Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Written by Rachael Brennan
Licensed Insurance Agent Rachael Brennan

Benjamin Carr was a licensed insurance agent in Georgia and has two years' experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Aug 7, 2022

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Quick Facts

  • Even with no medical exam life insurance, you may still have to answer questions about your medical history
  • Typically, no medical exam term life insurance is more expensive since the insurer has less information
  • You can get no medical exam life insurance much faster since you don’t have to see a doctor or have tests run

Finding life insurance can be a hassle, especially if you’re concerned you won’t pass a medical exam — that’s where no medical exam term life insurance comes in.

Term life insurance is typically cheaper than whole life coverage, but the policy expires after a set time. No medical exam life insurance allows you to get term coverage without the hassle of an exam. However, coverage is limited, and rates are higher since the insurance company can’t tell how risky you are to insure. This coverage benefits people who need coverage quickly or won’t pass a medical exam.

Shopping around makes it possible to find cheap life insurance with no medical exam. Compare multiple companies to find great coverage with the lowest rates. Read on to learn more about no medical exam term life insurance and see if it’s the right choice for you.

What is no medical exam term life insurance?

No medical exam term life insurance is just like it sounds — you may qualify for a term life insurance policy without taking an exam or providing blood and urine samples. However, it doesn’t mean the insurance company doesn’t consider your medical history.

You still must fill out a medical history questionnaire. The insurance company can deny your application if your medical history is concerning or you haven’t seen a doctor recently. For example, insurance companies can ask if you have high blood pressure when getting no medical exam term life insurance quotes. Even if you don’t require an examination, saying yes may disqualify you.

In addition, the insurer may require a medical exam if your history indicates a specific risk level. So, depending on your medical history, you may still have to take an exam to get life insurance.

Insurance companies are all about risk. While your medical history provides a glimpse of the risk of insuring you, it doesn’t give a complete assessment. Therefore, expect higher rates than a policy requiring a medical exam.

The coverage amount may also be limited. Typically, a no exam life insurance quote caps out at around $1 million. So, if you need more coverage, you would need multiple policies, or you could consider a more traditional policy.

A no-exam policy may be best if you need term life insurance fast. In most cases, you can buy life insurance online with no medical exam quickly, but cost and speed don’t go hand in hand. You’ll pay more for the convenience of getting quick coverage.

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What are the types of term life insurance with no medical exam?

Term life insurance provides coverage for a specific amount of time, usually at a set rate for the policy’s life. However, when your term ends, you must start a new policy, and rates may be higher.

Term life insurance isn’t one size fits all. There are several types of term life insurance with no medical exam, and each one has different benefits.

Types of term life insurance with no medical exam include:

  • Simplified. This term life insurance type is the most streamlined, and you only have to answer a few medical questions.
  • Guaranteed. Guaranteed term life insurance provides coverage no matter your medical history, but coverage is very limited, and rates are very high.
  • Employer offered. Your employer offers this life insurance type with limited coverage and low costs.

The type of term life insurance you choose affects your rates. For example, guaranteed coverage is much more expensive since the insurance company assumes many risks.

The term life insurance type you need is up to you. Each one can be beneficial depending on your situation. First, carefully consider what kind of policy you need. Then, compare no medical exam life insurance quotes to get your best deal.

How much does no medical exam life insurance cost?

Expect lower rates if you’re within the age requirements and have a clean medical history. However, if you have certain medical conditions, coverage is more expensive.

Remember, costs vary based on your information, such as age, medical history, occupation, and hobbies. For example, people with high-risk jobs, such as firemen or police officers, see higher life insurance rates.

Who needs life insurance without a medical exam?

While term life insurance with no medical exam is more costly, it’s an excellent option for certain people.

First, if your medical condition makes it difficult to get life insurance, consider no medical exam coverage. For example, it’s hard to find life insurance if you have diabetes, smoke, or have heart conditions. Be very honest when applying for life insurance. Even though you may not have a medical exam, answer questions about your medical history honestly. Your insurer can deny a claim if you lie while applying for coverage.

Second, if you need life insurance quickly, no medical exam coverage is quicker to get due to the streamlined process. Instead of taking weeks to finalize your policy, you can have coverage in hours or days.

Finally, you might consider life insurance without a medical exam if you want coverage through your employer. Often, your employer pays for coverage, or it’s relatively inexpensive. The drawback is that your policy ends if you leave your job.

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What are the pros and cons of term life insurance with no medical exam?

While not taking a medical exam can be enticing, there are pros and cons to consider before signing up.

Pros of no medical exam term life insurance include:

  • It’s easy to apply for coverage.
  • No medical exams are required.
  • Acceptance is quicker.
  • Some policies guarantee coverage.

Term life insurance without an exam is an excellent fit for people who may not pass a medical exam or need coverage quickly.

Cons of no medical exam term life insurance include:

  • Policies offer lower-than-average coverage amounts.
  • Rates are higher than a traditional term life insurance policy.
  • The full death benefit isn’t immediately available.

It can be challenging to determine what type of life insurance you need. So think carefully about how much coverage you need and the coverage rates.

No Medical Exam Term Life Insurance: The Bottom Line

Term life insurance with no medical exam is more expensive and offers less coverage than traditional term life. However, people who need coverage immediately or don’t think they can pass a medical exam benefit from this coverage.

In fact, guaranteed coverage is available for those with medical conditions who may be unable to get coverage otherwise. However, rates will be much higher, and coverage amounts are limited.

Shopping around makes it possible to find cheap life insurance with no medical exam. Each life insurance company weighs your medical history differently and offers various rates.

Before choosing a life insurance policy, consider your coverage needs and budget carefully. Although term life is cheaper than whole life, no exam coverage is more expensive and has limited coverage options.