Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years' experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Feb 16, 2022

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It’s all about you. We want to help you make the right life insurance coverage choices.

Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance provider and cannot guarantee quotes from any single provider.

Our life insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from top life insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.

The Facts of Life

  • You can obtain life insurance right away with a guaranteed acceptance life insurance policy
  • Life insurance can provide a financial cushion for your loved ones
  • You can shop online to find the best insurance policy for you

In these modern times of turmoil and tribulation, it can be anxiety-inducing to think about what may happen to your family after you have passed on. Thankfully, life insurance can help you care for your loved ones even when you have passed away.

Now, if you are prescribed certain medications, life insurance may be hard to attain. In addition, the search for coverage could send you reeling with questions like “Where can I get a free prescription history report?,” or “Do life insurance companies check medical records after death?”

You may even think that attempting to purchase insurance from life insurance companies that don’t check Rx reports is impossible, but that is not the case. Some of the best life insurance companies in the business have policies that can assist you. Continue reading to discover affordable life insurance companies that don’t check Rx reports, and learn how you can obtain the coverage you need to provide for your loved ones after you pass away.

If you can’t wait to acquire life insurance coverage, enter your ZIP code to obtain free quotes from life insurance companies that don’t check Rx reports.

How can you get coverage without releasing medical records to life insurance companies?

If you’re concerned that your prescription history could prevent you from receiving coverage, you don’t need to worry. Whether you want final expense burial insurance or merely want to leave a legacy behind, you can acquire guaranteed coverage through reputable companies like these:

  • AARP
  • AIG
  • Gerber Life Insurance Company
  • Mutual of Omaha
  • New York Life

As you can see, you actually have plenty of options when searching for a life insurance company, as life insurance companies that don’t check Rx reports are everywhere. You simply need to know where to look. Let’s examine each of these companies and determine what kind of life insurance products they can provide for you.


If you’re already a member of AARP and are between the ages of 50 and 80, you’re guaranteed acceptance for insurance coverage that will last you a lifetime. And if you live to be 95, you’ll actually be allowed to cease making payments on your policy. Since it’s available in all 50 states, you could obtain as little as $2,500 or as much as $25,000 in coverage.


AIG offers guaranteed acceptance life insurance to individuals who are between 50 and 85 years old. While there is a 2-year waiting period, you could receive as much as $25,000 in coverage, and your beneficiary would receive the paid premiums (along with10% interest) if you were to die during the waiting period.

Gerber Life Insurance Company

With Gerber Life Insurance Company, you can purchase anywhere between $5,000 to $25,000 in coverage if you are 50-80 years old. This company also has a 2-year waiting period, but the premiums paid — plus a 10% interest — would be paid out to your beneficiary during that period.

Mutual of Omaha

Mutual of Omaha actually allows individuals as young as 45 to sign up for a guaranteed life insurance policy. And while there is a 2-year waiting period with this company as well, Mutual of Omaha will actually award your beneficiary the premiums paid as well as 20% interest on those premiums.

New York Life

If you are between the ages of 50 and 80, you can only purchase a maximum of $15,000, which is typically just enough to cover most modern funeral services. Purchasing a guaranteed acceptance policy through New York Life would also entail agreeing to a 2-year waiting period, and your beneficiary would receive the total amount of premiums you paid with an additional 10% interest.

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Life Insurance Companies That Don’t Check Rx Reports: The Bottom Line

The medications you take don’t have to prevent you from purchasing life insurance that could provide for your loved ones after you’re gone. You can even receive competitive life insurance rates — as well as an impressive amount of coverage — from life insurance companies that don’t check Rx reports. However, there may be a waiting period, so you should always read the fine print.

If you want to obtain life insurance quotes from life insurance companies that don’t check Rx reports, you should shop online and compare them in the comfort of your home without a pushy salesperson pressuring you. That way, you can take your time to find the best policy for your needs.

You can enter your ZIP code today to acquire free quotes from life insurance companies that don’t check Rx reports.