A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

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Reviewed by Daniel Walker
Licensed Car Insurance Agent

UPDATED: Dec 23, 2016

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Don't miss these facts...

  • No exam life insurance will be more expensive than life insurance with an exam
  • No exam life insurance may have limitations on the amount of life insurance they will issue to you, based on your age and the answer to medical questions
  • You may still be declined for no exam life insurance, depending on your answers to specific medical questions

People purchase no exam life insurance for several reasons. They may buy it because they do not like their privacy invaded by exams performed by strange medical staff.

They may need life insurance quickly, to qualify for a loan and need to use the no exam version to get the insurance in force quickly.

Others may not have the time or want to spend the time going through the process of getting an exam when they apply. Still another group, may have pre-existing conditions that would disqualify them from getting any other type of life insurance.

This type of life insurance will usually include questions about your medical history, though, so be prepared with medical data.

Start comparing life insurance today with our free comparison tool above!

How much life insurance can be purchased with no exam?


Term insurance has no cash value attached to it, whereas whole life does. A policy with an accumulating cash value is usually more expensive.

Some insurance companies may issue whole life policies on a no exam basis at lower death benefit levels. Whole life policies can be held for a person’s lifetime, until death where the insurance company must pay a death benefit.

Term policies will last for a set period, after which they will expire. They can be 10, 15 or 20 years typically.

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When I apply online what information will be required?


When you apply online for the insurance, you will probably need to answer some medical questions, unless you are applying for Guaranteed Issue Insurance. This is even more expensive than no exam insurance.

You will likely get a telephone call from the insurance company after you submit your online application. They will ask you about your medical history.

They will already have your report from the Medical Information Bureau, Motor Vehicle Records and a report from the Pharmacy Database.

It is important to answer the questions truthfully, including questions about whether you have ever been turned down for insurance.

If you have been turned down before, you will likely be turned down again, unless it is a Guaranteed Issue Policy.

They will ask you about your family medical history, medications that you have used or are currently using as well as other medical and health questions. After they have completed their information gathering, it will usually take 5 to 10 business days to get an answer on your policy.

Sometimes, if there are no medical issues, you may get an approval right away.

Am I covered immediately upon approval?

Possibly. You may be covered immediately depending upon the answers to the medical questions. However, you may be given limited current coverage, with a waiting period for full coverage to take effect.

It all depends upon the underwriting decisions made by the insurance company. Compare each companies underwriting guidelines.

Can a person with serious medical problems apply for coverage?


Yes! People with medical problems can get coverage, even people with cancer. Everything depends upon the answers to the health questions and the underwriting guidelines followed by the insurance company.

This is where Guaranteed Issue Life Insurance comes in. If you have a major medical problem, this coverage can still be issued. The cost is substantially higher than any other insurance because of the risk level to the insurance company.

For regular no exam life insurance, there may be a waiting period of up to a year or more for coverage to take effect with Diabetes. Internal cancer may have a waiting period of up to five years. If the cancer is external, like skin cancer, there will usually be a waiting period of up to three years.

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Current Trends

Life insurance companies are making more and more no medical exam policies available online so you should compare the premiums charged by the top-rated companies. When doing your comparison, you need to consider the AM Best or Moody’s rating of the company.

Stay with the highest rated companies. Their financial strength is tied in with their ability to pay claims. You will be paying a higher than normal premium, so get your coverage from a higher quality company.

Life Insurance Companies to Consider for Term Life Insurance

According to TermLife2Go the top 10 companies to buy no exam online life insurance from include:

1. American Amicable
2. American National
3. Assurity
4. Foresters
5. Gerber
6. Mutual of Omaha
7. Principal Financial Group
8. Sagicor
10. Transamerica

These are just the top 10 listed by one source. There are other companies who offer the insurance as well. Check them all for rates, coverage and underwriting restrictions.

Mistakes to Avoid When Applying Online for No Exam Life Insurance


Many people assume there are only a few off-name companies that offer this type of coverage. There a several name brand companies to consider. Some were listed above.

Compare the premium rates charged by all the companies to make sure you are getting a good product for your money. Be careful of graduated premium insurance.

The coverage may become too expensive to continue in the future. Avoid buying life insurance that will only pay accidental death benefits and not for death due to illness.

Whichever reason you have for applying for online no exam life insurance, you currently have several options available to you. With the busy lifestyles, we live, sometimes it is helpful getting things done more quickly with less fuss.

Start comparing life insurance today with our help. Enter your zip in our free comparison tool below and compare today!


  1. http://www.term-life-online.com/tips-no-exam.html
  2. https://www.mib.com/
  3. http://www.investopedia.com/articles/pf/08/what-to-expect-insurance-application.asp
  4. http://www.huffingtonpost.com/terry-savage/breast-cancer-survivors-g_b_6063256.html
  5. http://www.ambest.com/home/default.aspx
  6. https://www.moodys.com/
  7. http://termlife2go.com/
  8. http://www.moneycontrol.com/glossary/insurance/graded-premium-policy_353.html