No Medical Exam Life Insurance Quotes

No Medical Exam Life Insurance Quotes 2017-08-25T00:47:00+00:00

No Medical Exam
Life Insurance Quotes


If you have been researching online for term life insurance coverage or even if this is your first stop in your search for term life insurance coverage you may have noticed the term “no medical exam life insurance quotes”. If you have come across this term you may have asked yourself, “is it possible to get life insurance coverage without having to take a medical exam?” If so, the answer is yes you sure can!

No medical exam term life insurance policies are a newer and exciting form of life insurance coverage. These types of life insurance policies are gaining a lot of popularity when considering life insurance possibilities.

Do all life insurance companies offer no medical exam term life insurance?

The answer to this question is no. No medical exam term life insurance policies are gaining significant popularity, but currently there are only a few life insurance companies that offer the option to purchase life insurance without a medical exam.

The life insurance companies that do offer a no exam life insurance option will all be different from one another, not just by price but how they are underwritten, how much death benefit can be obtained and how quickly an approval can be made. Below is a list of our top life insurance companies that offer no medical exam term life insurance policies.

Our Top No Medical Exam Life Insurance Companies

  • Transamerica No Medical Exam Life Insurance QuotePolicy name: Trendsetter Super
  • A.M. Best’s rating: A+
  • Type of policy: No medical exam term life insurance
  • Issue age: 18-70 (Depending on coverage length & amount)
  • Term Lengths: 10, 15, 20, 25 & 30 years
  • Underwriting classes: Standard Non-Smoker & Standard Smoker
  • Minimum coverage amount: $25,000
  • Maximum coverage amount: $99,999
  • Application type: Paper or electronic
  • Description of coverage: Transamerica Trendsetter Super term life insurance policies offer face amounts up to $99,999 of death benefit coverage with standard underwriting turnaround. No medical exam is needed with an examiner. You will need to answer medical questions on the application.

Note: Although underwriting may take a little longer, Transamerica has some of the best underwriting and are less strict when compared to the other no medical life insurance companies available. You do not need to be in perfect health to qualify for this coverage.

  • Sagicor No Medical Exam Life Insurance QuotePolicy name: Sage Term
  • A.M. Best’s Rating: A-
  • Type of policy: No medical exam term life insurance
  • Issue age: 18-65 (Depending on coverage length)
  • Term Lengths: 10, 15 & 20 years
  • Underwriting classes: Preferred Non-Smoker, Preferred Smoker, Standard Non-Smoker, Standard Smoker & Rated
  • Minimum coverage amount: $50,000
  • Maximum coverage amount: $500,000
  • Application type: Paper & Electronic
  • Description of coverage: Sagicor Sage Term no medical exam life insurance policies offers face amounts up to $500,000 of death benefit coverage with a very quick 15 minute underwriting turnaround!! No medical exam is needed with an examiner. You will need to answer medical questions on the application and a telephone interview may be required.

Note: Underwriting can be fast and in some cases an approval can be made in as little as 15 minutes. However, Sagicor’s no medical exam underwriting can be a bit on the tougher side. You do not need to be in perfect health to qualify but beware that many prescribed medications will not qualify for their no exam coverage.

  • Fidelity Life Insurance No Exam Life Insurance QuotePolicy name: Rapid Decision Express
  • A.M. Best’s Rating: A+
  • Type of policy: No medical exam term life insurance
  • Issue age: 18-65 (Depending on coverage length)
  • Term Lengths: 10, 15, 20 & 30 years
  • Underwriting classes: Standard Non-Smoker & Standard Smoker
  • Minimum coverage amount: $25,000
  • Maximum coverage amount: $250,000
  • Application type: Electronic
  • Description of coverage: Fidelity Life Insurance Rapid Decision Express life insurance policies offers face amounts up to $250,000 of death benefit coverage with a fast 24-48 hour underwriting turnaround. No medical exam is needed with an examiner.

Note: In order to qualify for coverage, you will need to answer (NO) to all medical questions on the application.

  • American National No Medical Exam Life Insurance QuotePolicy name: ANICO Signature Term Express
  • A.M. Best’s Rating: A
  • Type of policy: No medical exam term life insurance
  • Issue age: 18-65 (Depending on coverage length)
  • Term lengths: 1, 10, 15, 20 & 30 year
  • Underwriting classes: Standard Non-Smoker & Standard Smoker
  • Minimum coverage amount: $50,000
  • Maximum coverage amount: $1,000,000
  • Application type: Paper or electronic
  • Description of coverage: ANICO Signature Term Express life insurance policies offer face amounts up to $1,000,000 of death benefit coverage with a quick 48-72 hour underwriting turnaround. No medical exam is needed with an examiner.

Note: Although underwriting is fast, underwriting is tough. You will need to be healthy to qualify for this coverage.

  • Assurity No Medical Exam Life Insurance QuotePolicy name: LifeScape NonMed Term 350
  • A.M. Best’s Rating: A-
  • Type of policy: No medical exam term life insurance
  • Issue age: 18-65 (Depending on chosen term coverage length)
  • Term lengths: 10, 15, 20 & 30 year
  • Underwriting classes: Standard Non-Smoker & Standard Smoker
  • Minimum coverage amount: $50,000
  • Maximum coverage amount: $350,000
  • Application type: Paper or electronic
  • Description of coverage: Assurity LifeScape NonMed Term 350 life insurance policies offer face amounts up to $350,000 of death benefit coverage with a 10-14 business day underwriting turnaround. No medical exam is needed with an examiner.

Note: Although underwriting is a little longer than the other no medical companies, their underwriting is a little less strict then most. Assurity has very good rates for tobacco users.

Additional No Medical Exam Life Insurance Resources

How are no medical exam life insurance policies similar to each other?

The 5 no medical exam life insurance companies listed above are all great companies and can benefit you in their own ways depending on your current situation and life insurance needs. Top Quote Life Insurance represents all (A) rated no medical exam life insurance companies on the life insurance market. All no medical exam life insurance underwriting is much faster than traditional term life insurance underwriting involving a medical exam. No medical exam life insurance companies have maximum amount of death benefit coverage available.

NOTE: If you require additional death benefit coverage, consider applying with a second no medical exam life insurance company.

What do no medical life insurance companies check for during underwriting?

Unfortunately, no medical exam life insurance does not mean you are guaranteed to be approved. When you apply for a no medical life insurance policy you will need to go through an underwriting process. With that said, you are probably wondering how the policy is underwritten if you are not being required to take a medical exam. The majority of all no medical exam life insurance companies will consist of these 4 underwriting requirements:

  1. Medical Questionnaire – The application for coverage will consist of questions regarding your medical history. Some life insurance companies will require more information than others.
  2. MIB Search – MIB or Medical Information Bureau is a cooperative data exchange formed by the North American life insurance industry in 1909. MIB operates a database of medical information on individuals who have applied for health insurance, life insurance and other types of insurance coverage.
  3. MVR Search – MVR or Motor Vehicle Report – During the underwriting process, the underwriter will check your MVR for major violations. Major violations would consist of excessive moving violations, DUIs, suspended licenses and reckless driving.
  4. Rx Check (Prescription Report) – Similar to the MIB, the Rx check or prescription check is a database of a list of pharmacy prescribed prescriptions that you have taken.

The life insurance companies have their outside sources to help them accurately underwrite your policy. It is always best to answer all of the questions on the application honestly and to provide details when necessary so underwriting can be a quick and easy process.

Is a no medical exam life insurance policy for you?

Due to the popularity of no medical exam life insurance policies, there has been a large demand for quote request from our online customers at Top Quote Life Insurance. For many of our online customers it is a perfect choice when considering life insurance coverage but of course this type of life insurance coverage may not be for everyone for a variety of reasons.

Consider a no medical exam life insurance quote if:

You live a busy life and need quick life insurance coverage now. 

No medical exam life insurance policies are ideal for individuals that need life insurance coverage quickly. This type of coverage is perfect for busy moms and dads who are constantly on the move with work, family activities and just don’t have the time to wait on traditional underwriting. No medical exam life insurance policies also work great if you need life insurance coverage to secure a bank loan, in which the policy needs to be collaterally assigned to the bank in a hurry. “Leaving to go on vacation and worried about not having life insurance coverage?” Consider purchasing a no medical life insurance policy.

You haven’t visited with your doctor for a checkup in awhile. 

When was the last time you visited with your doctor and had lab work done? Has it been a while? If so, you may want to consider a no medical exam life insurance policy. You may think you are healthy and you very well may be, but what if there is a chance your cholesterol, glucose, triglycerides or any other levels that are tested for have unknowingly changed?

An elevated lab test can result in a significantly higher premium or even worse, a decline in coverage. Remember, no medical exam life insurance policies do not require you to be in excellent health, however you need to be healthy. If it’s been a while since you had lab testing done, consider purchasing a no medical exam life insurance policy.

You don’t require more than $1,000,000 in coverage.  

If you do not require more than $1,000,000 in life insurance coverage, consider a no medical exam life insurance policy. If you are in good health, you can instantly secure up to $1,000,000 in death benefit coverage. Need more? Consider purchasing an additional policy with a second no medical exam life insurance company.

Needles, blood and high blood pressure readings? No thank you, I’ll pass.  

Have a fear of needles, blood draws or blood pressure readings? Then there is no doubt that a no medical exam life insurance policy is the perfect choice for you!

You’re okay with paying a little more for instant convenient coverage.  

Yes, there is a little catch to no medical life insurance policies and it involves the price you are going to pay for quick convenient coverage. Don’t worry though it’s not as bad as you might think. A majority of the time it’s as little as double of what you would pay when taking a medical exam.

Example: Male age 45

Transamerica Trendsetter Super 10 Year Term $100,000 approved standard non-smoker with a medical examMonthly premium = $20.48

Transamerica Express 10 Year Term $100,000 approved standard non-smoker without medical exam. Monthly premium = $30.63

You are in good health.

No medical exam life insurance is a great option for life insurance coverage. Our commitment to you is to make sure you are getting the best price for your life insurance. Once we have received your request for coverage, we will review it with you. If we think you could do better with traditional term life insurance we let you know and provide you with rates for both options. If no medical exam life insurance simply makes more sense for your situation, then by all means we will do everything we can to get you approved and covered right away.

If the idea of a no medical exam life insurance policy is for you and you would like to discuss it further with a Top Quote Life Insurance agent, please feel free to call us toll free at (888) 777-7574. We will go over a few medical questions and recommend the best no medical exam life insurance policy for you and your situation.