The fast and simple questionnaire will show you coverage options to buy online. No medical exam or waiting period.
Answer our short medical health application to see if you qualify for immediate coverage.
Fixed monthly rates that will never change during the level term period of your no exam term life insurance policy.
NoExam.com only uses your information to provide instant online life insurance quotes. Select a quote and buy no medical exam life insurance online in under 15 minutes. Our carriers consist of A.M. BEST life insurance carriers with a proven track record of financial stability. Learn more about about the best life insurance carriers here. Shop no medical exam life insurance policies today. Getting an online life insurance policy is quick and easy with our secure online life insurance application.
Create your own monthly payment plan for your insurance coverage with our payment date options tool. With flexible payment options you can rest assured your policy premium payments are scheduled to your own convenience.
Your premium payments do not change at any point during the duration of your coverage.
If you are not fully satisfied with your no medical term life insurance policy you may cancel at any time within the first month and receive a full refund of your first months premium payment. A policy cancellation must be done within each applicants “free look” period.
National Life Group offers term life insurance with no medical exam. With thirty billion dollars in assets National Life Group is recognized by A.M. Best as an “A / Excellent” rated insurance provider with an outstanding financial outlook.
Founded in 1836, Legal & General currently operates with over three hundred billion in assets. With an A.M. Best rating of “A+ / Excellent”, Legal and General remains one of the top financial institutions in the country.
Metlife began its operation in 1868. Currently, Metlife is recognized as one of the largest carriers in the world boasting over seven hundred billion in assets. Their “A++ / Superior” A.M. Best rating puts them in a class of their own.
Sagicor Life Insurance Company specializes in no medical life insurance coverage for individuals up to age 65. Established in 1840, Sagicor has nearly six billion in assets and remains a reputable national coverage provider.
Mutual Of Omaha has been helping individuals secure coverage through the independent insurance agent channel since 1909. Holding an “A+ / Excellent” rating with A.M Best, along with being a fortune 500 company, has secured Mutual Of Omaha as a top provider in the United States.
It is a life insurance policy that does not require you to take the paramedical exam. Traditionally, buying a life insurance policy would require a nurse to come to your residence and administer an exam which included taking a blood and urine sample. You will hear it referred to as many different names, but it all refers to a term policy that does not require an exam. Some other names you will hear it called is simplified issue life insurance, non med life insurance, no exam life insurance, etc
Yes. With the vast amount of data available on every consumer, insurance providers are offering the option to skip the medical exam. We are at a point in time where our credit report, prescription report, family history, driving record, medical history, MIB (medical information bureau) check, and family medical history can determine risk almost as good as blood and urine analysis.
Currently the industry standard is $500,000. A few years ago it was $400,000, so you can expect that number to increase as more life insurance companies create new products. You can also stack policies, where you can purchase two $500,000 policies for a total of $1,000,000 of coverage.
There is not a catch. The cost will be slightly less cheap than it would be if you were to choose a product that requires an exam. The average consumer thinks it is too good to be true, but the reality of it is simple. It costs more to administer an exam than it does to check the numerous data sources to determine mortality risk.
This is why in the future all life insurance companies will be creating products that do not have the costly requirement of an exam. In a race to provide the best customer experience and pricing, the consumer wins as they are offered a cheaper product that is much easier to buy.
Life insurance rates depend on your age, gender, lifestyle, height and weight, and many other factors. Here is a page containing sample life insurance rates. You can see that depending on the term length, coverage amount, age, and gender the price can range from $10/month to over $100/month.
The life insurance products we sell here at NoExam.com are all term life insurance that do not require a medical exam. When you see no exam life insurance being advertised, it is almost always a term life insurance product. Of course you will always want to ask and verify that it is term life insurance if that is the type of policy you are looking for. As a consumer it is your responsibility to review your life insurance policy before signing it. It is also a good idea to only shop with reputable companies if you choose to buy online. Check their online ratings and BBB report to avoid a bad experience.
Whether you buy online or in person, you will be working with an agent. The difference with buying online is that the communication with an agent is minimized. The online experience allows you to shop rates and compare before buying. It also allows you to avoid the hard sale that some agents try to do with face to face clients.
It doesn’t make sense for an agent to drive out to your house several times for a life insurance policy that only costs $400 per year. This is why many face to face agents get a bad rap for trying to sell their customers expensive whole life policies that just aren’t necessary in most situations. They need to make that big commission, and get encouragement to up-sell you all the way to the bank. The online shopping experience avoids all of that.
For a no exam policy the decision time can vary depending on the company you choose. You can expect a decision in the range of 1 to 48 hours. Read more on life insurance approval times.
The only downside you could argue is that you might end up paying more for life insurance than you would if you took an exam. Though many policies are the same price. However, you don’t have to take time off of work to accommodate an appointment.
Depending on the company there will be limits to how much coverage you can buy and the term length depending on your age. For example, if you are 60 you will not find any companies willing to sell you a 30 year term policy without having you take an exam. See this article for info on no exam life insurance for seniors.
As long as it is term life insurance with level premium, the rate will not go up over time. We stress the importance of reading over your policy at the e-signature stage. It is your responsibility as a consumer.
Yes. The application for a non med term policy consists of medical questions, lifestyle questions, and family medical history questions. Answering yes to certain questions on the application can disqualify you.
Many health conditions are acceptable, though it is important to note that having certain health conditions can put you into the next health rating. Generally speaking, if you have existing health conditions you can still get coverage, but it may not be as cheap.
Most people under the age of 65 can obtain a life insurance policy without taking the exam. Depending on the life insurance company the coverage amount and term length you are eligible will vary the older you are. We have many customers looking for no exam life insurance over age 60, and we are able to help them get coverage in place.
Insurance companies perform many checks on applicants to determine risk. Your credit/financial profile, driving record, prescription report, and MIB (medical informations bureau) combined with the medical questionnaire is enough to determine if they can offer you life insurance coverage.
|Company Name||Financial Rating||Max Amount of No Exam Coverage||Ages Available||Average Approval Time||Get a Quote|
|Sagicor||A- Excellent||$1,000,000||18-65||24-72 hours||See Rates|
|North American||A+ Superior||$500,000||18-60||Less than 1 hour||See Rates|
|American National||A||$250,000||18-65||2-5 Days||See Rates|
|American Amicable||A+ Superior||$500,000||18-75||2-7 Days||See Rates|
|Phoenix||B||$500,000||18-80||1-7 Days||See Rates|
|Fidelity||A- Excellent||$250,000||18-65||1-7 Days||See Rates|
|Mutual of Omaha||A+ Superior||$400,000||18-65||2-5 Days||See Rates|
|Gerber||A||$100,000||18-50||7-14 Days||See Rates|
|Product Name||Terms Available||Riders Available||Phone Interview Required||Average Approval Time||Get a Quote|
|Sage Term (Sagicor)||10, 15, 20||Accidental death benefit, childrens term, waiver of premium||No||24-72 hours||See Rates|
|LifeVue Term (North American)||15, 20, 30||Accelerated Death Benefit||Yes||Less than 1 hour||See Rates|
|Signature Term Express (American National)||10, 15, 20, 30||Critital, Chronic and Terminal Illness||No||2-5 Days||See Rates|
|Term Made Simple (American Amicable)||10, 15, 20, 30||Critital, Chronic and Terminal Illness||No||2-7 Days||See Rates|
|Safe Harbor Term (Phoenix)||10, 15, 20, 30||Critical, Chronic and Terminal Illness, Unemployment||No||1-7 Days||See Rates|
|Fidelity||10, 15, 20, 30||Dependent child, accidental death, accelerated death benefit||No||1-7 Days||See Rates|
|Mutual of Omaha||15, 20, 30||Disability, waiver of premium, residential damage, refund all premiums||Yes||2-5 Days||See Rates|
|Gerber||10, 15, 20, 30||N/A||No||7-14 Days||See Rates|
Who are these companies, how long have they been in business, are they reputable? Well…
Sagicor is one of the most popular choices for customers looking for quick life insurance coverage. Their simplified issue policies can be approved in just minutes, and their rates are competitive with the other companies offering similar products. Sagicor has been in business for 175 years and has over 600,000 policy holders. They also are publicly traded with offices in FL, AZ, and OK. They currently have over $5 billion in assets. Read our full Sagicor life insurance review.
Another great choice for quick and easy coverage is North American. Their simplified issue policies can be issued instantly over the phone with an agent. They have been in business for over 100 years as part of Sammons Financial Group. North American is rated as A+ with AM Best, as opposed to Sagicor’s BBB-. They have more than 595,000 life insurance and annuity policies on the books, over $22 billion in assets, and $117 billion of life insurance in force.
Fidelity was founded in 1896 with the focus of assisting everyday middle Americans in getting life insurance coverage. The company holds an AM Best rating of A-, and has over $405 million in total assets. They currently have over $30 billion of life insurance policies in force. The simplified issue policies from Fidelity over coverage up to $1,000,000 with turnaround times in 24-48 hours.
Founded in 1926, United of Omaha has some great options for those in search of fast coverage. Their financial strength is rated A+ with AM Best. Their total assets come in at $38.5 billion and they have over $300 billion of life insurance in force.
What about price?
The following quotes are for a healthy, non smoking 35 year old female. The rates shown are for a 15 year term with $100,000 of coverage.
|Sagicor Sage Term||$100,000||15||$9.83|
|North American Life Vue Term||$100,000||15||$12.94|
|Phoenix Safe Harbor Term||$100,000||15||$17.35|
Where can I start?
To get a custom quote for a no exam life insurance policy from the top companies, click here. We offer customers the ability to compare different rates and apply online. Our licensed agents are available at 888-407-0714.