No medical exam policies don't require you to take an exam. They provide the same coverage as policies that require a medical exam. They offer the same coverage with a more convenient buying process.
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Fixed rates that will never change. All policies are term policies with level premium.
NoExam.com uses your information to provide instant online life insurance quotes. Select a quote and apply for 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. Getting a life insurance policy is quick and easy.
Create your own payment plan. Schedule your payments for 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 policy you may cancel at any time within the first month. You will receive a full refund of your first months premium payment. A policy cancellation must be within each applicants “free look” period.
Almost all life insurance companies offers term life insurance with accelerated underwriting. This is industry speak for a term life policy that does not require an exam. Big companies like Transamerica, AARP, Metlife offer no medical exam life insurance. See some of the top companies profiled below.
Sagicor is one of the most popular choices for customers looking for quick coverage. Their no medical 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 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 medical 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 have over $30 billion of life insurance policies in force. The no medical exam policies from Fidelity over coverage up to $1,000,000. They offer decisions 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.
When applying for life insurance coverage, it’s important to review the different types of life insurance available. It is also important to compare life insurance rates. When it comes to a no exam policy there are several types of products available. Simplified issue life insurance is a term life insurance policy. This type of policy requires you to answer health questions. It provides a death benefit and a level term premium that does not increase. It's a common choice for those looking for fast coverage, mortgage life insurance, part of a divorce settlement, or those that simply don't want to have an exam.
A no exam life insurance policy is generally completed faster than a traditional fully underwritten life insruance policy.
The face amounts available for no medical exam term life insurance go up to $1,000,000. Older applicants like senior citizens may not be eligible for higher coverage amounts. No medical exam life insurance does not require the physical exam with blood and urine tests. Applicants are still required to answer medical questions.
The underwriting process involves the insurance company checking medical records from the Medical Information Bureau such as the prescription report. Other insurance products like guaranteed issue life insurance also do not require an exam. Guaranteed issue life insurance allows you to get coverage regardless of past or present health conditions. Guaranteed issue is an option for those with serious health conditions. Accidental death policies can also be an option for those in poor health.
If you are looking for term life insurance, you can apply on our website. If you think you need a guaranteed issue life insurance policy please call 888-407-0714 to speak with an insurance agent. We can also help you decide if whole life insurance is right for you.