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 8, 2021

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Don't Miss These Facts

  • Some life insurance policies don’t ask for your medical history
  • You can expect to pay more for the risk the insurer takes on
  • Starting your policy early in life will save you money

Many life insurance policies that don’t require medical history are available, but because they don’t ask these questions, you should expect to pay higher premiums. While the insurer is taking on a risk, you can get more affordable rates by starting one of the life insurance types as early in your life as possible.

Are you looking for life insurance policies that don’t require medical history quotes? Enter your ZIP code into our free quote tool to see what you could pay.

Which life insurance companies don’t require medical history?

A few life insurance policies may serve your situation, each varying in price depending on the risk the insurer takes. The policy types that don’t look at your past medical history include:

  • No-exam
  • Guaranteed issue
  • Single premium

You can bypass portions of the medical underwriting or have your medical history not considered with these policy types. However, because your insurer bases your rates on risk, you can expect to pay much more when the insurer doesn’t fully underwrite you.

Life insurance companies that require medical history don’t want to take on the risk of ignoring such an important part of underwriting. Medical questions may consider not only your own medical history, but also your family’s history. Insurers may ask questions about your family’s history of cancer, diabetes, asthma, alcohol-, tobacco- or drug use, among other health concerns.

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Which life insurance policies don’t require medical history?

If you need a life insurance policy that doesn’t look at your medical history, you have a few options among several policies. You should expect your premiums to be higher because your insurer is taking on more risk.

The policy types that do not consider your medical history include:

  • No-exam – This insurance gets you out of the medical exam, but you will still have to answer some health questions.
  • Guaranteed issue – This policy gives you life insurance with no medical exam and no waiting period, with a few exclusions, but comes at a much higher rate.
  • Single premium – This policy does not need to underwrite your life for any risks because you pay the premiums all at once.

Insurers will offer variations on these policy types, so read each one thoroughly and ask questions.

Guaranteed acceptance of life insurance with no health questions can often cost the most every month due to the insurer taking the payments in installments.

Are there limits on coverage with no medical history?

Something to be aware of when looking for a no-medical-exam life insurance policy is that you may be limited on how much of a death benefit your beneficiaries may receive. According to CNN Underscored, some of these policies limit your death benefit to $500,000.

The insurer is likely to extend this to a guaranteed issue, providing a cap on the level of coverage you can take out. Each insurer will vary, of course, but it makes sense for the insurer to make sure it won’t have to pay out too much when it could have prevented the risk.

How much does no-medical-history life insurance cost?

How much your no-medical-history life insurance costs will largely depend on your life. When you sign up for a policy, the insurer will begin an underwriting process to determine your risk of dying.

How do life insurance companies determine rates?

Life insurance companies evaluate the risk that a client poses to the policy through a process called underwriting. During the underwriting process, your insurer will look at anything in your life that poses a risk to it having to pay out on your policy.

The areas that a life insurance underwriter will traditionally look at include:

  • Health history
  • Family medical history
  • Occupation
  • Hobbies
  • Credit history
  • Tobacco use

Asking a life insurer to ignore a significant part of the underwriting process would results in higher premiums for the insured. The insurer will want to make a profit. Asking policy holders to pay higher rates for coverage may ensure the insurance company’s survival.

How can I save on life insurance with no medical exam?

When your life insurance company is excluded from looking at your medical history, they may underwrite other areas of your life. When applying for life insurance without your medical history, consider:

  • Improving your credit history
  • Avoiding traffic tickets or other criminal activity
  • Cutting back on tobacco use, or quit if you’re able
  • Buying your policy as early in life as possible

Life insurance underwriting is a game of statistics, and no matter what your other issues may be, a young person is less likely to die than an older person. Starting your life insurance policy as early in life as possible can help you get the most affordable rates available.

Life Insurance That Doesn’t Require Medical History: The Bottom Line

If you’re worried about your medical history when you apply for a new life insurance policy, you can rest assured knowing you have options. While you’ll have to pay more for the coverage, you can still get affordable rates by starting as early possible.

Are you curious about life insurance companies that don’t require medical exams? Enter your ZIP code into our free quote tool to see what you could pay today.