UPDATED: Jun 28, 2022

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Written By: Jeffrey JohnsonReviewed By: Benji CarrUPDATED: Jun 28, 2022Fact Checked

No medical exam life insurance coverage is exactly what it sounds like. It’s life insurance coverage without the hassle of a medical physical or the need to take a blood test.

Most life insurance companies and agents require medical evaluations and invasive testing, not to mention time. While there are plenty of reasons why someone would need life insurance with no medical exam and no waiting period, it may still be a good idea to try and let your provider ask the health questions necessary to ensure you get excellent coverage.

However you should be aware that such coverage is generally a little more expensive than regular rates.

If you need to compare insurance companies, we offer a free online comparison tool that can help you. It is our professional pleasure to help you find every no exam life insurance option possible via our network of providers.

What are some reasons you should consider a no medical exam life insurance policy?

You Need Insurance Coverage in Place as Quickly as Possible

More traditional types of life insurance require applicants to go through an extensive underwriting process that takes between 6 and 8 weeks on average to complete.

Situations this period of time may be too long include the following:

You Don’t Want to Take 6-8 Weeks to Protect Your Loved Ones

The traditional life insurance process with full underwriting can be long. You want the peace of mind that you have insurance in place at the earliest opportunity.

You Are Applying for an SBA Loan

The majority of SBA loans will not be issued until the borrower has a life insurance policy in place. If you have a loan application in process or are expected to apply for a loan in the near future, a non-med insurance policy can help you to put the required life insurance in place with minimum delay.

You Are in the Process of a Divorce

In some cases, one of the spouses may need to have life insurance coverage with his or her former spouse named as the beneficiary.

A non-med insurance policy can be ideal in situations in which you will be required to prove you have insurance coverage in place before the divorce can be finalized. It can be put into place within days and will prevent any delays in the divorce settlement.

You are in the process of selling or assigning pension rights or an alternative structured settlement income stream to a third party.

You may be required to have a life insurance policy in place that names the purchaser as the beneficiary.

This is designed to protect the purchaser from any losses he or she may incur if you die before all the required payments have been completed.

If You Have a Vacation or Long Time Out of the Country Planned

If you are planning on taking a vacation with very little notice, you will not have time to attend a medical examination and complete all the required forms. In such cases, a non-med insurance policy can be ideal.

How quickly can non-med insurance coverage go into effect?

If any of the above situations apply to you, you’ll be relieved to learn that some companies can approve your life insurance coverage within just a few days. In some cases, coverage can be arranged in a matter of minutes.

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What happens if you haven’t been able to see your doctor in a while?

The date on which you last visited the doctor can have significant ramifications on your ability to secure life insurance. In some cases, it can actually mean all the difference between your application being granted or denied.

If more than two years has passed since you last visited the doctors, it is important that you think carefully before applying for an insurance policy. You may THINK that you are in great health; however, there is a real chance you could be suffering from a medical condition that doesn’t become apparent until you have undergone a full paramedical exam.

Even if you did get a full clean bill of health during your last visit to the doctor, you have no real way of knowing what state your current health is in.

For example, any of the following may have changed:

  • Blood pressure
  • Blood sugar
  • Cholesterol
  • Lipids
  • Triglycerides
  • Urine protein content

The bad news is that just a minor change in any of the factors that are assessed as part of an insurance medical test will mean that your coverage costs more.

When applying for non-med insurance coverage, only the most recent information that is available in your records will be taken into consideration. As such, if all your statistics were at a good level last time you visited the doctors, why risk going through the medical examination?

There’s another important reason as to why you should think carefully about applying for traditional life insurance coverage.

The majority of insurers are members of a service that is operated by the Medical Information Bureau (MIB). This is pretty much a credit bureau for insurers that was created to help insurers share information in a bid to reduce fraud and increase efficiency.

The MIB holds a central information repository for applicants’ health and application data that can be accessed by any insurance companies. As such, if you take a medical examination and the results are not favorable, important information about the tests you completed will remain in a central system and impact all future life insurance applications.

So what’s the best approach?

If it has been a while since you visited the doctor and there is a risk your physical condition may have deteriorated, put non-med coverage in place first.

You can then later apply for a life insurance policy where you undergo the full underwriting process if you want to secure a better price for your coverage. In the event your health has deteriorated, and the life insurer offers you a high rate, you then have the ability to decline the insurance because you already have your non-med coverage in place.

On the contrary, if you get the all clear following the medical examination, you can cancel the non-med policy once the new coverage is in place.

This is a much better approach than doing things the other way round; i.e., applying for a non-med policy after being declined or offered a high rate for traditional coverage. Essentially, once an insurance company uncovers any negative information about your health, it will formally go down on record and will be accessible by all life insurance carriers, both med and non-med.

What if you have a phobia of doctors, needles, or blood?

If you find the prospect of undergoing a medical examination daunting, don’t worry; you are not alone. Many people have an inherent fear of visiting a doctor or clinic (white coat syndrome), and accessing medical facilities can cause these individuals a significant amount of stress and anxiety.

Interestingly, if you suffer from white coat syndrome, the anxiety you experience when you do undergo a medical examination may be enough to temporarily increase your blood pressure levels.

This could be an issue if you are undergoing a medical examination in a bid to obtain life insurance because a high blood pressure will raise a red flag to potential insurers.

In fact, blood pressure issues are one of the top reasons why insurers offer applicants a lower class of health coverage than they applied for.

You can completely avoid any fear and anxiety by skipping the medical examination altogether and securing non-med coverage.

What if you don’t want high value coverage?

If you are looking for life insurance coverage much in excess of $1 million, a non-med policy may not suitable for your needs.

Principal life insurance company offers coverage of up to $1 million without the requirement for completing a medical exam. However, applicants must be in excellent health to access these policies. As such, they are not suitable for everyone.

On average, the highest amount of coverage that is available on non-med policies is around $500,000. However, if you want more coverage than this, you can consider combining multiple non-med policies from different companies. This is completely legal and acceptable.

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Can you apply for whole and term life insurance without a medical exam?

You should consider no medical exam life insurance coverage as a “dome-like,” catch-all coverage plan. And under that dome is access to various kinds of life insurance coverage associated with the original no-physical coverage. For example, under the original dome-like coverage you would be assured final expense life insurance coverage, graded death benefit insurance coverage, life, and simplified life insurance coverage.

Overall, no exam life insurance coverage will be offered in two forms, guaranteed issue, and simplified issue.

When it comes to guaranteed issue life insurance coverage you should know that you don’t have to answer any medical evaluation questions. However, depending upon your case and circumstance you should know that there is a waiting period before the issuance of benefits. As for graded death benefit life insurance coverage, it is almost similar to guaranteed issue life insurance coverage.

You will have to answer a few questions however and it costs a little less than guaranteed issue coverage. Similar to term life insurance coverage, simplified issue term life insurance does not require any medical physical or evaluation.

However, coverage is offered immediately to qualified applicants. You should know that issuers of this kind of coverage will access and will check your MIB report. The Medical Information Bureau report is similar to a credit bureau report, but instead stores data about your medical history for use by insurance companies.

You may also have a pharmacy report and even a motor vehicle report that can be accessed for insurance purposes. We’ll cover this more in detail further below.

As for final expense life insurance coverage, you will have to answer medical questions for coverage issuance. Be warned that policy amounts tend to be less for this type of coverage, as in somewhere in the neighborhood of $5000 – $25,000.

You have to be in pretty good health to qualify for term life insurance coverage without undertaking a physical exam.

On a strictly individual and case-by-case assessment basis, people with moderate medical issues may still be able to qualify for coverage without the need for a medical evaluation. Obtaining no medical exam life insurance coverage is possible for individuals with conditions like epilepsy, MS or COPD with no medical physical required. However you may need to look around for this type of policy.

Additionally, life insurance coverage generally states that if you have controlled forms of asthma, diabetes, high blood pressure and cholesterol and similar controlled medical issues you typically need a physical, but there are some exceptions.

The only caveat is that the viability of your potential coverage would be contingent on the severity of your condition and exactly when you diagnosed with such a condition. If you have any of the above mentioned medical conditions, it really pays to check out your options when you are shopping around for life insurance coverage.

Too many people will give in,  consider themselves as uninsurable, and convince themselves that no company would dare insure them. However, if you or a life insurance company has listed you as uninsurable, this doesn’t mean that you need to give up. Your health conditions require attention, which means you may not be looking simply for traditional policies. There are plenty of other insurance polices out there that will offer you financial protection.

Final expense insurances, which is also known as Burial policies, features a lot of policy leniency in the underwriting coverage and fine print. Such smaller whole policies such as this, which again features no medical physical or exam, are guaranteed level for coverage in the area of $5,000 and all the way up to $25,000 in coverage. Such coverage would be available to you as long as you qualify, and for the rest of your life.

No Medical Exam Life Insurance Rates

It was not that long ago that this type of policy joined the other coverage options on the market, and that it was priced out of reach for many people. As more companies came in a and offered a no medical exam policy the price’s have been greatly reduced. If you are looking for coverage of $500,000.00 or less and you are in good health, there is no need for a fully underwritten plan. The examination would only save you a few dollars a month.

For a 50-year-old non-smoker who is listed as a preferred type of customer, looking for a 20-year term with coverage of $250,000.00 a fully underwritten policy would cost $58.05 per month, or $645.00 annual.

That same 50-year-old, for the exact same coverage with a no medical exam term life policy, would spend $61.42 per month, or $705.99 annual.  That is a difference of only $3.37 per month, to eliminate a big hassle. Though there are many more pros and cons to no exam life insurance to consider.

Term Life Insurance Over 50

If you are over the age of 50, you may want to seriously consider a no medical exam term life insurance policy. This type of plan will provide coverage for all of the same issues that a standard term life policy would, the only difference is the exam.  When you are looking for no exam life insurance in your 50s, you need to take several factors into account.

You may want to know the purpose of such coverage, how much you’ll need, and how long you’ll need it for. While they might seem like pretty basic questions to some, many times clients will be requesting quotes of $100,000.00 and after going through the expenses and what the exact purpose of the policy is we find that the coverage they actually need to accomplish their goals in much higher.

While everyone is aware of the most obvious expenses that need to be covered with a life insurance policy for someone age 50, many overlook some of the very basic expenses, such as future educational needs of children, or loss of retirement income from the passing of a spouse.

Other expenses that could increase greatly with the loss of a spouse or parent would be housekeeping, a surviving spouse may have to work fewer hours which would lower their income to do some of the duties that were share.

These things could include driving the children to events, cooking meals, laundry, home maintenance.  If the spouse is unable to perform these duties they will have to be hired out and the expenses grow.

To fully protect your family you need to pay careful attention to loss of income, remaining debt, funeral expenses, retirement income loss, and basic family and housekeeping duties.  One good rule of thumb but not always perfect for every situation would be to look at an amount of 10x earnings.

The term length of your life insurance policy is determined by how long you need this amount of coverage, for instance, when will a major expense be eliminated such as a mortgage or college tuition.  Once the major expenses are paid off it is time to re-evaluate your coverage needs.

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Companies for No Medical Exam Life Insurance Over 50 Policies

There are many companies now offering no medical exam term life insurance, which is great for the consumer, some of the top companies with the most competitive prices are:

  1. Sagicor:  Licensed in 45 states and has a rating of A- by A.M. Best
  2. Foresters: Licensed in 49 states, A+ by A.M. Best
  3. Assurity:  Company founded in 1890, nationwide and rating of A- by A. M. Best

These companies are just a few that offer this type of term life coverage, with more entering the niche every month.  With competition between the companies for your business or premium dollar, the rates for no medical exam life insurance are at the lowest point in years, which is a big win for you the consumer.

Do insurance companies already have access to a person’s medical information?

In addition to the information that would be provided by you on a questionnaire and application, you should be aware that all no medical exam life insurance companies have access to industry-eyes only medical and personal information databases. These databases function just like credit bureaus. Even if you have not seen a physician in years, information about your latest medical visit and personal life could be readily available to any insurance company that you seek coverage from. They just have to ask for it.

The following is a list of companies and reports that are readily available for companies to access.

The MIB: Medical Information Bureau

The Medical Information Bureau controls access to medical information on people who apply for life insurance coverage. Even if you don’t take a medical exam, your potential life insurance company may be getting recent to old medical information on you from the Medical Information Bureau.  If you have submitted medical information for previous insurance applications, they probably have it. And they offer this information to most insurance companies who request it.

Your Motor Vehicle Report

You’ve no doubt seen auto insurance companies that will state they look at a potential customer’s driving record. Your MVP is what they are referring to, and even though you don’t have to submit to a medical exam or offer blood tests to qualify for no medical exam life insurance coverage, it certainly doesn’t mean that an insurance company can’t access information on you another way.

Your motor vehicle report is fair game to any life insurance company that wants access to it. A company can judge your potential application based on your motor vehicle report history of moving violations, DUI’s, reckless driving, suspended licenses and anything else that has been reported in your driving history.

Your Pharmacy Report

Yes, there is such a thing as a pharmacy report. If you have ever taken out a prescription for medication, then chances are it is all listed in the pharmacy report. The pharmacy report is a database that collects the history of your pharmacy prescriptions. And just like a credit bureau, this information is readily available to any insurance company that requests it. So even if you don’t a medical evaluation or blood test, an insurance company can still get a sense of your overall health history.

Concluding Thoughts on No Medical Exam Life Insurance Acquisition

You should know that if you are in fair to good health that it may make more fiscal long-term sense to undertake a medical evaluation when applying for life insurance. We can supply you with rates in both circumstances and let you choose.

Understand that you are really just paying for the privilege of not undergoing a medical evaluation. No medical exam life insurance coverage is more expensive in comparison to undergoing a medical examination.

You should also know that there are situations where purchasing no medical exam life insurance may be the best play to undertake.

If you are shopping around for suitable no medical exam life insurance coverage, don’t forget about our comparison tool, which will help you to compare quotes from various companies. All you have to do is enter your ZIP code.

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.

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