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

UPDATED: Nov 25, 2021

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The Facts of Life

  • More than half of all Americans live with some sort of health condition, leading many to be afraid to apply for life insurance
  • Most life insurance companies will work with you, even if you have a health condition
  • If you need life insurance that skips bloodwork, you can apply for guaranteed or simplified issue life insurance

Most people understand why having a life insurance policy is important — it protects your loved ones financially after your death. However, many Americans are afraid to apply for life insurance because they think they will be rejected.

Life insurance companies perform medical exams to assess your risk level. The higher your chance of dying, the more financial risk you pose to the company.

If you have a medical condition, you shouldn’t be afraid to apply for life insurance. Even if you have a terminal illness, there are no-exam life insurance options available to you.

Looking for rates from life insurance companies that don’t require a blood test can feel like an uphill battle, but shopping around for quotes will help. If you’re ready to see what quotes might look like for you, enter your ZIP code into our free tool today.

Are there life insurance companies that don’t require a blood test?

According to the Centers for Disease Control (CDC), over half of all Americans live with a health condition. These conditions include:

These conditions, and many others, might mean higher rates when you apply for term or whole life policies.

However, there are options for term and whole life insurance with no medical exam needed. These policies are known as guaranteed and simplified issue life insurance policies.

Guaranteed issue life insurance skips the medical exam and instead performs a medical interview. The interview asks basic questions about your health.

This interview is meant to gather information, and you won’t be rejected for a condition. You should be honest about your situation — if you’re caught lying, the company might not pay your beneficiary.

Simplified issue is even less invasive than guaranteed. With simplified issue, there are no exams and no interviews.

Aside from no medical exams, another benefit is no waiting period. This is why guaranteed and simplified issue policies appeal to people who need quick coverage without being asked many questions.

Enter your ZIP code into our free tool today to see what quotes might look like for you.

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Are there any affordable life insurance companies that don’t require a blood test?

What are the best no-exam life insurance companies? You can find excellent rates and quick coverage by exploring options with the following companies.

Globe Life offers full coverage life insurance with no waiting period, as well as the lowest average monthly rates. With coverage options ranging from $5,000 to $100,000, Globe Life has a plan that will work for everyone.

You need to provide your basic information, answer some questions about your health, and provide payment. Another benefit of Globe Life is that your policy becomes active the day you pay for it.

AIG is another life insurance company that offers fantastic policies for people that need quick coverage. AIG works with applicants who have terminal illnesses. It offers $5,000 and $25,000 options for coverage, and it is one of the only companies that offers a living benefits rider.

You can use living benefits to cover medical expenses.

Prudential offers many life insurance options, but it is especially suited to veterans, with the Veteran’s Group Life Insurance. With this plan, you get coverage for the rest of your life without a medical exam. Prudential also doesn’t hold mental health issues against the applicant.

Beyond these, most life insurance companies can offer no-exam life insurance, although you might find higher rates.

What are the cons of no-exam life insurance?

While no-exam life insurance is an excellent option for people who can’t get standard insurance, there are some drawbacks.

First, you won’t find as much coverage as with standard policies. While companies offer term and whole life policies in the millions, insurance that doesn’t require a blood test or other medical exams is capped around $50,000.

Your beneficiary won’t receive much money, but it should be enough to cover your funeral and other end-of-life costs.

Second, your beneficiary (or beneficiaries) probably won’t receive the total amount of your death benefit if you die within the first few years. Again, it depends on your policy, but they’ll probably receive a payout if you die accidentally.

Lastly, you will pay more for coverage with guaranteed or simplified issue policies. A life insurance company that offers no-exam life insurance assumes the risk of paying your beneficiary sooner rather than later. Because of this, rates are higher.

How to Find a Life Insurance Company That Doesn’t Require a Blood Test

Life insurance companies do require a blood test for standard policies, but not for guaranteed or simplified issue. When you have no other options, no-exam insurance will give you the coverage that you need.

Finding quotes for life insurance that doesn’t require a blood test takes some shopping around to find the best rates. If you’re ready to see what quotes might look like for you, enter your ZIP code into our free tool today.