No Medical Exam Life Insurance

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What is No Medical Exam Life Insurance?

No medical exam life insurance is a life insurance policy that lets you skip the medical exam during the application process. Most life insurance policies require a medical exam during the application process. The medical exam is used to assess applicants’ health and risk levels, and to determine the rate for each applicant. However there are a few types of life insurance that allow you to skip the medical exam.

Young, healthy applicants may qualify for a type of term life insurance called accelerated underwriting, which we will discuss in detail below. Accelerated underwriting offers the same affordable rates on term life insurance that many many young families require without the hassle of the medical exam.

Older applicants concerned with covering end-of-life expenses may qualify for guaranteed life insurance or final expense insurance. These are two types of permanent life insurance, typically sold for smaller coverage amounts, that usually don’t require a medical exam from senior applicants.

How It Works

  1. Accelerated underwriting is a type of term life insurance with no medical exam requirement. It covers you for a set term—usually 10, 20 or 30 years
  2. Insurers use third-party data such as your driving record, prior medical records, etc to assess your risk level. This information substitutes for the medical exam usually required in the life insurance underwriting process
  3. The policyholder makes monthly or annual payments, or “premiums,” to keep the policy in force
  4. If the policyholder dies while the policy is in force, a lump sum called a “death benefit” will be paid out to the beneficiaries named in the policy. The larger this coverage amount, the more the premiums will cost

Best Life Insurance Companies for No Medical Exam Policies

Not all life insurance companies offer no medical exam or accelerated underwriting policies. Here are some of the best companies that do, with ratings from JD Power, Better Business Bureau, and A.M. Best.

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CompanyBBB RatingA.M. Best RatingJD Power RatingCompany ReviewsQuotes
Principal FinancialA+A+774Read moreGet quotes
Mutual of OmahaA+A+766Read moreGet quotes
Lincoln FinancialA+A+744Read moreGet quotes
Banner LifeA+A+N/ARead moreGet quotes
Minessota LifeA+A+N/ARead moreGet quotes


Riders are additions or modifications to a life insurance policy that give the policyholder either flexibility or extra coverage options. Availability varies by carrier, but you may want to consider these common riders along with a no medical exam insurance policy:

Acceleration of death benefit rider

In the event you become terminally ill, this acceleration rider will allow you to access part or all of the death benefit cash, and use it to pay for certain expenses like medical care. A terminal prognosis usually means being diagnosed with 12 months to live, but can be 24 months in some states.

Disability income rider

Provides monthly payments to replace your income if you become disabled or unable to work. This acts the same way as disability insurance, so some shoppers choose to add it as a rider to their life insurance and avoid buying a second policy to protect against disability.

Term conversion rider

Allows you to convert a term life insurance policy to a permanent, or whole life insurance policy at the end of the term. This is a common rider in term life insurance policies.

Other Types of Term Life Insurance

Offers you a money-back guarantee on your term life insurance: If you outlive the policy, the premiums you have paid over the life of the policy will be returned to you.

Mortgage life insurance is intended to pay for your home if you die during the course of the policy. This insurance mirrors the amount you owe on your mortgage, which declines over time. Usually offered at 15 and 30 years, the death benefit declines gradually and expires when you pay off your loan.

A more basic version of term life insurance than return of premium insurance. Level term acts exactly the same way as return of premium life insurance, except it doesn’t return the money you’ve paid in premiums at the end of the term. Premiums are therefore cheaper throughout the policy term.

Learn More About Term Life Insurance

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