term life insurance no medical exam

With a No Medical Exam Term Life Insurance policy, you’ll never have to schedule an exam, get stuck with a needle, pee in a cup, or deal with any of the other hassles that happen with a life insurance medical exam.


Best Term Life Insurance No Medical Exam Companies

The Top No Medical Exam Companies in 2019

Here are this years best of the best. We regularly update our rankings of the best life insurance companies based on an overall performance. We look rates, application simplicity, financial strength, coverage options and more.

no medical exam term life insurance quotes

Get no medical exam term life insurance quotes here. Compare rates instantly from the best no exam life insurance companies. At Life Insurance Blog, we represent over 60 life insurance companies in order to find the best one for you.

The Top 10 No Medical Exam Term Life Insurance Companies in 2019

Here are this years Top 10 No Medical Exam Term Life Insurance companies. We evaluated companies based on overall rates, application simplicity, financial strength, coverage options, approval times and more.

Company NameIs Exam Required?Application Timeline?Medical Records Required?What Are The Underwriting Requirements?Face Amounts?
SagicorNo medical exam requiredPolicy is typically issued in 1 – 7 daysNoneMVR (Motor Vehicle Report) MIB (Medical Insurance Bureau) RX (pharmacy records)$50,000 – $500,000
ForestersNo medical exam requiredLess than 10 minutes!NoneMVR (Motor Vehicle Report) MIB (Medical Insurance Bureau) RX (pharmacy records)Up to $400,000
PhoenixNo medical exam required48-72 hoursUnderwriters may request physician recordsMVR (Motor Vehicle Report) MIB (Medical Insurance Bureau) RX (pharmacy records)$25,000 – $400,000
FidelityNo medical exam requiredWithin 24 hoursNoneMVR (Motor Vehicle Report) MIB (Medical Insurance Bureau) RX (pharmacy records)Up to $250,000
PrincipalNo medical exam required48 hours – 2 weeksUnderwriters may request physician recordsMVR (Motor Vehicle Report) MIB (Medical Insurance Bureau) RX (pharmacy records)$200,000 – $1 Million
SBLINo medical exam requiredPolicy is issued the same dayNoneMVR (Motor Vehicle Report) MIB (Medical Insurance Bureau) RX (pharmacy records) Credit/background check$50,000 – $500,000
Mutual of OmahaNo medical exam requiredTypically 1 – 2 weeks.Underwriters may request physician recordsMVR (Motor Vehicle Report) MIB (Medical Insurance Bureau) RX (pharmacy records)$50,000 – $250,000
TransamericaNo medical exam requiredTypically 2 – 4 weeks.Underwriters may request physician recordsMVR (Motor Vehicle Report) MIB (Medical Insurance Bureau) RX (pharmacy records)$25,000 – $249,999
American NationalPossible: Depends on results of application2 – 4 weeksUnderwriters may request physician recordsMVR (Motor Vehicle Report) MIB (Medical Insurance Bureau) RX (pharmacy records)Up to $1 Million
AssurityPossible: Depends on results of applicationLess than 15 minutesUnderwriters may request physician records & an examMVR (Motor Vehicle Report) MIB (Medical Insurance Bureau) RX (pharmacy records)$350,000 – $500,000

Simply click on any of the Top 10 companies below and we’ll take you each company’s details and product features. Or scroll a little farther down to learn more tips and information about life insurance term no medical exam.

What Is No Medical Exam Term Life Insurance?

A no medical exam term life insurance policy is exactly what it sounds like: You will not have to schedule and complete a life insurance medical exam  like you would have to do with a traditional fully underwritten life insurance policy. No exam policies provide you with the same death benefit coverage as traditional medical exam policies. The biggest differences (other than no exam) is that they are limited in the death benefit amounts and age requirements. No exam life insurance policies usually have a maximum coverage amount anywhere from $250,000 to $500,000. However, there is a $1,000,000 no exam option available.

Almost all no exam policies still require you to qualify. In other words, there is still underwriting involved. You will most likely have medical questions to answer. Life insurance companies may also order the following:

  • Medication / Prescription Report up to the past 10 years
  • Motor Vehicle Report
  • MIB / Medical Insurance Bureau report (this documents if you’ve ever been denied life insurance in the past as well as any past applications that you’ve submitted)
  • Financial Credit History

No Medical Exam Life Insurance vs Medical Exam

No Medical Exam

no medical exam comparison

Medical Exam

medical exam comparison

Should I Buy No Medical Exam Life Insurance?

A no medical exam term life insurance policy is typically going to cost more than a fully underwritten policy that requires a medical exam.  Most life insurance companies require a free medical exam with traditional term life policies. They usually last anywhere from 20 to 30 minutes and you can schedule it at your home or work. 

No medical exam term life insurance is a great option for these situations:

  • You HATE needles.
  • You love convenience and are too busy to schedule and complete the exam.
  • You need a policy fast. This is often the case for SBA loans; Divorce settlements and other court ordered requirements.
  • You currently don’t have ANY coverage.
  • If you haven’t been to your doctor in 2 to 5 years. If you haven’t had any lab work in several years, you may have an unknown health issue that a medical exam will reveal.

For almost any other situation, a traditional life insurance policy with a medical exam is recommended. 

Top Mistakes You Can Make Buying No Medical Exam Life Insurance

  1. You may think that there are only a few no medical exam life insurance options available during the application process.
  2. You may end up overpaying for less life insurance coverage compared to fully underwritten policies.
  3. Buying a life insurance policy that slowly becomes more expensive as you get older.
  4. Purchasing a no exam insurance policy thinking it covers natural causes of death but it actually is an “accidental death” policy.

At Life Insurance Blog, we’re happy to review and show you the carriers that provide excellent benefits and coverage at a great price. Not only do we offer the best no exam life insurance companies — but we provide you a variety of other life insurance types that may actually be a better deal for you depending on your situation.

Ultimately it’s your choice on which life insurance company is the best fit based on your specific health details and coverage goals for your family. We are also specialists with fully underwritten options and we’d be happy to you through that process too. Don’t forget to stop by our Best Life Insurance Companies page where we review over 50 top carriers..

No Medical Exam Life Insurance Companies In Detail

Let’s dig deeper and take a look at the Top 10 no medical exam life insurance companies and their policies. If you’re wanting even more no exam reviews, be sure to check out our Best No Medical Exam Life Insurance Company Reviews.


The Sagicor Financial Corporation started in 1840. Sagicor Life may not be as familiar as some the life insurance companies on this list, but for over 60 years they have provided excellent options for shoppers.

Strengths: Sagicor is a great no exam company. Sagicor has now increased their maximum benefit amount to $1 million without a medical exam (if you qualify). They offer up to $500,000 non-med and $500,000 to $1 million Accelerated Underwriting (exam is possible based on qualifying).

A.M. Best: A-
Moody's: N/A
Fitch: N/A
Standard & Poor’s: N/A


Founded in 1874, Foresters Life Insurance Company has over 135 years of experience providing life insurance shoppers with wealth accumulation and protection products.

Strengths: Foresters makes our life insurance companies Top 10 list due to their fast underwriting and excellent products. With Foresters, your life insurance application and policy can be issued faster than the competition. With the Foresters Your Term No Exam life insurance policy – a decision is frequently made within minutes. Foresters underwriting wait time is usually one of the fastest compared to the top 10 life insurance companies.

A.M. Best: A
Moody's: N/A
Fitch: N/A
Standard & Poor’s: N/A


Phoenix Life began as the America Temperance Life Insurance Company in 1851. The company was founded by a group of civic, religious, and business leaders. An interesting fact about Phoenix is that their initial focus was to insure individuals who abstained from alcohol. In 1861, the company merged with Phoenix Life and is the 1st company to be approved by the New York Insurance Department to conduct business in the state. In 2018, Phoenix was rebranded as Nassau Re.

Strengths: The Phoenix Life Insurance Company provides shoppers with an easy application, great customer service, and several policy options for a variety of coverage goals. They should be looked at closely by final expense shoppers looking for a quick no medical exam policy.

A.M. Best: B
Moody's: N/A
Fitch: N/A
Standard & Poor’s: B+


Fidelity Life has been in operation for over a century. Started back in 1896, Fidelity Life was a fraternal benefit society originally. They were actually called the Mystic Workers of the World when they began. In 1930, they changed their name to what we know it as today: Fidelity Life.


Fidelity Life offers an easy and quick non medical life insurance plan. By offering the Rapid App, applicants can get life insurance fast. There are 4 Rapid Decision policies that Fidelity Life offers. Their term life no exam product is called Rapid Decision Express. It is one of the life insurance industries fastest life insurance products on the market. 

A.M. Best: A-
Moody's: N/A
Fitch: N/A
Standard & Poor’s: N/A


Principal Life is is a member of the FORTUNE 500 and is a global investment management leader in addition to an excellent life insurance company. Principal Life is one of the best life insurance companies when it comes to ratings and financials. They have received excellent life insurance companies ratings from all of the major independent reviewers such as A.M. Best. These high marks ranks Principal as one of the best rated life insurance carriers.

Accelerated Underwriting: With Principal National accelerated underwriting program, shoppers can have their application approved with a no medical exam life insurance policy at a preferred plus rate class in forty eight hours or less. Principal provides a no fluids and streamlined underwriting process that is available to healthy shoppers seeking up to $1 Million in coverage on any Principal Financial term or permanent product. Approximately 50% to 60% of shoppers can qualify for the Principal accelerated underwriting process

A.M. Best: A+
Moody's: A1
Fitch: AA–
Standard & Poor’s: A+


SBLI was established in 1907 once savings banks were allowed to issue life insurance to their customers directly. The first SBLI policy was sold in 1908, and just over 20 years later, the company had $100 million in premiums. SBLI currently has their headquarters based in Woburn, MA, with $125 billion in-force policies to boast about.

Accelerated Underwriting: SBLI’s underwriting term life policies don’t warrant a visit from a paramedical examiner. Rather, the company gets details from various sources, including MVR, MBI, data from the Fair Credit Reporting Act, and the Prescription Database. SBLI has amazing customer service. They sell guaranteed premium level term insurance that doesn’t require a paramedical exam. Term lengths available range from 10, 15, 20, 25, and 30 years is available.

A.M. Best: A
Moody's: N/A
Fitch: N/A
Standard & Poor’s: A-

Mutual of Omaha

Mutual of Omaha began as Mutual Benefit Health & Accident Association in 1909. United of Omaha is an affiliate of Mutual of Omaha. They’re a solid company that excels at offering coverage for those with family health history challenges. They are the only company that underwrites based on death (not diagnosis).

Strengths: Mutual of Omaha provides Accelerated Underwriting. They’re good for those with a Driving Record & speeding tickets, Family Health History, and Healthy Individuals. United of Omaha is a great choice as they provide coverage for those with impaired risks and family health history situations. They are the only company that underwrites based on death (not diagnosis).

A.M. Best: A+
Moody's: A1
Fitch: N/A
Standard & Poor’s: A+


The Transamerica Life Insurance Company has been in the life insurance top 10 lists for many years. They have over $130 billion in total assets, with over $6 billion in reserves. It’s safe to say they’re financially strong and will be around when you need them most.

Strengths: Transamerica is an excellent choice when basing rates on age. Transamerica is extremely competitive with most age ranges. However, they really shine for the senior age group. Transamerica is a great choice if you have High Blood Pressure, recent weight loss, have a family history or have had a heart attack.

A.M. Best: A+
Moody's: A1
Fitch: A+
Standard & Poor’s: AA-

American National

American National was founded and formed by W.L. Moody, Jr. in 1905 in the state of Texas. ANICO began with only 10 employees and $100,000 in capital. ANICO and ANICO of New York have continually grown over the years and in 2017, announced a significant milestone with over $100 Billion in active life insurance policies across the United States and Puerto Rico.

Strengths: American National is one of the very best accelerated underwriting life insurance companies anywhere. For large policies up to a million dollars of insurance, American provides their “Xpress Plus”. This is an automated underwriting for all individual life insurance policies they offer. The basic requirements for Xpress Plus are as follows: Must be between the ages of 0 to 50 for up to $1,000,000 coverage; Must be between the ages of 51 to 60 for up to $500,000 coverage

A.M. Best: A
Moody's: N/A
Fitch: N/A
Standard & Poor’s: A


For over 125 years, Assurity Life Insurance Company has developed first-rate value for their customers by establishing relationships that last, maintaining their financial strength, and ushering change in their services and products.

Strengths: The Assurity LifeScape NonMed Term 350 is a “no medical exam policy” that is completely underwritten. For the most part, the person to be insured won’t be subjected to a medical exam, but will be obligated to answer a comprehensive questionnaire about their history of health. In conjunction with the application questions, pharmacy, MIB and MVR details will be examined. LifeScape NonMed Term 350 is available for people between the ages of 18 to 65, and the face amounts are priced between $50,000 to $350,000. There are 10, 15, 20 and 30-year term periods available

A.M. Best: A-
Moody's: N/A
Fitch: N/A
Standard & Poor’s: N/A

senior term life insurance no medical exam

If you’re over age 60 there are still policies available to you. No Medical Exam life insurance for seniors is obtainable, but you’ll need to know your options may be limited. If you’re in your 60s, you’ll have more choices than if you’re in your 80s. As you get older there are still many companies that provide coverage, but not as many as when you were younger.  Some of these options include Guaranteed Issue policies that have no medical questions at all. There are some familiar companies such as AAA term life insurance no medical exam, but also some other lesser known carriers that may provide a better deal. It will ultimately depend on your health and coverage goals.

Final Thoughts

No matter your age or coverage needs, we’re here to help.  Life Insurance Blog is an independent agent that has access to over 60 of the best companies available. Our goal is to find you the top company at the best price.  We’re experts in finding the lowest rates for no medical exam life insurance as well as other types of coverage. Our expertise can help save you thousands of dollars over the life of your policy by researching the company that can offer you the best deal. 

We don’t favor any particular company or use any pushy sales tactics. We simply ask you what your needs are and find your the company to meet those needs. No matter if price is your top priority or getting a policy as fast as possible — we have you covered. Give us a call today. We’re ready to serve you!