The application process is easy. The 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 have the paramedical exam. Buying a life insurance policy comes with an invasive medical exam, unless you opt for a no exam policy. You will hear it referred to as many different names, but it all refers to a term policy that does not need the exam.
Yes. All thanks to big data. Almost all insurance companies offer term products without the exam. All the available data can determine risk almost as good as blood and urine analysis.
Currently the industry standard is $1,000,000. Up until recently it was $400,000. You can expect that number to increase as demand grows. You can also stack policies, where you can buy two $500,000 policies for a total of $1,000,000 of coverage.
There is not a catch. The cost will be 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 have an exam than it does to check the many data sources to determine mortality risk.
Life insurance companies are creating products that do not have the costly need of an exam. It is a race to provide the best customer experience and pricing. The consumer wins as they get a cheaper product that is easier to buy.
Life insurance rates depend on your age, gender, height and weight, and many other factors. Here is a page containing sample life insurance rates. Depending on the term length, coverage amount, age, and gender the price can range from $10/month to over $100/month.
All the life insurance products we sell are term life insurance. . When you see no exam life insurance advertised, it is almost always a term life insurance product. Of course you will want to ask and verify that it is term life insurance if that is the type of policy you are looking for. 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 shrinks. The online experience allows you to shop rates and compare before buying. It also allows you to avoid the hard sell that some agents try to do with face to face clients.
It is not worth it to an independent life insurance agent to sell you a $400 policy. Many face to face agents get a bad rap for trying to sell clients expensive policies that aren’t necessary. 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 that.
Yes. Everyday thousands of consumers buy no medical exam life insurance online. There are dozens of companies offering this service, including us here at NoExam.com.
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 Read more on life insurance approval times.
You might end up paying more for life insurance than you would if you took an exam. Though many policies are the same price. With our policies you don’t have to take time off of work to accommodate an appointment.
There are limits to how much coverage you can buy and the term length depending on your age. For example, if you are 60 you wont find companies willing to offer a 30 year term policy without 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 consists of health questions, lifestyle questions, and family medical history questions. Answering yes to certain questions on the application can disqualify you.
Many health issues are acceptable. It is important to note that having certain medical conditions like high blood pressure can put you into the next health class. 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 get a life insurance policy without taking the exam. The coverage amount and term length you are eligible will vary the older you are. Every day we have customers looking for no exam life insurance over age 60, and we help them get coverage in place.
Insurance companies perform many checks on applicants to determine risk. They check credit profile, driving record, prescription report, and MIB (medical informations bureau). This combined with the medical questions can determine if they can offer 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 coverage. Their no exam policies can get approved in minutes, and their rates are competitive. 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 no exam policies can get issued in real time over the phone with an agent. They have been in business for over 100 years as part of Sammons Financial Group. North American gets 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. They also have over $22 billion in assets and $117 billion of life insurance in force.
Fidelity began with the focus of helping middle Americans get life insurance. 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 no exam 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 rates 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.