Don’t want to deal with a medical exam? You don’t have to. No-exam life insurance lets you get covered without blood draws, urine samples, or scheduling a nurse visit. Many policies can be approved in as little as 24 hours, making this the fastest path to protecting your family.
TermHero compares no-exam options from multiple carriers to find you the best rate – because even without an exam, prices vary significantly between companies.
Why Choose No-Exam Life Insurance?
Speed
Traditional life insurance can take 4-6 weeks for approval. No-exam policies can be approved in 24 hours to a few days.
Convenience
No scheduling a paramedical exam, no waiting for a nurse to come to your home or office, no fasting before blood work.
Privacy
Some people simply prefer not to undergo a medical exam. No-exam policies respect that preference while still providing meaningful coverage.
Available to More People
If you have health conditions that might complicate a traditional exam, no-exam and guaranteed acceptance policies provide a path to coverage.
Types of No-Exam Coverage
Accelerated Underwriting
Top-tier no-exam option. Carriers use data (prescription history, MIB records, credit) instead of an exam. Rates are close to traditional exam-based pricing. Best for healthy applicants under 50.
Simplified Issue
Answer a short health questionnaire (no exam). Slightly higher rates than traditional policies, but fast approval. Good for applicants with minor health concerns.
Guaranteed Acceptance
No health questions, no exam – you’re automatically approved. Coverage amounts are smaller ($5,000-$25,000) and there’s typically a 2-year waiting period for the full death benefit. Best for those who’ve been declined elsewhere.
No-Exam vs. Traditional Life Insurance
| Feature | No-Exam | Traditional (Exam) |
|---|---|---|
| Medical Exam | None | Required |
| Approval Speed | 24 hours – 1 week | 3-6 weeks |
| Rates | Slightly higher | Lowest available |
| Max Coverage | Up to $1-3M | Unlimited |
| Best For | Speed, convenience | Lowest possible rate |
For the healthiest applicants, a traditional exam-based policy will almost always offer the lowest rate. But for many people, the convenience and speed of no-exam coverage is worth the small premium difference.
Frequently Asked Questions
How much more expensive is no-exam life insurance? Accelerated underwriting can be identical to exam-based rates. Simplified issue is typically 15-25% more. Guaranteed acceptance is the most expensive but is available to everyone.
What’s the maximum coverage I can get without an exam? Most carriers offer up to $1 million in no-exam coverage through accelerated underwriting. Simplified issue typically caps at $500,000-$1,000,000.
Can I convert my no-exam term policy to whole life later? Many no-exam term policies include a conversion option. We’ll help you choose a policy with this flexibility if it’s important to you.
Get Covered Without the Exam
Skip the needles and get your life insurance the easy way. TermHero finds the best no-exam rates from multiple carriers.
Call (818) 222-2300 or get your free no-exam quote
Approval in as little as 24 hours. No exam. No hassle.