No Medical Exam Term Life Insurance

UPDATED: Mar 12, 2020

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Absolutely no…

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No Medical Exam. Period.

No medical exam term life insurance does not require an in-home exam like traditional term life does.* It’s the same great coverage, without the fasting, needles, and inconvenience.

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Much Faster Process

How does 48 – 72 hours sound? Yes, some companies are that fast. Depending on your age, amount, and company, your new policy could be in force from two days to a few weeks

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Coverage up to $1 Million

Amounts range from $25,000 to $1 Million, depending on your age and the company you choose. And if that’s not enough, combine two or more policies to get the amount you need.

* If you do not qualify for the no-exam process, the insurance company may require an exam to continue. See why.

Buying term life insurance online should be like ordering a book. Or a movie. Okay, maybe not that easy, but it should certainly be easier than the purchase of a car.

Sadly, it’s not. Not even close. Sure, it’s easy to get term life insurance quotes online. There’s no shortage of websites offering them. But that’s the easy part. There’s a whole application process that comes after the quote. And that process can take 4-6 weeks to complete. Some people can wait that long, either because they have other coverage or want to save money by going through underwriting. But others can’t wait. They need it now. For a trip, bank loan, or just because they’ve put it off for too long already. No medical exam term life insurance was made for this select group. It was also made for people who simply do not want to complete an in-home medical exam.

How No Medical Exam Term Life Insurance Works

These are the most important things to know:

  • No medical exam required – No exam means no blood or urine samples. And no examiner visiting your home.
  • It’s faster – Way faster, like a cheetah racing an elephant faster.
  • Coverage is limited – $1 Million is the current maximum. But you can buy more than one policy from different companies.
  • There are age limits – Age restrictions vary by company and amount. The maximum age ranges from 60 to 70.
  • It may cost more – Depending on your age, the coverage amount and other factors, you may end up paying more for a no medical exam term life insurance policy. But not always. It’s worth the time to take a look. And remember, with a no medical exam policy you’re paying for speed and convenience. You’ll need to decide how much that’s worth to you.
  • You may not qualify – Some no medical exam term life insurance policies are tougher to qualify for. Without the exam, the company has less information to go on. If you have specific medical conditions or history, the company may ask you to complete an exam or even decline your application.

No Medical Exam Term Life Insurance Options

We offer no medical exam term life insurance policies from these companies.

$25,000 – $99,999
Up to age 65
2 – 4 week process
Paper application

$50,000 – $350,000
Up to age 65
1 – 2 week process
Phone application

$50,000 – $250,000
Up to age 65
2 – 3 day process
Phone application

$100,000 – $500,000
Up to age 60
1 – 2 week process

$25,000 – $250,000
Up to age 65
2 – 4 week process
Paper application

$200,000 – $1 Million
Up to age 65
2-week process
Phone application

$50,000 – $1 Million
Up to age 65
3 – 5 day process
Electronic application
Electronic signature

$25,000 – $250,000
Up to age 75
2 day process
Phone application
Electronic signature

$25,000 – $99,999
Up to age 70
2 – 4 week process
Paper application

If you’re in a rush or just despise needles (and who doesn’t), take a look at no medical term life insurance. You’ll save a ton of time, and you might find the cost isn’t much more than regular term life.

Questions about no medical exam term life insurance?

Let us know. We’ll walk you through it.