Best No-Exam Life Insurance Companies

If you would like to purchase a life insurance policy but are afraid that your health complications will affect your application, worry not. While many policies require applicants to submit health screenings that include blood and urine samples, weight, blood pressure, and height, some don’t. The best no-exam life insurance companies offer your life coverage without an examination. Although this policy offers limited coverage at a higher premium, we have compiled some of the best affordable companies to make use of.

Best No-Exam Life Insurance Companies

What is No-Exam Life Insurance?

No-exam Life insurance is a type of insurance that does not require a life insurance medical examination to be approved. Instead, it follows a fast underwriting process to approve clients quickly. This type of insurance has two types, including the simplified issue and the guaranteed issue.

For the simplified-issue life insurance policy, you do not need to provide or undergo a medical exam, but questions about your health and base approval will still be asked. On the other hand, guaranteed-issue life insurance policies do not require health questions or exams. This means that you will be granted coverage if you are eligible.

Best No-Exam Life Insurance Companies

Here is a list and some short but detailed information on the best no-exam life insurance companies. If you are interested in learning more about these providers, you can do so in this section, so keep reading:

  • Country Financial.
  • AARP.
  • Nationwide.
  • Fidelity.
  • Bestow.
  • Mutual of Omaha.
  • TruStage.
  • Pacific Life.
  • Haven Life.
  • Brighthouse Financial.

Country Financial

One of the best no-exam life insurance companies is Country Financial. It is also suitable for those who would like to customize their quote. This means that if you are a life insurance rider, you can include both whole and term life quotes in your coverage. In the meantime, they offer different insurance products, but you cannot access their services in all states.


This is the perfect no-exam life insurance company for senior members. So, as a senior or older applicant, you can get coverage without undergoing an examination or being asked medical questions. And guess what? If you are 50 years of age or older, you can access the AARP membership. However, their term life insurance premium increases every 5 years.


Another recommended no-exam life insurance company is Nationwide. Furthermore, they provide a relatively wide age range for their no-exam life insurance company, and they are very easy to access. They also have a low volume of complaints and different riders and policy options to select from. But remember that not all their policies can be paid for online.


When it comes to accidental death coverage, Fidelity is the best pick. Moreover, it is a good option as you get older, have been denied coverage in the past, or have a serious health issue. You can enjoy different options for permanent no-exam coverage and accidental death benefits. Whole-life and final expense policies are no exception.


Bestow Life Insurance is also on the list of the best no-exam life insurance providers. A lot of clients like convenience and hassle-free application processes. This means that many just want to sit in the comfort of their homes and access the services they need. If you do, Bestow is a good pick. This is because they are perfect for online term policies. They are also quick when it comes to approval.

Mutual of Omaha

Mutual of Omaha is perfect if you seek accelerated or quick death benefits. They also offer term, indexed universal, who, and universal policies to customers. Moreover, if you are an optional rider, there are many options to pick from, and it is very easy to get a term life quote from Mutual of Omaha online.


TruStage is one of the best no-exam life insurance companies that I strongly recommend you check out. Besides, if you need fast coverage, they have got you covered. What’s more, they offer whole-life and term policies to interested clients. TruStage offers assured issues for life up to $100,000, and you do not need a medical exam to get a policy.

Pacific Life

Pacific Life has a maximum no-exam coverage amount of $3 million, and its median time for approval is 23 days. In addition to this, they also provide the lowest average no-exam rate among competitors.

Haven Life

Next, we have Haven Life. It is also one of the best no-exam life insurance companies, and they approve instantly. The median time for their no-exam application approval is 4 days after you have applied.

Brighthouse Financial

Lastly, among the best, we have Brighthouse Financial. They are very fast when it comes to approving on the same day, and they offer high no-exam coverage, amounting to $3 million. However, they have fewer term-length options, unlike other companies.

How To Shop for No-Medical Exam Life Insurance

If this is your first time looking to get no medical exam life insurance, I know it can be a hassle. But not to worry, here are some helpful tips you can implement when shopping for this type of insurance:

  • Understand your health.
  • Find out how much coverage you need.
  • Create a plan B.
  • Check for different insurance quotes.
  • Be frank.
  • Review the policy features.

You must find out the cost and the features of a particular policy. This will help you find out if the policy is worth it or not.