for every age group, former smokers, and people with common health conditions. You may even avoid the medical exam.
Pacific Life. Pacific Life is a good option for people with heavier builds, sleep apnea, and anxiety or depression looking for affordable term life plans.
No Medical Exam*
Lincoln Financial Group
Lincoln Financial Group. Lincoln Financial Group offers speedy underwriting and competitive prices with its TermAccel plan, even for older shoppers who qualify.
*Prices calculated by finding the average premium per month for a $250K, 20-year term life insurance policy for a 35-year-old male non-smoker across 1) all states, and 2) preferred, preferred plus, and standard underwriting classes. Issuance of a policy without a medical exam is subject to product availability and your eligibility, and may depend upon your truthful answers to a health questionnaire. Individual rates will vary as specific circumstances will affect each customer's rate. Rate illustration valid as of 6/7/2021.