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No-medical-exam life insurance

No-medical-exam life insurance skips the physical so you can get affordable life insurance faster.

Headshot of Policygenius editor Nupur GambhirRebecca Shoenthal author photo

By

Nupur Gambhir

Nupur Gambhir

Life Insurance Expert

Nupur Gambhir is an insurance editor at Policygenius and licensed Life, Health, and Disability agent in New York.

&

Rebecca Shoenthal

Rebecca Shoenthal

Licensed Insurance Expert

Rebecca Shoenthal is an insurance editor and licensed Life, Health, and Disability agent at Policygenius in New York City. Previously, she worked as a nonfiction book editor. She has a B.A. in Media and Journalism from the University of North Carolina at Chapel Hill.

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Expert reviewed

This article has been reviewed by a licensed Policygenius expert to ensure that sources, statistics, and claims meet our standard for accurate and unbiased advice.

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by

Patrick Hanzel, CFP®

Patrick Hanzel, CFP®

CERTIFIED FINANCIAL PLANNER™ & Advanced Planning Team Lead

Patrick Hanzel is a CERTIFIED FINANCIAL PLANNER™ and Advanced Planning Team Lead at Policygenius.

Updated December 2, 2021|3 min read

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No-medical-exam life insurance uses your past health records instead of the traditional physical exam to assess your health and set your premiums. That means buying no-medical-exam life insurance can take as little as a couple of days, instead of the couple of months it might take to buy a traditional insurance policy. Because these types of policies are contactless, they've become more popular as people continue to practice social distancing.

We’ve got everything you need to find the right policy for you: up-to-date, expert information, reviews of best no-medical-exam life insurance companies, and hundreds of agents on standby to answer your questions. And because Policygenius is an independent brokerage, our agents can help you compare quotes for no-medical-exam policies across insurance carriers, so you can get the policy that’s the best fit for you — at the best price. 

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Types of no-medical-exam insurance

No-medical-exam insurance isn’t a type of insurance, per se, but rather a feature that a few different types of insurance offer. So you can get a term life policy (most common) or a whole life policy without a medical exam. Both kinds of policies are designed for people without serious medical issues: Instead of an exam, an underwriter uses your medical history, including previous labs, prescription history, and any past diagnoses, to set your premiums.

There are also two types of life insurance known as final expense insurance that don’t require a medical exam but offer low coverage amounts. These are designed for older people or those with serious health conditions who need assistance to cover end-of-life expenses:

  1. Guaranteed issue life insurance offers almost certain approval as long as you can afford the high premiums.

  2. Simplified issue life insurance offers slightly lower rates and higher coverage than guaranteed issue. With the latter, though, you could be disqualified if you require assisted care or have a more complex health history.

No-medical-exam life insurance: quick comparison

See how different types of no-med coverage compare to traditional life insurance.

Policy detailsTraditional term lifeNo-med term lifeTraditional whole lifeNo-med whole life
Cost$$$$$$
Waiting periodAverageFastAverageFast
Coverage$25,000 to $10 million$25,000 to $3 million$50,000 to $10 million$50,000 to $1 million
TermUp to 40 yearsUp to 40 yearsLifeLife
AgesUp to 80Up to 70Up to 80Up to 50

The best no-medical-exam life insurance companies

At Policygenius, we want affordable and robust coverage to be easy to find for everyone. To help you sift through the options, we review and rate companies, including those that offer no-medical-exam life insurance. We don't get paid for reviews and evaluate each company using rigorous, unbiased analysis to help you find the right insurer.

Best no-medical term life insurance companies

If you have minor health or lifestyle risks and want a speedy application process, we recommend no-exam term life insurance from two of our partner insurers: Brighthouse and Lincoln Financial. Both policies offer all the perks of a traditional term life insurance policy, including a competitive price, with way shorter waiting periods: one to three days instead of five to six weeks. 

→ Read more about our picks for the best no-medical-exam insurance companies 

How much does no-medical-exam life insurance cost?

The price of no-medical-exam life insurance varies based on the type of policy you buy. For term life insurance, a no-med policy generally costs about the same as a traditional policy. But for whole life insurance, no-medical-exam policies are much more expensive.

Type of policyCoverage amountTerm lengthMonthly premium
Guaranteed issue life insurance$25,000Life$79.94
Term no-medical-exam life insurance$500,00020 years$56.05

Rates are for a 45-year-old male nonsmoker in a Preferred health classification, buying a $25,000 guaranteed issue life insurance policy and a $500,000, 20-year no-medical-exam term life insurance policy. Information is based on quote averages of policies offered by Policygenius as of September 2021. Not all products are available in all states.

Who qualifies for no-medical-exam life insurance?

You should consider applying for no-medical-exam life insurance if: 

  • You’re in relatively good health

  • You want to skip the in-person medical exam due to the COVID-19 pandemic

  • You’re a young adult who smokes, with no other medical conditions

  • You’re middle-aged with moderate risk and don’t qualify for traditional life insurance

  • You’re a senior with health issues looking to cover burial expenses

  • You don’t have time to take a medical exam and need coverage quickly

How to buy no-medical-exam life insurance

If you find yourself saying "check, check, check" as you read the criteria above, a no-medical-exam policy might be the right fit for you. A licensed agent at Policygenius can answer your questions and compare quotes to ensure you get the right amount of coverage at the most competitive price.

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Frequently asked questions

Can you get life insurance without a medical exam?

Yes. You can purchase no-medical-exam life insurance, which evaluates your previous health records instead of requiring a medical exam.

How does no-medical-exam life insurance work?

Your insurer skips the traditional medical exam and instead relies on previous records to make an application decision. Some no-exam policies, like guaranteed issue life insurance, simply require that you pay your premiums to get coverage.

Should I get no-medical-exam life insurance?

If you are in good health, term no-medical- exam policies offer affordable coverage. Traditional term life insurance is more affordable and flexible than whole life insurance with no medical exam.

How much life insurance can you get without a medical exam?

You can get up to $3 million in term insurance coverage with no exam. Whole policies without the medical exam offer up to $40,000 in coverage.

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