No-Exam Life Insurance

Last updated: December 9, 2025 Recently updated

No-Exam Life Insurance Guide

Life insurance without medical examination requirements

Not sure what coverage you need? Take our free 2-minute quiz to get personalized insurance recommendations.

What is No-Exam Life Insurance?

No-Exam Life Insurance provides essential protection for you and your family. Understanding how it works helps you make better coverage decisions.

Key Features

Coverage details and benefits
What’s typically included
Common exclusions to be aware of
Cost factors that affect premiums

Who Needs No-Exam Life Insurance?

Learn whether this type of coverage is right for your situation and how to determine the appropriate coverage amount.

How to Choose a Policy

Tips for comparing policies, understanding terms, and finding the best value for your needs.

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Term Life Insurance - Traditional coverage with medical exam
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Frequently Asked Questions

Common questions about no-exam life insurance answered.

Frequently Asked Questions

How does no-exam life insurance work?

No-exam life insurance skips the medical exam required for traditional policies. Approval is based on your application answers and may include prescription database checks, MIB (Medical Information Bureau) checks, or electronic health records review. Decisions are often made within days instead of weeks.

Is no-exam life insurance more expensive?

Generally yes—insurers charge more because they have less health information to assess risk. However, for healthy applicants, the premium difference may be modest, and the convenience may be worth it. People with health issues might pay significantly more or face coverage limits.

How much no-exam life insurance can I get?

Coverage limits vary by company and your health profile. Many insurers offer up to $500,000-$1 million without an exam for healthy applicants. Instant-issue products with minimal underwriting typically cap at $100,000-$250,000. Higher amounts usually require full underwriting with an exam.