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Read moreNo exam term life insurance
Bottom line up front: Get 10 to 30 years of term life insurance without a medical exam, blood draw, or doctor visit. Simplified underwriting means you answer health questions online and can be approved the same day.
What is no exam term life insurance?
No exam term life insurance provides the same death benefit protection as traditional term policies, but without requiring a medical exam. Instead of scheduling a physical, providing blood and urine samples, and waiting weeks for results, you answer a series of health questions online. If you qualify, coverage is issued quickly, often within days.
These policies are available in standard term lengths (10, 15, 20, and 30 years) with coverage amounts typically ranging from $50,000 to $1 million or more, depending on the carrier and your health profile.
Who is it for?
- Healthy adults who qualify on health questions alone
- Busy professionals who cannot take time off for a medical appointment
- Anyone with a fear of needles or medical procedures
- People who want coverage fast without a multi-week underwriting process
- Ages 20 to 60 (varies by carrier)
How it works
- 1
Answer health questions. A short online questionnaire about your medical history, medications, and lifestyle.
- 2
Instant decision. Most carriers return a decision within minutes based on your answers and data from the MIB and prescription databases.
- 3
Choose your policy. Compare rates across multiple carriers for the term and coverage amount that fits your budget.
- 4
Sign and start. Complete your application with DocuSign. Coverage can begin immediately upon approval.
No exam term vs. traditional term
| Feature | No Exam Term | Traditional Term |
|---|---|---|
| Medical exam | Not required | Required |
| Approval speed | Days or less | 4 to 8 weeks |
| Coverage max | Up to $1M+ | Up to $10M+ |
| Monthly cost | Slightly higher | Lowest available |
| Best for | Speed and convenience | Maximum savings |
No exam policies cost slightly more per dollar of coverage because the carrier accepts more risk without lab results. For most healthy applicants, the difference is modest. If saving every dollar matters more than convenience, a fully underwritten term policy may be a better fit.
Coverage amounts & typical cost
Most no exam term policies offer coverage between $50,000 and $1 million. Term lengths range from 10 to 30 years. Sample monthly rates below are estimates for a $500,000 policy.
What could you pay?
Age 30
$28
/month
$500,000
20-year term
Age 40
$48
/month
$500,000
20-year term
Age 50
$105
/month
$500,000
15-year term
Age 60
$195
/month
$500,000
10-year term
Rates are illustrative based on current carrier averages. Your actual rate depends on your age, health profile, tobacco status, coverage amount, and carrier. Run a free quote to see your personalized rate in about 10 seconds.
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Frequently asked questions
Is no exam life insurance more expensive?
In most cases, slightly. Without lab results, the carrier has less information about your health and prices accordingly. For a healthy 35-year-old, the difference might be $5 to $15/month for $500K of coverage. Many people find the convenience worth it.
What health questions will I need to answer?
You'll typically be asked about major conditions (heart disease, cancer, diabetes), tobacco use, prescription medications, hospitalizations in the past few years, and family medical history. The exact questions vary by carrier.
Can I get a 30-year no exam policy?
Yes. Several carriers offer 30-year no exam term policies for applicants under age 45. Coverage amounts may be lower than what is available with a full exam, but $500K to $1M is common for qualified applicants.
How do carriers verify my health without an exam?
Carriers pull data from the MIB (Medical Information Bureau), prescription drug databases, motor vehicle records, and sometimes electronic health records. This gives them a detailed picture of your health without requiring lab work.
What if I'm denied?
If you don't qualify for no exam coverage, we can explore other options. Simplified issue, guaranteed issue, and graded benefit policies have less strict requirements. We work with 30+ carriers to find a fit for your situation.
Should I choose no exam or traditional term?
If you're healthy and not in a rush, traditional underwriting gives you the lowest possible rate. If you want coverage quickly, dislike medical procedures, or simply prefer convenience, no exam is an excellent choice. Our agents can help you decide.
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