Getting life insurance doesn’t always have to involve blood tests, doctor visits, or long waiting periods. With no medical exam life insurance, you can get coverage quickly—sometimes within minutes.
If you’re searching for no medical exam life insurance in 2025, this guide will help you understand how it works, how much it costs, and whether it’s the right option for you.
What Is No Medical Exam Life Insurance?
No medical exam life insurance is a type of policy that allows you to get approved without a physical exam. Instead of medical tests, insurers evaluate you based on:
- Health questionnaires
- Prescription history
- Medical records (databases)
- Lifestyle factors
👉 Approval is faster, but premiums are usually higher.
Who Should Consider No Medical Exam Life Insurance?
This type of policy is ideal for people who:
- Need coverage quickly
- Have pre-existing health conditions
- Want to avoid medical exams
- Are seniors or busy professionals
- Have been denied traditional life insurance
Types of No Medical Exam Life Insurance
✅ Accelerated Underwriting
- Best rates among no-exam options
- Uses digital data instead of exams
- Fast approval (often same day)
✅ Simplified Issue Life Insurance
- No exam, limited health questions
- Moderate coverage amounts
- Higher cost than traditional policies
✅ Guaranteed Issue Life Insurance
- No exam, no health questions
- Approval guaranteed
- Highest cost & lower coverage limits
Average Cost of No Medical Exam Life Insurance (2025)
| Age | $250,000 Coverage (Term) |
|---|---|
| 30 | $35 – $60/month |
| 40 | $60 – $100/month |
| 50 | $120 – $220/month |
📌 Costs depend on age, health history, and policy type.
Pros and Cons of No Medical Exam Life Insurance
✅ Pros
✔ Fast approval
✔ No doctor visits
✔ Easy application
✔ Ideal for high-risk applicants
❌ Cons
✖ Higher premiums
✖ Lower coverage limits
✖ Fewer policy options
Best Companies Offering No Medical Exam Life Insurance
Some top providers in the USA include:
- Mutual of Omaha
- Haven Life
- Banner Life
- AIG
- Fidelity Life
👉 Rates vary widely—always compare multiple quotes.
No Medical Exam vs Traditional Life Insurance
| Feature | No Medical Exam | Traditional |
|---|---|---|
| Medical Exam | ❌ No | ✅ Yes |
| Approval Speed | Fast | Slow |
| Cost | Higher | Lower |
| Coverage Amount | Limited | Higher |
How to Get the Best No Medical Exam Life Insurance Rates
Follow these tips to save money:
✔ Apply while younger
✔ Be honest on application
✔ Compare multiple insurers
✔ Choose term life over whole life
✔ Avoid guaranteed issue unless necessary
Is No Medical Exam Life Insurance Worth It?
For many people, yes. If speed and convenience matter more than price, no medical exam life insurance can be a smart solution—especially if traditional policies aren’t an option.
Get No Medical Exam Life Insurance Quotes Today
Life insurance doesn’t have to be complicated or time-consuming.
👉 Comparing no medical exam life insurance quotes can help you find fast, affordable protection for your family.
Final Thoughts
No medical exam life insurance offers a simple way to get coverage when time or health is a concern. While it may cost more, the convenience and accessibility make it worth considering in 2025.