Get Covered Without The Doctor Visit

Life Insurance With No Medical Exam

Hate needles? Don't want to wait weeks for results? You can get serious life insurance protection without the doctor visit.

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Why Life Insurance With No Medical Exam

Here's what makes our coverage different from anything else you'll find.

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24-Hour Approval

Many no-exam policies issue same-day or next-day decisions.

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No Blood Tests

Skip the needles, urine samples, and 4-hour exam appointment.

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Coverage Up To $2M

Top no-exam policies offer $1–$2M death benefits without medical exams.

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Pre-Existing OK

Simplified issue and guaranteed issue policies accept most health histories.

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Protect Your Family

Death benefit pays out tax-free to your beneficiaries.

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Lock In Rates

Term lengths from 10–30 years with rates that never change.

Frequently Asked Questions

Quick answers from licensed insurance experts.

Is no-exam life insurance more expensive?
Slightly — typically 5–25% more than fully-underwritten policies. But for healthy people, the convenience often outweighs the premium difference. For people with health issues, no-exam may be the only option.
How much coverage can I get without an exam?
Top carriers offer up to $1–$2 million in coverage without a medical exam for healthy applicants. Higher amounts may require traditional underwriting.
What's the difference between simplified issue and guaranteed issue?
Simplified issue asks health questions but no exam — most healthy people qualify. Guaranteed issue asks NO health questions and accepts everyone but coverage is limited (usually $25K–$50K) and has graded death benefit.
Can I get no-exam life insurance with pre-existing conditions?
Yes. Simplified issue may accept well-managed conditions. Guaranteed issue accepts all conditions but with lower face amounts and graded benefits in early years.
How fast can coverage start?
Many no-exam policies issue approval in 24–48 hours and coverage starts upon first premium payment. Some carriers offer instant decisions during the application.

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