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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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

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: Jun 28, 2022

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The Facts of Life

  • There are options to get life insurance without a medical exam
  • You should consider no-exam and guaranteed life policies
  • You will have to pay higher rates each month to cover the risk

If you’re looking for life insurance companies that don’t require a medical exam, you’ll be happy to know that there are plenty. Many life insurance companies will offer no-exam or guaranteed life insurance. Unfortunately, these policies cost more.

Below we’ll tell you what to expect when you shop for no-exam life insurance.

Many life insurance companies don’t require a medical exam, so enter your ZIP code into our free quote tool to see what you could pay.

What life insurance companies will give me insurance without a medical exam?

There are two basic types of life insurance that doesn’t require a medical exam. If you have any medical conditions that you don’t want your life insurer finding out about, you should consider:

  • Guaranteed life insurance
  • No-exam term life insurance

Both of these policy types will help you get coverage without having to go through medical underwriting. Of course, you may still have to answer some basic health questions, but it won’t include a medical exam or any tests.

Below are the average monthly rates for a guaranteed whole life insurance policy. Because the insurance company takes on additional risk without full medical testing, it will cost more than a traditional life insurance policy.

Guaranteed Whole Life Insurance Average Monthly Rates

Age$100,000 Policy Average Rates for a Female$100,000 Policy Average Rates for a Male$250,000 Policy Average Rates for a Female$250,000 Policy Average Rates for a Male$500,000 Policy Average Rates for a Male$500,000 Policy Average Rates for a Female
25-years-old$84.91$93.70$203.14$225.12$400.19$444.14
30-years-old$97.35$107.71$234.24$260.14$462.39$514.19
35-years-old$112.93$128.24$273.19$311.47$540.29$616.84
40-years-old$132.15$153.90$321.24$375.62$636.39$745.14
45-years-old$156.17$190.79$381.29$467.84$756.49$929.59
50-years-old$191.66$234.90$470.02$578.12$933.94$1,150.14
55-years-old$243.17$294.84$598.79$727.97$1,191.49$1,449.84
60-years-old$311.63$399.24$769.94$988.97$1,533.79$1,971.84
65-years-old$421.69$528.00$1,045.09$1,310.87$2,084.09$2,615.64
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As you can see, the monthly rates can quickly get over $200 depending on your age and the death benefit.

Life insurance companies that do require a medical exam do so to reduce the risk they are taking on by insuring you.

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What policy types are available without a medical exam?

As mentioned above, there are two primary types of life insurance you can look at if you don’t want to go through a medical exam. Those two policy types can be described as:

  • No-exam – While you won’t have to have a medical exam with this policy, you may still undergo medical underwriting.
  • Guaranteed – This life insurance policy guarantees that you can get life insurance no matter your health status.

Both of these policies will cost more than traditional term or whole life insurance. This rise in cost is because the insurance company isn’t aware of any health issues that may have shown up in that exam.

What’s the best life insurance with no medical exam?

Which life insurance policy you need will vary depending on your situation. If you’re worried about something showing up specifically during an exam, then no-exam insurance is a more affordable option.

However, if you’re worried about something showing up in your medical underwriting as a whole, you should consider the guaranteed life insurance policy.

Does life insurance without a medical exam cost more?

When you purchase life insurance without a medical exam, you’re asking the insurer to turn a blind eye to any red flags that would show up in the underwriting or exam.

This is a considerable risk for the insurer and, because the underwriters will base your prices on risk, they will charge higher rates.

What is a life insurance medical exam?

When you undergo life insurance underwriting, your insurer will want to check every risk factor that might lead to your death. This includes your health in general, so it isn’t uncommon for an insurer to ask an applicant to undergo a medical exam.

During the medical exam, you can expect many of the standard experiences you would have during a routine physical. This can include:

  • Blood tests
  • Urinalysis
  • Medical history review
  • Checking height and weight

As you can imagine, an insurer ignoring these tests and discussions is putting itself at risk of having to pay out on a policy sooner.

How do insurers determine life insurance rates?

Insurers will determine your life insurance rates through a process called underwriting. This process involves the insurer examining anything in your life that could lead to you dying while the policy is still in force or before the insurer has made a profit.

During the underwriting process, you can expect the insurer to look at factors in your life like:

  • Health
  • Tobacco use
  • Family history
  • Hobbies

If the insurer finds something that they don’t like, it can raise your rates. Similarly, asking an insurer to overlook something like a medical exam will raise your rates to cover that risk.

However, according to the National Association of Insurance Commissioners, nearly all life insurers use automated underwriting procedures to determine customer risk.

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Life Insurance With No Medical Exam: The Bottom Line

Many of the best life insurance companies will offer you life insurance with no medical exam and no waiting period.

The main issue will be the cost that comes with an insurer taking on that level of risk. The best bet for savings will come with starting your policy early in life with a moderate death benefit.

Are you looking for life insurance companies that don’t require a medical exam? Enter your ZIP code into our free quote tool to see what you could pay for a no-exam policy today.