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No Medical Exam Life Insurance Quotes

No Medical Exam

Up to $1 Million in Coverage

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Have you been searching online for life insurance coverage? Have you come across “no medical exam life insurance quotes?” If you have seen this, you may be wondering if it is possible to really get a life insurance policy without a medical exam?

The quick answer is yes, you sure can. However, there is some important information you will need to know about this type of life insurance coverage. Our guide will teach you everything you need to know about no medical exam life insurance.

We will also as give you some insider tips as to who the best no medical exam companies are and what benefits they can provide to you.

Instant No Medical Exam Quotes

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When shopping for a no medical exam life insurance policy, you can save up to 70% by comparing rates using our instant online quote comparison tool?

Skip The Medical Exam

  • No Exam Appointments
  • No Blood Test
  • No Urine Test
  • No Blood Pressure Readings

Consider No Exam

  • Up to $1,000,000 in Coverage
  • Easy Online Application Process
  • Fast Approval Times
  • Very Affordable Rates

Do All Life Insurance Companies Offer A No Medical Exam Option?

No, not yet, but we think it’s coming. The option to apply for life insurance coverage without having to go through a medical exam is still relatively new.  Since its introduction to the insurance industry, several companies have jumped on board now offering it as a preferred life insurance option. 

No exam life insurance will differ from company to company. This is not just by price but also on how the coverage will be underwritten, how much death benefit can be obtained, and how quickly an approval can be made.

Life Insurance Companies Without a Medical Exam Comparison Chart

Insurance Company

Product

Type

Issue Ages

Coverage Amounts

Approval Time

Accordia Life

Accordia Life No Medical Exam Life Insurance

Fast Lane

Term & Permanent

18 – 60

$25,000 – $1,000,000

3 Days

American Amicable

American Amicable No Medical Exam Life Insurance

Term Made Simple

Term

18 -75

$50,000 – $400,000

3 – 14 Days

ANICO

ANICO No Medical Exam Life Insurance

Xpress Plus

Term & Permanent

18 – 60

$25,000 – $1,000,000

48 – 72 Hours

Assurity

Assurity No Medical Exam Life Insurance

Accelerated UW

Term

18 – 65

$25,000 – $500,000

Instant

Banner Life

Banner No Medical Exam Life Insurance

APPcelerate

Term

20 – 50

$100,000 – $1,000,000

2 – 4 Days

Fidelity Life

Fidelity Life No Medical Exam Life Insurance

Rapid Decision Express

Term

18 – 65

$25,000 – $250,000

24 – 48 Hours

Foresters

Foresters No Medical Exam Life Insurance

Non-Medical UW

Term & Permanent

18 – 80

$50,000 – $400,000

Instant

John Hancock

John Hancock No Medical Exam Life Insurance

SmartProtect

Term

20 – 60

$100,000 – $1,000,000

2 – 4 Days

Lincoln Financial

Lincoln Financial No Medical Exam Life Insurance

Lincoln TermAccel

Term

18 – 60

$100,000 – $1,000,000

2 – 7 Days

Motorists Life

Motorists Life No Medical Exam Life Insurance

Real-Time Term

Term

16 – 70

$25,000 – $500,000

Instant

Mutual of Omaha

Mutual of Omaha No Medical Exam Life Insurance

Express Underwriting

Term

18 – 70

$25,000 – $300,000

7 – 14 Days

Nationwide

Nationwide No Medical Exam Life Insurance

Intelligiant Underwriting

Term & Permanent

18 – 60

$100,000 – $1,000,000

7 – 14 Days

North American

North American Company No Medical Exam Life Insurance

Write Away

Term & Permanent

18 – 60

$25,000 – $1,000,000

48 – 72 Hours

Pacific Life

Pacific Life No Medical Exam Life Insurance

Smooth Sailing Underwriting

Term & Permanent

50 – 69

$100,000 – $1,000,000

7 – 14 Days

Principal

Principal No Medical Exam Life Insurance

Accelerated Underwriting

Term & Permanent

18 – 60

$50,000 – $1,000,000

24 – 72 Hours

Protective

Protective No Medical Exam Life Insurance

PLUS

Term

18 – 60

$100,000 – $1,000,000

48 – 72 Hours

Prudential

Prudential No Medical Exam Life Insurance

PruFast Track

Term & Permanent

18 – 60

$100,000 – $1,000,000

24 – 72 Hours

Sagicor

Sagicor Life No Medical Exam Life Insurance

Accelewriting

Term & Permanent

18 – 65

$50,000 – $1,000,000

2 Minutes

SBLI

SBLI No Medical Exam Life Insurance

Accelerated Underwriting

Term & Permanent

18 – 60

$100,000 – $500,000

24 – 72 Hours

Transamerica

Transamerica No Medical Exam Life Insurance

Non-Medical

Term

18 – 60

$25,000 – $249,999

2 – 5 Days

How Does Traditional Underwriting with an Exam Work?

If you’re looking for the absolute best rates for life insurance, don’t be surprised if you’re asked to take a medical exam. Many life insurance companies still require a traditional underwriting process to qualify for their top rates. To qualify, you will be required to complete a necessary medical exam.

Underwriting begins after you have applied to the life insurance company to apply for their insurance coverage. Underwriters calculate your risk to the insurance company and assign you a health risk classification. The insurance company offers a premium based on the health risk classification you have qualified for as the result of underwriting.

If you are a higher risk, you will often receive a higher premium for your coverage. Those in good health with no existing medical issues will often have less of a chance of dying before the end of the policy, resulting in lower premiums. A fully underwritten policy requires a comprehensive look at your medical and health background.

To analyze your risk, the underwriter examines the following:

  • Medical Exam – An exam provided by the insurance company in which a licensed examiner visits with you to collect blood pressure readings, blood sample, urine sample, and height & weight check. 
  • Medical Questionnaire – The application for coverage will consist of questions regarding your medical history. Some life insurance companies will require more information than others.
  • 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.
  • MVR Search – MVR or Motor Vehicle Report – During the underwriting process, the underwriter will check your MVR for significant violations. Major violations would consist of excessive moving violations, DUIs, suspended licenses, and reckless driving.
  • 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.
  • Attending Physicians Statement (APS) – This is another name for your medical records. Depending on what your results return, the underwriter may need further information to complete their review. If this happens, the underwriter may reach out to your primary physician to review a copy of your medical records. This is not always a part of the underwriting process.

The underwriting process starts with the information you provide you provide on the application. An application often includes a health questionnaire for the initial evaluation. It may consist of necessary details, such as your weight, height, and medical history.

To verify your answers, underwriters may require a medical exam. Underwriters also use the exam to look for conditions that lower your mortality.

These exams typically take about 30 minutes. For your convenience, many insurance companies can arrange for at-home or in-office exams.

The exam also tends to include blood/urine screening. The sample tests for various health conditions potentially not discovered during a routine exam, such as tobacco use, cholesterol, diabetes, HIV/AIDS, or the use of recreational drugs.

The medical exam is a standard part of the traditional underwriting process, but it is just one component. Underwriters may also research your prescription history and request an attending physician statement (APS). 

The APS provides insurance companies with an overview of your health, including the presence of any chronic medical conditions. Issues such as diabetes, cancer, asthma, sleep apnea, and dementia may impact your premiums.

Insurance companies may also review your driving record. Your motor vehicle report (MVR) includes any documented violations, including traffic citations, DUI arrests, or accident reports. It covers a period of up to five or seven years.

After reviewing these details, the underwriter assigns your insurance classification and uses an actuarial table to determine your risk to the insurer. 

The fully underwritten process may take two to eight weeks. The amount of time depends on the insurance company, the type of policy, and how quickly the underwriter receives the required documents.

With no medical exam policies, the underwriting process moves much quicker. You may receive coverage in a matter of days or even within the same day of applying.

How Are No Medical Exam Policies Underwritten?

Life insurance companies that offer the option to apply without a physical or medical exam will underwrite applications pretty similar to those that require an exam. 

Several of the same underwriting tools are utilized to underwrite the life insurance application and verify responses to personal and health-related questions. 

The significant difference is that when you apply for a no medical exam life insurance policy, you are skipping the medical exam portion. This means that you will not be required to meet with an examiner to do any lab testing.

With the advancements in technology, life insurance companies can utilize several underwriting tools to help assist in underwriting an application. For example, let’s say you’re being treated for high blood pressure or even diabetes. A simple run of your prescribed prescriptions is going to disclose that you are being treated for one of those conditions.

The life insurance company didn’t even need an exam to provide them this information.  

Underwriting a no exam application will rely heavily on the use of the other underwriting tools such as:

  • Telephone Interview
  • Medical Questionnaire
  • Medical Information Bureau (MIB)
  • Prescription Check (Rx)
  • Motor Vehicle Report (MVR)
  • Fair Credit Reporting Act (FCRA)

Can You Get Good Rates With No Exam Life Insurance Policies?

Yes, you absolutely can.

We have spent some time discussing the underwriting process for both life insurance with an exam and no exam life insurance options. As mentioned, underwriting is the main factor when it comes to determining your health risk classification. Your health risk classification is what determines your life insurance rates. 

The primary health risk classifications include:

  • Preferred Plus
  • Preferred
  • Standard Plus
  • Standard
  • Preferred Tobacco
  • Standard Tobacco
  • Substandard

The best health classification begins with preferred plus and will result in the lowest premiums. The substandard category offers the highest premiums and is typically reserved for those with higher risk health conditions.

When no medical exam life insurance first came out, the best available health class was standard or substandard. Because of this, the rates for a no medical exam life insurance policy were not nearly as competitive to a life insurance policy that required a medical exam. It did, however, offer convenience to those looking for fast coverage without the need of having to take an exam. This, in itself, was worth the extra cost to most people.

However, over time, several companies have started to include the preferred health class as an option for qualifying healthy applicants. With these new improvements, rates for no medical exam life insurance coverage are right on par with coverage that requires a medical exam.  

What Type of Life Insurance Does Not Require a Medical Exam?

Nowadays you can find several life insurance companies offering no medical exam options for both temporary and permanent life insurance coverage. This includes coverage options such as term life insurance, universal life insurance, whole life insurance, and final expense life insurance.

However, there are a few differences between the different types of available no medical options and how they are processed and underwritten. The four types of underwriting associated with no medical exam policies include:

  • Accelerated Underwriting
  • Simplified Issue Underwriting
  • Graded Benefit Underwriting
  • Guaranteed Acceptance Underwriting

Accelerated Underwriting (AUW)

Accelerated underwriting or (AUW) is the newest form of no medical exam coverage. As with the other types of no medical exam life insurance policies, AUW does not require an exam or blood/urine tests. Qualifying for an accelerated acceptance life insurance policy will provide the best rates for coverage.

For many insurers, AUW offers a suitable middle ground between simplified issue underwriting and fully underwritten policies. With accelerated underwriting applicants may qualify for the preferred health classification without a medical exam. This makes AUW an efficient alternative to fully underwritten policies, especially if you are healthy and can meet the guidelines of the program.

The accelerated underwriting program is designed not only to offer the best rates but also the quickest approval times.

The process typically begins with a quick and straightforward online application ticket. Once the company receives the ticket, a telephone application interview is conducted. The interview typically lasts 30-45 minutes and consists of both personal and health-related questions.

Who can qualify for accelerated underwriting?

Accelerated underwriting can be difficult for applicants with health conditions to qualify. You need to have no significant health issues or you could be required to take an exam.

Those with a history of cancer, stroke, diabetes, heart disease, or any other significant disease may not qualify. Other requirements include no more than one prescription medication, no DUIs, and no more than two traffic tickets in the past three years.

Simplified Issue Underwriting

Simplified issue underwriting was the first of the no medical exam options to be offered on a life insurance policy. These policies are perfect for people who may have minor health issues that would typically prevent them from qualifying for under an accelerated underwriting program. 

Since simplified underwriting is more acceptant to certain health conditions, underwriting tends to be a bit longer especially if medical records are needed to help with underwriting. Applicants with no negative health may qualify within a few days from applying.

Simplified issue policies may include the term, whole life, or universal life products. Many final expense policies also use the simplified underwriting process.

Who qualifies for simplified issue underwriting? About 60% of adults who apply will qualify for standard or better rates. You need average to excellent health and no history of certain health issues. Cancer, heart disease, stroke, or immune disorders may disqualify you.

Graded Benefit Underwriting

Graded death benefit underwriting is commonly associated with the type of life insurance called final expense or burial insurance policies. These are small whole life insurance policies that are purchased mainly for covering funeral costs and any other small remaining debts. 

These plans generally offer a maximum amount of death benefit coverage of $50,000 along with the potential of cash value growth.

The application process is underwritten using the same guidelines of the simplified issue but is much more lenient on accepting applicants with riskier health conditions.

The only downside to this coverage is the graded death benefit part. Since this coverage will often accept medical conditions that are considered to be high risk, there is a two-year before 100% of the death benefit is payable. This means that if you pass away in policy year one or two, the only payable benefit is a full return of premium payments and interest of generally 10%. 

After the second policy year, the full death benefit is payable.

Guaranteed Acceptance

As the name suggests, guaranteed acceptance underwriting guarantees coverage, no matter your health. These policies do not require medical exams or health questions.

The underwriting process for guaranteed acceptance policies is often rapid. Many policies are approved within 24 to 48 hours. Most guaranteed acceptance plans are whole life policies, providing coverage for life with a benefit paid to your beneficiaries after your death.

Guaranteed acceptance underwriting also comes with a few limitations:

  • Lower coverage amounts
  • 2-year graded death benefit
  • Expensive premiums

Some companies may offer higher benefits, but the average available amount is between $5,000 and $25,000. This coverage is graded death benefit coverage, so the full death benefit is not payable until policy year three.

The main drawback is the cost. Guaranteed acceptance is the most expensive type of no medical exam life insurance. However, it comes with the most straightforward underwriting process, which is mostly due to it having no health questions asked.

Who qualifies for guaranteed acceptance? Anyone, as long as qualify based on the age guidelines. You cannot be turned down for health issues or lifestyle habits. This is a good option for those that cannot qualify for other insurance policies.

How Much Life Insurance Can You Get Without A Exam?

This is very important as there is a limit on the total amount of coverage that you can get without a medical exam. Coverage amounts will vary by the insurance company, your age, and even the type of coverage being applied for. 

Here we broke down the general industry guidelines on the maximum amount of death benefit coverage that can be obtained without an exam. 

  • Accelerated Underwriting: Up to $1,000,000
  • Simplified Underwriting: Up to $1,000,000
  • Graded Benefit Underwriting: Up to $50,000
  • Guaranteed Acceptance: Up to $25,000

As mentioned, age is also a big determining factor. Applicants over the age of 50 will be limited to lesser amounts. To help you navigate through which no medical exam companies are going to be best for you, we put together an in-depth list as to what each life insurance company can offer you with their no exam coverage. 

2019 Top 20 Best No Medical Exam Life Insurance Companies

2019 Best No Medical Exam Life Insurance Companies

  1. Accordia Life
  2. American Amicable
  3. ANICO
  4. Assurity
  5. Banner Life
  6. Fidelity Life
  7. Foresters
  8. John Hancock
  9. Lincoln Financial
  10. Motorists Life
  11. Mutual of Omaha
  12. Nationwide
  13. North American
  14. Pacific Life
  15. Principal 
  16. Protective
  17. Prudential 
  18. Sagicor
  19. SBLI
  20. Transamerica

Accordia Life

Accordia Life No Medical Exam Life Insurance

Accordia Life Fast Lane Underwriting

AM BEST RATING:A = (Excellent)
ISSUE AGES:18 – 60
COVERAGE OPTIONS:Term Life Insurance
Permanent Life Insurance
DEATH BENEFIT AMOUNTS:$25,000 – $1,000,000
HEALTH CLASSES:Preferred Plus, Preferred, Standard Plus & Standard
APPLICATION TYPE:Paper
TELEPHONE INTERVIEW:Yes
EXAM POTENTIAL:Could be required
UNDERWRITING:Telephone Interview, Public Records Search (credit info, court records, property records), MIB, MVR, Prescription
FASTEST APPROVAL TIME:72 Hours

  • Policy Name: Global Atlantic Term Life Insurance 
  • Type of Policy: Term
  • Issue Ages: 18-60
  • Term Lengths: 10, 20 & 30 year policies
  • Minimum Coverage Amount: $50,000
  • Maximum Coverage Amount: $1,000,000
  • Coverage Caps:
    Ages 18-50: $50,000 – $1,000,000
    Ages 51-55: $50,000 – $500,000
    Ages 56-60: $50,000 – $250,000
  • Included Riders: Accelerated Death Benefit (Terminal Illness Only)
  • Optional Riders: Accidental Death Benefit, Additional Insured, Children’s Insurance, Waiver of Premium

Highlights: The Additional Insured rider allows for up to three family members to be covered under the same life insurance policy for up to 10 years. After the 10th policy year, the family members will be given the option to convert coverage into permanent life insurance without any evidence of insurability. 

  • Policy Name: Global Atlantic Lifetime Assure UL 
  • Type of Policy: Universal Life
  • Issue Ages: 18-60
  • Contract Length: Permanent
  • Guaranteed Interest Rate: 3%
  • Minimum Coverage Amount: $50,000
  • Maximum Coverage Amount: $1,000,000
  • Coverage Caps:
    Ages 18-50: $50,000 – $1,000,000
    Ages 51-55: $50,000 – $500,000
    Ages 56-60: $50,000 – $250,000
  • Included Riders: Accelerated Access Rider (Chronic Illness), Accelerated Death Benefit (Terminal Illness), Overloan Protection Rider, Waiver of Surrender Charge Due to Confinement Rider
  • Optional Riders: Accidental Death Benefit Rider, Additional Insured Rider, Children’s Insurance Rider, Guaranteed Purchase Option Rider, Primary Insured Rider, Waiver of Monthly Deductions Rider, Waiver of Specified Premium Rider, Wellness for Life Rider

Highlights: In addition to potential cash value growth, Assure UL offers a few free and optional policy riders. One rider that stands out and that is unique is the Wellness for Life Rider. This rider can provide a discount on your insurance cost beginning policy year 3. All you need to do is see your doctor every two years for a check-up. You can also receive a larger discount if you see your doctor every two years and maintain your height and weight within a reasonable range.

How to apply for Accordia Life Fast Lane no medical exam underwriting

Step 1. Complete paper application.

Step 2. Return completed application to the agent.

Step 3. Agent submits the application to the insurance company for underwriting.

Step 4. The insurance company receives application and contact applicant to complete a 30-minute telephone interview. In the meantime, background checks are being processed.

Step 5. Within 24-48 hours of completing the telephone interview, underwriting contacts the agent with an offer for coverage.

Underwriting: Tele-med Interview, Public Search Records, Medical Information Bureau (MIB), Motor Vehicle Report (MVR), Prescription Drug Database

Medical Records: This could be ordered if the underwriter needs further information. 

Total Underwriting Time: 4 Business Days (Higher if medical records are needed).

Disqualifying Conditions Include: The following is a list of common factors that will disqualify you from the Accordia Life no medical exam accelerated underwriting program. If you meet one or more of the following, you will be required to apply under traditional underwriting.

  • Excluded conditions include (but are not limited to) Alcohol or Drug Abuse, Cancer, Crohn’s Disease, Heart Attack, Surgery, Multiple Sclerosis, Peripheral Vascular Disease, Stroke, Ulcerative Colitis, Bipolar, COPD or Emphysema, Diabetes, Heart Disease or Heart Melanoma, Peripheral Artery Disease, Rheumatoid Arthritis, Transient Ischemic Attack (TIA).
  • Will not consider any applicant who is currently on probation, parole or currently serving time in prison or jail.

American Amicable

American Amicable No Medical Exam Life Insurance

American Amicable Term Made Simple

AM BEST RATING:A = (Excellent)
ISSUE AGES:18 – 75
COVERAGE OPTIONS:Term Life Insurance
DEATH BENEFIT AMOUNTS:Ages 18 – 75: $50,000 – $400,000
HEALTH CLASSES:Preferred & Standard
APPLICATION TYPE:Paper
TELEPHONE INTERVIEW:Yes
EXAM POTENTIAL:None
UNDERWRITING:Telephone Interview, MIB, MVR, Prescription
FASTEST APPROVAL TIME:3 – 14 Days

  • Policy Name: American Amicable Term Life Insurance 
  • Type of Policy: Term Insurance
  • Issue Ages: 18-75
  • Term Lengths: 10, 15, 20 & 30 year policies
  • Minimum Coverage Amount: $50,000
  • Maximum Coverage Amount: $400,000
  • Non-Medical Caps:
    Ages 18 to 75: $50,000 – $400,000
  • Coverage Caps:
    10-Year
    Ages 18-75
    15-Year
    Ages 18-70
    20-Year
    Ages 18-65
    30-Year
    Ages 18-55
  • Included Riders: Accelerated Benefits Rider (Confined Care), Accelerated Death Benefit Rider (Chronic Illness), Accelerated Benefit Rider (Terminal Illness)
  • Optional Riders: Accelerated Living Benefit Rider (Critical Illness), Accidental Death Benefit, Children’s Insurance Agreement, Total Disability Benefit Rider, Waiver of Premium Disability Agreement, Waiver of Premium for Unemployment Rider

Highlights: Term Made Simple is completely a no medical exam life insurance coverage. Best of all, it can be a great option for seniors who are looking for a no medical exam life insurance option. It is one of the very few companies to offer no exam underwriting to applicants over the age of 65, which tends to be the maximum age with most companies. The coverage also does not cap the death benefit to a specific amount to older applicants. This means a senior up to age 75 can apply for up to $400,000 without having to take a medical exam.

How to apply for Term Made Simple no medical exam underwriting

Term Made Simple offers a paper application or an online electronic application. The application itself is very short and simple.

A telephone interview will be ordered upon completion of the application.

Underwriting: Telephone Interview, Medical Information Bureau (MIB), Motor Vehicle Report (MVR), Prescription Drug Database

Medical Records: This could be ordered if the underwriter needs further information. 

Total Underwriting Time: 3-14 Business Days

Disqualifying Conditions Include: American Amicable no medical exam life insurance application lists a series of different health questions. The first 11 health-related questions pertain to some severe health conditions. The application does not state that you will be declined if you answer yes, but you will need to provide details pertaining such as what the health condition was, dates occurred, treatment and contact information to the doctor that treated the medical condition.

American Amicable also uses an extensive list of different medical impairments as well as medications that can disqualify you from coverage.

American National (ANICO)

ANICO Company Logo

ANICO Xpress Plus Underwriting

AM BEST RATING:A = (Excellent)
ISSUE AGES:18 – 60
COVERAGE OPTIONS:

Signature Term Life Insurance
Signature Guaranteed Universal Life Insurance
Signature Indexed Universal Life Insurance
Signature Whole Life Insurance

DEATH BENEFIT AMOUNTS:$250,000 – $1,000,000
HEALTH CLASSES:Preferred Plus, Preferred, Standard Plus & Standard
APPLICATION TYPE:Electronic Only
TELEPHONE INTERVIEW:Yes
EXAM POTENTIAL:Could be required
UNDERWRITING:Telephone Interview, MIB, RX, MVR, Background Report, Credit Check
FASTEST APPROVAL TIME:48 – 72 Hours

  • Policy Name: ANICO Signature Term Life Insurance 
  • Type of Policy: Term Insurance
  • Issue Ages: 18-65
  • Term Lengths: 10, 15, 20 & 30 year policies
  • Minimum Coverage Amount: $250,000
  • Maximum Coverage Amount: $1,000,000
  • Non-Medical Caps:
    Ages 18-50: $250,000 – $1,000,000
    Ages 51-60: $250,000 – $500,000
  • Coverage Caps:
    10-Year
    Ages 18-70
    15-Year
    Ages 18-65
    20-Year
    Ages 18-60
    30-Year
    Ages 18-50
  • Included Riders: Accelerated Benefits Rider (Chronic, Critical & Terminal Illness) 
  • Optional Riders: Children’s Term Rider, Disability Waiver of Premium

Highlights: Signature Term is offered with three free built-in living benefit riders. Their Xpress underwriting can offer a quick turnaround along with the potential to qualify for preferred rates. It should also be noted that ANICO offers a second no exam option for coverage amounts less than $250,000. The only downside is that the best health class will be at standard rates. On the upside, the maximum age is 65 versus age 60. 

  • Policy name: ANICO Signature GUL 
  • Type of policy: Universal Life Insurance
  • Issue age: 18-60
  • Contract length: Permanent
  • Guaranteed Interest Rate: 2.5%
  • Minimum coverage amount: $250,000
  • Maximum coverage amount: $1,000,000
  • Coverage Caps:
    Ages 18-50: $250,000 – $1,000,000
    Ages 51-60: $250,000 – $500,000
  • Included Riders: Accelerated Benefits Rider (Chronic, Critical & Terminal Illness), Guaranteed Cash-Out Rider
  • Optional Riders: Children’s Term Rider, Disability Waiver of Stipulated Premium Rider

Highlights: In addition to the free-living benefits that come with the life insurance coverage, ANICO Signature GUL has a free return of premium feature. With this coverage, you can surrender your life insurance policy on the 15th, 20th and even the 25th policy year for up to a full return of all premium payments. This can be an excellent feature to have especially if your life insurance needs change later in life.

How to apply for ANICO Xpress Plus no medical exam underwriting

ANICO Xpress underwriting is available through an online application process. A telephone interview will be ordered upon completion of the application.

Underwriting: Telephone Interview, Medical Information Bureau (MIB), Motor Vehicle Report (MVR), Prescription Drug Database, Public Records / Credit History Check.

Medical Records: This could be ordered if the underwriter needs further information. 

Total Underwriting Time: 3 Business Days

Disqualifying Conditions Include: ANICO Xpress Plus no medical exam life insurance does not require you to be in excellent health. Those who have an excellent health history will find that the program will be best for them and lead to quick approval without having to do an exam.

Those who meet one or more of the below will not be eligible for the ANICO Xpress Plus no exam program.

  • Diabetes or Glucose Intolerance, Hypertension under age 35, Heart Disease, Renal Disease, Liver Disease, Cancer, Substance Abuse, Cerebral Vascular Disease, Peripheral Vascular Disease, COPD, Barrett’s Esophagus, Crohn’s Disease, Ulcerative Colitis, Epilepsy/Seizure, Gastric Bypass/Lap Band, Lupus, Multiple Sclerosis, Parkinson’s Disease, Rheumatoid Arthritis, Sleep Apnea
  • Unemployed – Does not apply to Homemaker
  • HIV
  • Criminal History
  • Disability
  • Underweight

Assurity

Assurity No Medical Exam Life Insurance

Assurity Accelerated UW

AM BEST RATING:A- = (Excellent)
ISSUE AGES:18 – 65
COVERAGE OPTIONS:Term Life Insurance
DEATH BENEFIT AMOUNTS:$25,000 – $500,000
HEALTH CLASSES:Preferred Plus, Preferred, Standard Plus & Standard
APPLICATION TYPE:Paper & Electronic Options
TELEPHONE INTERVIEW:Yes, only if there are application discrepancies
EXAM POTENTIAL:Could be required
UNDERWRITING:MIB, MVR, Prescription
FASTEST APPROVAL TIME:Instant up to 72 hours

  • Policy Name: Assurity Term Life with Accelerated Underwriting
  • Type of Policy: Term Insurance
  • Issue Ages: 18-65
  • Term Lengths: 10, 15, 20 & 30 year policies
  • Minimum Coverage Amount: $25,000
  • Maximum Coverage Amount: $500,000
  • Non-Medical Caps:
    Ages 18-50: $25,000 – $500,000
    Ages 51-60: $25,000 – $350,000
  • Coverage Caps:
    10-Year
    Ages 18-60
    15-Year
    Ages 18-60
    20-Year
    Ages 18-60
    30-Year
    Ages 18-55
  • Included Riders: Accelerated Benefits Rider
  • Optional Riders: Accident-Only Disability Income Rider, Children’s Term Rider, Critical Illness Benefit Rider, Disability Waiver of Premium Rider, Monthly Disability Income Rider, Other Insured Level Term Rider, 20 & 30-year Return of Premium Rider

Highlights: Assurity Term Life with Accelerated Underwriting offer multiple policy riders that can be added to the coverage. Some of these riders are very difficult to find with other companies such as a disability income rider and even a 20 or 30-year return of premium rider. 

How to apply for Assurity Term Life Accelerated Underwriting

Assurity underwriting is available through an online application process. A telephone interview is not often required but can be ordered if needed. For healthy applicants will often receive an approval within the same day of applying. 

Assurity states that 50% of applicants will qualify for instant approval. However, applicants who do not meet the underwriting requirements may be required to take a medical exam.

Underwriting: Medical Information Bureau (MIB), Motor Vehicle Report (MVR), Prescription Drug Database, Public Records

Medical Records: Could be ordered if the underwriter needs further information. 

Total Underwriting Time: Instant

Disqualifying Conditions Include: The following is a list of common factors that will disqualify you from the Assurity no medical exam accelerated underwriting program. If you meet one or more of the following, you will be required to apply under traditional underwriting.

  • Applying for coverage over $500,000 if you are between the ages of 18-50.
  • Applying for coverage over $350,000 if you are between the ages of 51-65.
  • Weight is not within the height guidelines.
  • If you have filed for bankruptcy within the last two years. 
  • If you have had a DUI or been charged with reckless driving in the last two years. 
  • Have been charged with a prior felony conviction.
  • Participate in high-risk activities or hobbies like private aviation or skydiving.
  • Are currently using prescription drugs for AIDS/HIV, Cancer, Chronic Pulmonary Disease, Kidney Disease, Bipolar Disorders, Multiple Sclerosis (MS), Heart Disease, Parkinson’s Disease, Stroke 

Banner Life Insurance

Banner No Medical Exam Life Insurance

Banner APPcelerate Underwriting

AM BEST RATING:A+ = (Superior)
ISSUE AGES:20 – 50
COVERAGE OPTIONS:Term Life Insurance
DEATH BENEFIT AMOUNTS:$100,000 – $1,000,000
HEALTH CLASSES:Preferred Plus, Preferred & Standard Plus
APPLICATION TYPE:Electronic
TELEPHONE INTERVIEW:Yes
EXAM POTENTIAL:Could be required
UNDERWRITING:MIB, MVR, Prescription History & FCRA (Consumer Database Check)
FASTEST APPROVAL TIME:2 – 4 business days

  • Policy Name: OPTerm  
  • Type of Policy: Term Insurance
  • Issue Ages: 20-50
  • Term Lengths: 10, 15, 20, 30, 35 & 40-year policies
  • Minimum Coverage Amount: $250,000
  • Maximum Coverage Amount: $1,000,000
  • Coverage Caps:
    OPTerm 10
    Ages 20-50: $100,000 – $500,000
    OPTerm 15, 20, 30, 35 & 40
    Ages 20-40: $100,000 – $1,000,000
    Ages 41-45: $100,000 – $750,000
    Ages 46-50: $100,000 – $500,000
  • Included Riders: Accelerated Death Benefit (Terminal Illness Only)
  • Optional Riders: Children’s Rider, Term Riders, Waiver of Premium

Highlights: Banner offers an all-around affordable term life insurance coverage. Among their core competitors, their term life insurance rates will rank #1 – 70% of the time. In addition to great rates, Banner’s largest coverage highlight is the 40-year term contract they offer. The company is one of a very few to offer a term contract length past the industry standard of 30-years.

How to apply for Banner APPcelerate no medical exam life insurance

Banner APPcelerate underwriting is available through an online ticket submission process. Once the ticket is submitted, a Banner Life Insurance employee will contact the applicant to complete the life insurance application.  

Qualifying applicants can expect to receive an approval for coverage as fast as two business days. Applicants that do not meet the APPcelerate underwriting program will be provided with the option to take a medical exam as long as they are not a decline. 

Underwriting: Medical Information Bureau (MIB), Motor Vehicle Report (MVR), Prescription Drug Database

Medical Records: Could be ordered if the underwriter needs further information. 

Total Underwriting Time: 2-4 Business Days

Disqualifying Conditions Include: The following is a list of common factors that will disqualify you from the Banner no medical exam accelerated underwriting program. If you meet one or more of the following, you will be required to apply under traditional underwriting.

  • Alcohol or drug abuse/treatment
  • Cancer (except Basal or Squamous Cell)
  • Heart Disease or heart surgery
  • COPD or Emphysema
  • Bipolar Disorder
  • Crohn’s Disease
  • Diabetes
  • Multiple Sclerosis (MS)
  • Peripheral Artery or Vascular Disease
  • Stroke/Deep Vein Thrombosis/Transient Ischemic Attack (TIA)
  • Rheumatoid Arthritis
  • Parkinson’s Disease
  • Sickle Cell Anemia
  • Bankruptcy in the past five years
  • DWI/DUI in the past five years
  • Felony conviction
  • Internal policy lapse or internal replacement within the last two years
  • Tobacco or marijuana use in the past 12 months (exception 12 or fewer tobacco cigars)
  • Premium financing
  • Risky avocations
  • Aviation

Fidelity Life

Fidelity Life No Medical Exam Life Insurance

Fidelity Rapid Decision Express Underwriting

AM BEST RATING:A- = (Excellent)
ISSUE AGES:18 – 65
COVERAGE OPTIONS:Term Life Insurance
DEATH BENEFIT AMOUNTS:$25,000 – $100,000
HEALTH CLASSES:Standard
APPLICATION TYPE:Electronic
TELEPHONE INTERVIEW:No
EXAM POTENTIAL:No, coverage is either accepted or rejected
UNDERWRITING:MIB, MVR, Prescription History
FASTEST APPROVAL TIME:24 to 48 hours

  • Policy Name: RAPIDecision Express  
  • Type of Policy: Term Insurance
  • Issue Ages: 18-65
  • Term Lengths: 10, 15, 20 & 30 year policies
  • Minimum Coverage Amount: $25,000
  • Maximum Coverage Amount: $100,000
  • Coverage Caps:
    10-Year
    Ages 18-65: $25,000 – $100,000
    15-Year
    Ages 18-60: $25,000 – $100,000
    20-Year
    Ages 18-55: $25,000 – $100,000
    30-Year
    Ages 18-45: $25,000 – $100,000
  • Included Riders: Accelerated Death Benefit Rider (Terminal Illness Only)
  • Optional Riders: Accidental Death Benefit Rider, Dependent Child Rider

Highlights: Fidelity can be a good no exam option for people who need lower coverage amounts. The minimum death benefit starts as low as $25,000 making it a good option when coverage is needed to cover funeral costs.

How to apply for Fidelity Life Rapid Decision Express no medical exam life insurance

Fidelity Life Rapid Decision Express underwriting is available through an online application process. The application is very short and requires no telephone interviews.  

Qualifying applicants can expect to receive approval for coverage as fast as 24-48 hours. Approval is based on an accept or reject basis. This means that if you do not qualify, there will not be an option to take a medical exam for reconsideration. 

Underwriting: Medical Information Bureau (MIB), Motor Vehicle Report (MVR), Prescription Drug Database

Medical Records: No medical records will be ordered.

Total Underwriting Time: 1-2 Business Days

Disqualifying Conditions Include: The following is a list of common factors that will disqualify you from the Fidelity no medical exam accelerated underwriting program. If you meet one or more of the following, you will be required to apply under traditional underwriting.

  • Have been diagnosed with having AIDS or AIDS-Related Complex.
  • Have tested positive for HIV.
  • Waiting for a diagnosis, or have you been advised to have a surgical operation, a diagnostic test, or medical or mental evaluation that has not yet been completed.
  • Have requested or received any worker’s compensation or Social Security disability benefits?
  • Currently taking more than 2 prescription medications for pain; or consume, on average, more than 3 alcoholic beverages per day.
  • In the past 10 years, received any treatment, medical advice or consultation for; been diagnosed with or required follow-up for the following: diabetes or elevated blood sugar; cancer (excluding basal cell or squamous cell carcinoma of the skin); stroke, transient ischemic attack (TIA or mini-stroke); aneurysm; chronic obstructive pulmonary disease (COPD); emphysema; asthma or chronic lung disease; major depression or anxiety that required psychiatric treatment; bipolar disease or mood disorder; Alzheimer’s disease, schizophrenia, dementia or mental retardation (including Down’s Syndrome); rheumatoid arthritis; paralysis; any degenerative muscle or nerve disease or disorder; alcohol or drug abuse; OR any disease or disorder of the following: heart, aorta, coronary arteries, peripheral vascular system, blood, liver, pancreas, kidney (other than kidney stones), brain or connective tissue.
  • In the past 5 years, used controlled substances such as narcotics, cocaine, heroin, marijuana, amphetamines, hallucinogens or barbiturates not prescribed by a physician or have abused over the counter mediations.
  • In the past 2 years, been hospitalized or evaluated in an emergency room or immediate care center for a chronic illness requiring ongoing treatment or care by a physician; or have participated in any hazardous activities or extreme sports?
  • In the past 5 years, been convicted of or pled guilty or no contest to a felony, misdemeanor, reckless driving, DUI or DWI; have you been incarcerated or served in a probation or parole program, or do you have criminal charges pending?
  • Have you, in the past 5 years, had an Application for Life or Health Insurance rated up, postponed, declined or denied reinstatement?

Foresters

Foresters No Medical Exam Life Insurance

Foresters Non-Medical Underwriting

AM BEST RATING:A = (Excellent)
ISSUE AGES:18 – 80
COVERAGE OPTIONS:Term Life Insurance
Permanent Life Insurance
DEATH BENEFIT AMOUNTS:$50,000 – $400,000
HEALTH CLASSES:Standard
APPLICATION TYPE:Electronic
TELEPHONE INTERVIEW:No
EXAM POTENTIAL:No, coverage is either accepted or rejected
UNDERWRITING:MIB, Prescription History
FASTEST APPROVAL TIME:Instant

  • Policy Name: Your Term  
  • Type of Policy: Term Insurance
  • Issue Ages: 18-80
  • Term Lengths: 10, 15, 20, 25 & 30 year policies
  • Minimum Coverage Amount: $50,000
  • Maximum Coverage Amount: $400,000
  • Non-Medical Caps:
    Ages 18 to 55: $50,000 – $400,000
    Ages 56 to 80: $50,000 – $150,000
  • Coverage Caps:
    10-Year
    Ages 18-80
    15-Year
    Ages 18-70
    20-Year
    Ages 18-65
    25-Year
    Ages 18-60
    30-Year
    Ages 18-55
  • Included Riders: Accelerated Death Benefit Riders (Critical, Chronic & Terminal Illness), Common Carrier Accidental Death Rider, Family Health Benefit Rider, Charity Benefit Provision
  • Optional Riders: Accidental Death Rider, Children’s Term Rider, Disability Income Rider, Waiver of Premium Rider

Highlights: Foresters non-medical underwriting comes with several free policy riders. Every policyholder also becomes a member and is provided with numerous free membership benefits. The term life insurance coverage offered with Foresters allows seniors up to age 80 to qualify for a 10-year term policy. This makes Foresters the best option for seniors who need term life insurance.

  • Policy Name: SMART Universal Life Insurance 
  • Type of Policy: Universal Life Insurance
  • Issue Ages: 16-75
  • Contract Length: Permanent
  • Guaranteed Interest Rate: 2%
  • Minimum Coverage Amount: $25,000
  • Maximum Coverage Amount: $400,000
  • No Exam Coverage Caps:
    Ages 16-55: $25,000 – $400,000
    Ages 56-75: $25,000 – $150,000
  • Included Riders: Accelerated Death Benefit Riders (Critical, Chronic & Terminal Illness), Common Carrier Accidental Death Rider, Family Health Benefit Rider, Charity Benefit Provision
  • Optional Riders: Accidental Death Rider, Children’s Term Rider, Disability Income Rider, Guaranteed Purchase Option Rider, Waiver of Premium Rider

Highlights: SMART UL is no medical permanent life insurance coverage that has cash growth potential. The coverage has a 10-year no-lapse guarantee and offers several policy riders including a disability income option.

How to apply for Foresters Non-Medical Underwriting

The application process for Foresters Non-Medical Underwriting is done online. The application process can be completed over the phone with one of our agents and sent to you for an electronic signature. Once the application has been submitted to Foresters, approval can be made as fast as 10 minutes of the application being received.

Underwriting: Medical Information Bureau (MIB), Prescription Drug Database, Height & Weight

Medical Records: No medical records will be ordered.

Total Underwriting Time: Same Day

Disqualifying Conditions Include: The following is a list of common factors that will disqualify you from the Foresters no medical exam accelerated underwriting program. If you meet one or more of the following, you will be required to apply under traditional underwriting.

  • If currently on probation or parole, incarcerated or criminal charges pending.
  • Driving record with a DUI within the last 12 months or 2 DUI in the last 5 years.

Foresters also utilize a medical impairment guide as well as a list of medications to determine non-medical eligibility. Foresters ranks extremely well in providing no medical exam coverage to several medical impairments such as diabetes that is well-controlled with oral medications. However, those with very serious health risks will not be eligible for no exam approval. 

John Hancock

John Hancock No Medical Exam Life Insurance

John Hancock Smart Protect

AM BEST RATING:A+ = (Superior)
ISSUE AGES:20 – 60
COVERAGE OPTIONS:Term Life Insurance
DEATH BENEFIT AMOUNTS:$100,000 – $1,000,000
HEALTH CLASSES:Super Elite, Elite, Select
APPLICATION TYPE:Online
TELEPHONE INTERVIEW:No
EXAM POTENTIAL:No
UNDERWRITING:MIB, MVR, Prescription History
FASTEST APPROVAL TIME:2 Business Days

  • Policy Name: Smart Protect with Vitality  
  • Type of Policy: Term Insurance
  • Issue Ages: 20-60
  • Term Lengths: 10, 15 & 20 year policies
  • Minimum Coverage Amount: $100,000
  • Maximum Coverage Amount: $1,000,000
  • Non-Medical Caps:
    10-Year Term
    Ages 20-60
    15-Year Term
    Ages 20-60
    20-Year Term
    Ages 20-60
  • Included Riders: Accelerated Benefit (Terminal Illness Only)
  • Optional Riders: Unemployment Protection

Highlights: Smart Protect with Vitality offers a fast two-day approval process to qualifying applicants. This coverage can be a great option for those who live a healthy lifestyle. It requires you to participate in the life insurance coverage to earn a discount on the overall life insurance premiums. Another bonus to this coverage are the perks and rewards you can earn through your participation in the life insurance program. A few examples of this include a free Fitbit device or even an Apple Watch to track your workouts along with gift certificates to several stores.

How to apply for John Hancock SmartProtect Term with Vitality no medical exam underwriting

Step 1. Review pre-qualifying questions

Step 2. If you pass prequalification the next step will be the online application. Completing the application will take 30-40 minutes.

Step 3. Underwriting approval should be made in as little as two days.

Underwriting: Medical Information Bureau (MIB), Motor Vehicle Report (MVR), Prescription Drug Database

Medical Records: No medical records will be ordered.

Total Underwriting Time: 2 Business Days

Disqualifying Conditions Include: The following is a list of common factors that will disqualify you from the John Hancock no medical exam accelerated underwriting program. If you meet one or more of the following, you will be required to apply under traditional underwriting.

  • History of drug or alcohol abuse
  • Foreign residents
  • Entertainers or professional athletes
  • Hazardous occupations, e.g., firefighters, miners, etc.
  • Participation in hazardous activities including auto racing, aviation, mountain climbing
  • Third-party ownerships/purposes by an entity, i.e., business purpose, trust ownership
  • Previously declined/rated life applications
  • History of driving charge(s)
  • Prior criminal records, financial/bankruptcy issues
  • Any symptoms for which proposed insured has not sought medical evaluation or any pending medical tests or interventions not yet completed
  • AIDS or HIV
  • Alzheimer’s disease, dementia, cognitive impairment, or memory loss
  • Coronary disorder or vascular disease, including a history of stroke, heart attack, stent placement, or cardiomyopathy
  • Peripheral vascular disease
  • Cirrhosis of the liver
  • Kidney disease or failure
  • Psychosis, schizophrenia
  • Diagnosis or treatment for any cancer, including, but not limited to, malignant melanoma, lymphoma, or leukemia
  • Chronic obstructive pulmonary disease (including emphysema)
  • Degenerative neurological disease (e.g., Parkinson’s disease, multiple sclerosis, muscular dystrophy)
  • Seizure disorder or epilepsy
  • Organ transplant recipient
  • Family history of Huntington’s disease or polycystic kidney disease

Lincoln Financial

Lincoln Financial No Medical Exam Life Insurance

Lincoln Financial TermAccel

AM BEST RATING:A+ = (Superior)
ISSUE AGES:18 – 60
COVERAGE OPTIONS:Term Life Insurance
DEATH BENEFIT AMOUNTS:$100,000 – $1,000,000
HEALTH CLASSES:Preferred Plus, Preferred, Standard Plus & Standard
APPLICATION TYPE:Online
TELEPHONE INTERVIEW:Yes
EXAM POTENTIAL:Could be required
UNDERWRITING:MIB, MVR, Prescription History
FASTEST APPROVAL TIME:2 – 7 Business Days

  • Policy Name: Lincoln TermAccel 
  • Type of Policy: Term Insurance
  • Issue Ages: 18-60
  • Term Lengths: 10, 15, 20 & 30 year policies
  • Minimum Coverage Amount: $100,000
  • Maximum Coverage Amount: $1,000,000
  • Non-Medical Caps:
    10-Year Term
    Ages 18-60
    15-Year Term
    Ages 18-60
    20-Year Term
    Ages 18-60
    30-Year Term
    Ages 18-55
  • Included Riders: Accelerated Benefits Rider (Terminal Illness Only)
  • Optional Riders: Children’s Level Term Insurance Rider, Waiver of Premium Rider

Highlights: TermAccel no medical exam coverage does not offer much in exciting features. However, Lincoln Financial is a company with excellent ratings and a long history in the insurance industry. Lincoln is a solid choice for affordable coverage, especially at the $1,000,000 amount.

How to apply for Lincoln Financial TermAccel no medical exam underwriting

TermAccel offers a simple, streamlined application process. The application consists of a short eTicket submission process that includes some necessary personal information.

Once Lincoln Financial receives the e-ticket, a representative will call to complete a short telephone interview. If approved for the TermAccel program, no medical exam will be required, and an offer for coverage will be made. If Lincoln Financial requires additional underwriting, an exam will be offered to continue underwriting.

Underwriting: ID Check, Medical Information Bureau (MIB), Motor Vehicle Report (MVR), Prescription Drug Database

Medical Records: No medical records will be ordered.

Total Underwriting Time: 2-7 Business Days

Disqualifying Conditions Include: The following is a list of common factors that will disqualify you from the Lincoln Financial no medical exam accelerated underwriting program. If you meet one or more of the following, you will be required to apply under traditional underwriting.

  • Alzheimer’s disease, dementia or taking medication for memory loss
  • Amyotrophic lateral sclerosis (ALS), also known as Lou Gehrig’s disease
  • Aneurysm
  • Cancer history within 10 years, excluding basal cell or squamous cell carcinoma of the skin
  • Cardiomyopathy
  • Carotid artery disease
  • Chronic kidney failure
  • Cirrhosis of the liver
  • Congestive heart failure
  • Coronary artery disease
  • Diabetes with a diagnosis prior to age 25
  • Dialysis treatment
  • Down syndrome
  • Height and weight: If body mass index (BMI) is less than 16 or greater than/equal to 44*
  • Hepatitis C
  • HIV/AIDS
  • Huntington’s disease
  • Implantable defibrillator
  • Muscular dystrophy
  • Organ transplant recipient
  • Oxygen use for any reason
  • Undiagnosed medical condition that’s currently being evaluated
  • Untreated severe sleep apnea

Motorists Life

Motorists Life No Medical Exam Life Insurance

Motorists Real-Time Term

AM BEST RATING:A- = (Excellent)
ISSUE AGES:16 – 70
COVERAGE OPTIONS:Term Life Insurance
DEATH BENEFIT AMOUNTS:$100,000 – $500,000
HEALTH CLASSES:Premier & Preferred
APPLICATION TYPE:Online
TELEPHONE INTERVIEW:Not likely
EXAM POTENTIAL:None
UNDERWRITING:MIB, MVR, Prescription History
FASTEST APPROVAL TIME:Instant

  • Policy Name: Real-Time Term 
  • Type of Policy: Term Insurance
  • Issue Ages: 18-70
  • Term Lengths: 5, 10, 20 & 30 year policies
  • Minimum Coverage Amount: $25,000
  • Maximum Coverage Amount: $500,000
  • Non-Medical Caps:
    5-Year Term
    Ages 16-70
    10-Year Term
    Ages 16-70
    20-Year Term
    Ages 16-65
    30-Year Term
    Ages 16-48
  • Included Riders: Accelerated Death Benefit Rider (Terminal Illness Only)
  • Optional Riders: None

Highlights: Real-Time Term offers a speedy, no medical exam application process. It is so fast that approval can be offered within 20 minutes of applying to the life insurance company. The most significant feature to Real-Time Term is a short application, which consists of 12 yes or no application questions. Real-Time Term is currently available in the following select few states: FL, GA, IA, IL, IN, KY, MI, MN, NE, OH, PA, SC, TN, VA, WI, WV

How to apply for Motorists Real-Time Term no medical exam underwriting

Real-Time Term offers the ability to receive approval for life insurance within 20 minutes of applying for coverage. The entire application process is done online and consists of 12 application questions.

Underwriting: Medical Information Bureau (MIB), Motor Vehicle Report (MVR), Prescription Drug Database

Medical Records: No medical records will be ordered.

Total Underwriting Time: Instant

Disqualifying Conditions Include: The following is a list of common factors that will disqualify you from the Motorists Real-Time Term no medical exam accelerated underwriting program.

  • Has the person proposed for insurance, in the last 12 months, been declined, rated, or issued ‘substandard,’ or have a pending application for life insurance coverage with any company including Motorists Life Insurance Company? If this question is answered yes, an offer for coverage will not be made.
  • Has the client ever been diagnosed or treated for any of the following:
    i. Crohn’s Disease
    ii. Hepatitis C
    iii. Cirrhosis
    iv. COPD
    v. ALS, Multiple Sclerosis or Muscular Dystrophy
    vi. Cerebral Palsy or Parkinson’s Disease
    vii. AIDS, AIDS-related complex (ARC) or HIV
    viii. Cancer
  • Within the last 10 years, has the client used, received treatment for or been hospitalized for illegal drugs or alcohol?
  • Within the last seven years, has the client has a heart attack or stroke, diabetes, or cancer?
  • Within the last five years, has the client been convicted of DWI, DUI or OUI?

Mutual of Omaha

Mutual of Omaha No Medical Exam Life Insurance

Mutual of Omaha Term Life Answers

AM BEST RATING:A+ = (Superior)
ISSUE AGES:18 – 70
COVERAGE OPTIONS:Term Life Insurance
Permanent Life Insurance
DEATH BENEFIT AMOUNTS:$25,000 – $300,000
HEALTH CLASSES:Standard
APPLICATION TYPE:Online
TELEPHONE INTERVIEW:Could be required
EXAM POTENTIAL:None
UNDERWRITING:MIB, MVR, Prescription History, Lab History Check
FASTEST APPROVAL TIME:7 – 14 Business Days

  • Policy Name: Term Life Express 
  • Type of Policy: Term Insurance
  • Issue Ages: 18-70
  • Term Lengths: 10, 15, 20 & 30 year policies
  • Minimum Coverage Amount: $25,000
  • Maximum Coverage Amount: $300,000
  • Non-Medical Caps:
    Ages 18-50: $25,000 – $300,000
    Ages 51-60: $25,000 – $250,000
    Ages 61-70: $25,000 – $150,000
  • Coverage Caps:
    10-Year
    Ages 18-70
    15-Year
    Ages 18-70
    20-Year
    Ages 18-60
    30-Year
    Ages 18-50
  • Included Riders: Accelerated Benefit Riders (Chronic, Critical & Terminal Illness), Residential Damage Waiver of Premium Rider, Waiver of Premium for Unemployment Rider, Common Carrier Death Benefit Provision
  • Optional Riders: Accidental Death Benefit Rider, Dependent Children’s Rider, Disability Income Rider, Disability Waiver of Premium Rider

Highlights: Mutual of Omaha Term Life Express comes with several free policy riders, including living benefits as well as unemployment waiver of premium rider. Coverage is available as low as $25,000 up to age 70, making it an affordable no medical exam option for seniors. If you’re looking for an alternative to a standalone disability insurance option, Term Life Express offers the option to add a disability income rider. This rider can pay a monthly income if you become disable an are unable to work. One last benefit that should not be overlooked is the return of premium rider. As more and more companies begin discontinuing this rider, Mutual of Omaha has become one of the few companies to still offer the rider.

  • Policy Name: GUL Express 
  • Type of Policy: Universal Life Insurance
  • Issue Ages: 18-65
  • Contract Length: Permanent
  • Guaranteed Interest Rate: 3%
  • Minimum Coverage Amount: $25,000
  • Maximum Coverage Amount: $300,000
  • No Exam Coverage Caps:
    Ages 18-50: $25,000 – $300,000
    Ages 51-65: $25,000 – $150,000
  • Included Riders: Accelerated Death Benefit Riders (Chronic & Terminal Illness Only), Waiver of Surrender Charges for Partial Withdrawals Rider, Guaranteed Insurability Rider
  • Optional Riders: Accidental Death Benefit Rider, Disability Continuation of Planned Premium Rider, Disability Waiver of Policy Charges Rider, Dependent Children’s Rider

Highlights: GUL Express offers a solution to affordable low-cost permanent life insurance coverage. Coverage comes with several built-in riders, including the Guaranteed Insurability Rider, which allows for the death benefit to be increased at future dates without the need for additional underwriting. Most companies charge extra for this rider, but on GUL Express, it’s free.

How to apply for Mutual of Omaha Express Underwriting

Express underwriting is an online-only application process. The application is completed over the telephone with a licensed agent and sent to you for an electronic signature.

For applicants with a history of minor health issues, Express Underwriting will benefit them greatly. The program starts at standard health rates up to substandard rates for riskier health conditions.

Underwriting: Medical Information Bureau (MIB), Motor Vehicle Report (MVR), Prescription Drug Database

Medical Records: Records could be ordered if needed.

Total Underwriting Time: 7-14 Business Days

Disqualifying Conditions Include: The following is a list of common factors that will disqualify you from the Mutual of Omaha Express Underwriting program.

  • Amputation caused by disease
  • Alcohol/Drug abuse and Major Depression
  • Chronic or Alcohol-related Pancreatitis
  • Chronic Severe Asthma
  • Hodgkin’s Disease
  • Moderate/Severe rheumatoid arthritis treated with Humira, Enbrel or Methotrexate
  • Muscular Dystrophy
  • Sickle Cell Anemia

NOTE: This is not a complete list of impairments. Please contact us if you have a medical impairment that is in question.

Nationwide

Nationwide No Medical Exam Life Insurance

Nationwide Intelligent Underwriting

AM BEST RATING:A+ = (Superior)
ISSUE AGES:18 – 60
COVERAGE OPTIONS:Term Life Insurance
Permanent Life Insurance
DEATH BENEFIT AMOUNTS:$100,000 – $1,000,000
HEALTH CLASSES:Preferred Plus & Preferred
APPLICATION TYPE:Online
TELEPHONE INTERVIEW:Yes
EXAM POTENTIAL:Could be required
UNDERWRITING:MVR, Prescription History
FASTEST APPROVAL TIME:7 – 14 Business Days

  • Policy Name: YourLife Guaranteed Level Term 
  • Type of Policy: Term Insurance
  • Issue Ages: 18-60
  • Term Lengths: 10, 15, 20 & 30 year policies
  • Minimum Coverage Amount: $100,000
  • Maximum Coverage Amount: $1,000,000
  • Coverage Caps:
    10-Year
    Ages 18-60
    15-Year
    Ages 18-60
    20-Year
    Ages 18-60
    30-Year
    Ages 18-50
  • Included Riders: Accelerated Death Benefit Rider (Terminal Illness Only)
  • Optional Riders: Children’s Term Insurance Rider, Spouse Rider, Premium Waiver Rider

Highlights: Intelligent Underwriting offered on YourLife term insurance is available to healthy applicants between the ages of 18-60. Applicants the will benefit the most will be younger families who are looking for affordable term insurance with an easy application process. And if you’re looking to provide life insurance coverage for the entire family, consider adding the Spouse and Children rider options. These two riders can insurance the entire family on one single policy.

  • Policy Name: Nationwide No-Lapse Guarantee UL II 
  • Type of Policy: Universal Life Insurance
  • Issue Ages: 18-60
  • Contract Length: Permanent
  • Guaranteed Interest Rate: 3%
  • Minimum Coverage Amount: $100,000
  • Maximum Coverage Amount: $1,000,000
  • Included Riders: Accelerated Death Benefit Riders (Terminal Illness Only)
  • Optional Riders: Accidental Death Benefit Rider, Children’s Term Insurance Rider, Long-Term Care Rider II, Waiver of Monthly Deductions Rider

Highlights: Without a doubt, the two largest highlights to Nationwide No-Lapse Guarantee is the built-in return of premium benefit as well as the Long-Term Care Rider. The return of premium feature offers the option to cancel coverage at two different policy anniversary years, 16 and 21. Canceling your coverage in policy year 16 will have a payout of 50% of all premiums ever paid. If canceled on policy year 21, the return of premium will equal 100% of all premium paid. The second coverage highlight is the Long-Term Care Rider, which can provide an income to coverage Long-Term Care expenses. There are only a few companies that offer long-term care rider on a life insurance product. Make sure you don’t pass on this if you’re worried about the potential costs of long-term care expenses.

How to apply for Nationwide Intelligent No Medical Exam Underwriting

Nationwide Intelligent underwriting is an electronic online-only application process. The application is completed over the telephone and signed electronically. After the application has been completed, the applicant will have the option to immediately complete the telephone interview or schedule it for a later time. The telephone interview can take anywhere from 25 minutes up to 45 minutes. 

Nationwide states that the Intelligent Underwriting program is designed for the healthiest clients as well as clients that are withing height and weight guidelines. It is also noted that even some of the healthiest clients may require full underwriting if they don’t have enough information to make an approval.

Underwriting: Motor Vehicle Report (MVR), Prescription Drug Database

Medical Records: Records could be ordered if needed.

Total Underwriting Time: 7-14 Business Days

Disqualifying Conditions Include: The following is a list of common factors that will disqualify you from the Nationwide Intelligent Underwriting program.

  • Alcohol abuse and/or treatment
  • Atrial fibrillation
  • Bipolar disorder
  • Cancer (except basal cell skin)
  • COPD
  • Crohn’s disease
  • Diabetes
  • Drug abuse and/or treatment
  • Epilepsy/seizure
  • Gastric bypass/lap band
  • Heart disease/surgery, all forms
  • Hepatitis
  • Hypertension (diagnosed within last six months)
  • Kidney disease
  • SLE/lupus
  • Melanoma
  • Multiple sclerosis
  • Parkinson’s disease
  • Peripheral artery disease
  • Rheumatoid arthritis
  • Sleep apnea
  • Stroke/transient ischemic attack
  • Ulcerative colitis

North American Company

North American Company No Medical Exam Life Insurance

North American Write Away Underwriting

AM BEST RATING:A+ = (Superior)
ISSUE AGES:18 – 60
COVERAGE OPTIONS:Term Life Insurance
Permanent Life Insurance
DEATH BENEFIT AMOUNTS:$25,000 – $1,000,000
HEALTH CLASSES:Preferred Plus, Preferred & Standard
APPLICATION TYPE:Online
TELEPHONE INTERVIEW:Yes
EXAM POTENTIAL:Could be required
UNDERWRITING:Medical Information Bureau Data (MIB), MVR, Prescription History, Public Data (Financial, Credit, Court & Property)
FASTEST APPROVAL TIME:48 – 72 Hours

  • Policy Name: ADDvantage Term Life 
  • Type of Policy: Term Insurance
  • Issue Ages: 18-60
  • Term Lengths: 10, 15, 20 & 30 year policies
  • Minimum Coverage Amount: $100,000
  • Maximum Coverage Amount: $1,000,000
  • Non-Medical Caps:
    Ages 18-50: $100,000 – $1,000,000
    Ages 51-60: $100,000 – $500,000
  • Coverage Caps:
    10-Year
    Ages 18-60
    15-Year
    Ages 18-60
    20-Year
    Ages 18-60
    30-Year
    Ages 18-50
  • Included Riders: Accelerated Death Benefit Endorsements (Chronic, Critical & Terminal Illness)
  • Optional Riders: Children’s Term Insurance Rider, Waiver of Term Premium for Disability Rider

Highlights: ADDvantage offers a full living benefits lineup that includes early payout if you become ill with a chronic, critical or terminal illness.

  • Policy Name: Custom Guarantee 
  • Type of Policy: Universal Life Insurance
  • Issue Ages: 18-60
  • Contract Length: Permanent
  • Guaranteed Interest Rate: 2.5%
  • Minimum Coverage Amount: $25,000
  • Maximum Coverage Amount: $1,000,000
  • No Exam Coverage Caps:
    Ages 18-50: $50,000 – $1,000,000
    Ages 51-59: $50,000 – $500,000
    Ages 60: $25,000 – $500,000 
  • Included Riders: Accelerated Death Benefit Riders (Chronic & Terminal Illness Only), Premium Recovery Endorsement
  • Optional Riders: Accidental Death Benefit Rider, Children’s Term Insurance Rider, Guarantee Insurability Rider, Waiver of Monthly Deductions Rider

Highlights: As with the term insurance option, Custom Guarantee also offer the free built-in accelerated death benefit riders. A second built-in feature is the Premium Recovery Endorsement, which is a return of premium feature that is available at policy anniversary years 15, 20, and 25. The final feature that we would like to mention is the Guaranteed Exchange Privilege option. This feature is available at no extra costs and can allow you to switch out you guaranteed universal life policy to a cash-value building indexed universal life insurance policy.

How to apply for North American Write Away no medical exam underwriting

Write Away is an online-only electronic application process. The application is completed over the telephone with a licensed agent and sent to you for an electronic signature.

Applicants will generally be contacted within 12 business hours from the application being submitted to complete the telephone interview. Once the telephone interview has been completed, it will be reviewed by an underwriter to determine eligibility. If eligible an approval will be made. If found ineligible for the Write-Away underwriting program, you will be offered the opportunity to complete an exam.

Underwriting: Medical Information Bureau (MIB), Motor Vehicle Report (MVR), Prescription Drug Database, Public Data (Financial, Credit, Court Records, and Property Records)

Medical Records: Only if full underwriting is required.

Total Underwriting Time: 48-72 Hours

Disqualifying Conditions Include: The following is a list of common factors that will disqualify you from the North American Write Away underwriting program.

  • AIDS or HIV positive
  • Alcohol or drug abuse and/or treatment
  • Aneurysm
  • Anxiety/Attention Deficit Disorder (ADD) – any history of hospitalization; diagnosed within the last 6 months
  • Asthma — moderate to severe; current smoker; or any history of hospitalization
  • Atrial fibrillation
  • Cancer — any cancer except for basal cell and squamous cell skin cancer
  • COPD, chronic bronchitis, or emphysema
  • Crohn’s Disease
  • Depression — moderate to severe; any history of hospitalization; or diagnosed within the last 12 months
  • Diabetes
  • Emotional disorder — bipolar disorder; schizophrenia; any past suicide attempt
  • Heart disease including any heart surgery, heart attack, or angina
  • Hepatitis B or C
  • High Blood Pressure diagnosed in the last 6 months
  • High cholesterol diagnosed in the last 3 months
  • Kidney disease
  • Overweight or Underweight Build
  • Rheumatoid Arthritis
  • Seizure disorder
  • Sleep apnea – diagnosed within the last 6 months; not well controlled
  • Stroke or Mini-stroke (TIA)
  • Ulcerative colitis
  • Weight loss surgery in the past five years
  • Bankruptcy filed in the past 5 years
  • DUI or reckless driving in the past 5 years
  • Felony conviction in the past 10 years
  • Life insurance that was declined, postponed, or charged an extra premium in the past 5 years
  • Visa holder (temporary or permanent)

Pacific Life

Pacific Life No Medical Exam Life Insurance

Pacific Life Smooth Sailing Underwriting

AM BEST RATING:A+ = (Superior)
ISSUE AGES:50 – 69
COVERAGE OPTIONS:Term Life Insurance
Permanent Life Insurance
DEATH BENEFIT AMOUNTS:$25,000 – $1,000,000
HEALTH CLASSES:Preferred Plus, Preferred & Standard
APPLICATION TYPE:Paper or Online
TELEPHONE INTERVIEW:Yes
EXAM POTENTIAL:No, but must have had a comprehensive physical with blood work within the last 18 months
UNDERWRITING:Medical Information Bureau (MIB), MVR, Prescription History
FASTEST APPROVAL TIME:7 – 14 Business Days

  • Policy Name: Promise Term 
  • Type of Policy: Term Insurance
  • Issue Ages: 50-69
  • Term Lengths: 10, 15, 20, 25 & 30 year policies
  • Minimum Coverage Amount: $50,000
  • Maximum Coverage Amount: $1,000,000
  • Coverage Caps:
    10-Year
    Ages 50-69
    15-Year
    Ages 50-69
    20-Year
    Ages 50-65
    25-Year
    Ages 50-60
    30-Year
    Ages 50-55
  • Included Riders: Accelerated Death Benefit Rider (Terminal Illness Only)
  • Optional Riders: Children’s Level Term Insurance Rider, Waiver of Premium Rider

Highlights: Pacific Life Promise Term is an all-around affordable term life insurance coverage. It is priced very well among the competitions especially for older applicants as well as applicants with riskier health conditions.

  • Policy Name: Promise GUL 
  • Type of Policy: Universal Life Insurance
  • Issue Ages: 18-60
  • Contract Length: Permanent
  • Guaranteed Interest Rate: 2%
  • Minimum Coverage Amount: $25,000
  • Maximum Coverage Amount: $1,000,000
  • Included Riders: Accelerated Death Benefit Rider (Terminal Illness Only)
  • Optional Riders: Children’s Level Term Insurance Rider, Chronic Illness Rider, Waiver of Premium Rider

Highlights: Promise GUL offers a bit more in terms of coverage highlights than the term insurance options. For starters, Pacific Life now offers an optional Chronic Illness Care Rider. The rider was added in 2019 and can advance a monthly payout of the death benefit due to a qualifying chronic illness. Promise GUL also offers a built-in return of premium feature that goes in effect at policy years 15, 20, and 25. Since Promise GUL is available at a low starting death benefit of $25,000, it makes for an affordable option to traditional final expense life insurance coverage.

How to apply for Pacific Life Smooth Sailing no medical exam underwriting

Smooth Sailing underwriting is only available to applicants that are between the ages of 50-69. Coverage up to $1,000,000 can be purchased, and the application process can be done electronically online or by paper submission. A medical exam is not traditionally required, but you must have had a physical with lab work done within the last 18 months from applying.

Since Smooth Sailing is a niche underwriting especially for age 50-69, it is ideal for seniors that still have a high need for larger coverage amounts. Underwriting is also very lenient towards many non-severe health risks and can be approved at very affordable rates. 

Underwriting: Medical Information Bureau (MIB), Motor Vehicle Report (MVR), Prescription Drug Database, Public Data (Financial, Credit, Court Records, and Property Records)

Medical Records: Yes

Total Underwriting Time: 7 – 14 Business Days

Disqualifying Conditions Include: The following is a list of common factors that will disqualify you from the Pacific Life Smooth Sailing underwriting program.

  • Are not between the program ages of 50-69
  • Amount of coverage is greater than $1,000,000
  • Applicant has not had a comprehensive physical with blood work with their personal physician within the last 18 months
  • Applicant’s medical history with their APS is insufficient.

NOTE: Pacific Life uses an underwriting manual that has a list of both medical and non-medical factors that can disqualify you from Smooth Sailing underwriting or for coverage altogether.  

Principal Financial

Principal No Medical Exam Life Insurance

Principal Accelerated Underwriting

AM BEST RATING:A+ = (Superior)
ISSUE AGES:18 – 60
COVERAGE OPTIONS:Term Life Insurance
Permanent Life Insurance
DEATH BENEFIT AMOUNTS:$50,000 – $1,000,000
HEALTH CLASSES:Super Preferred, Preferred, Super Standard & Standard
APPLICATION TYPE:Online
TELEPHONE INTERVIEW:Yes
EXAM POTENTIAL:Yes could be required
UNDERWRITING:Medical Information Bureau (MIB), MVR, Prescription History
FASTEST APPROVAL TIME:24-48 Hours

  • Policy Name: Principal Term 
  • Type of Policy: Term Insurance
  • Issue Ages: 20-60
  • Term Lengths: 10, 15, 20 & 30 year policies
  • Minimum Coverage Amount: $200,000
  • Maximum Coverage Amount: $1,000,000
  • Coverage Caps:
    10-Year
    Ages 20-60
    15-Year
    Ages 20-60
    20-Year
    Ages 20-60
    30-Year
    Ages 20-55
  • Included Riders: Accelerated Death Benefit Rider (Terminal Illness Only)
  • Optional Riders: Children Term, Conversion Extension, Waiver of Premium

Highlights: In terms of actual coverage highlights, Principal doesn’t offer too much to get excited about, and this shouldn’t be taken as a bad thing. The term insurance still provides valuable death benefit protection, but the optional policy riders are average riders. The one unique policy rider is the Conversion Extension, which extends the amount of time in which the term insurance can be converted into permanent coverage. Where Principal does excel at is within their competitive sweet spots for applicants ages 35-55, and coverage amounts greater than $1,000,000. If you fall within these two categories, there is a good chance that Principal will be able to offer some affordable no medical exam rates with their term insurance. 

  • Policy Name: Universal Life Protector IV 
  • Type of Policy: Universal Life Insurance
  • Issue Ages: 18-60
  • Contract Length: Permanent
  • Guaranteed Interest Rate: 2%
  • Minimum Coverage Amount: $50,000
  • Maximum Coverage Amount: $1,000,000
  • Included Riders: Accelerated Benefits Rider (Terminal Illness Only), Cost of Living Increase Rider, Extended Coverage Rider, Lapse Protection Rider
  • Optional Riders: Children Term Insurance Rider, Salary Increase Rider, Waiver of Monthly Policy Charge Rider

Highlights: Protector IV offers a few more policy riders than their term insurance, but again, nothing too exciting. A free-rider worth mentioning is the Cost of Living Rider that will allow for additional coverage to be purchased if there has been a rise in the cost of living. However, electing this option will result in having to pay extra premiums. If policy riders are not a concern and the main focus is on affordable permanent life insurance protection, Principal will be most competitive ages 55-70 with life insurance needs that are at least $1,000,000 or greater.

How to apply for Principal Accelerated Underwriting

Principal Accelerated Underwriting aims to provide a speedy, no medical exam underwriting process to applicants that can meet the program guidelines. The application is completed online or by TeleApp. Healthy applicants can receive approval as fast as 24 hours. An important note to mention is that Principal states that 45 to 55 percent of applicants will qualify for their Accelerated Underwriting program.   

Underwriting: Medical Information Bureau (MIB), Motor Vehicle Report (MVR), Prescription Drug Database

Medical Records: No

Total Underwriting Time: 24 Hours

Disqualifying Conditions Include: The following is a list of common factors that will disqualify you from the Principal Accelerated Underwriting program.

  • Non-U.S. citizen or permanent resident or travels to hazardous locations. (Applicants must reside in the U.S.)
  • Blood pressure is greater than 155/92 for ages 18-44, and 160/92 for ages 45-60.
  • Total cholesterol is greater than 275.
  • You have filed for bankruptcy in the past five years.
  • Used marijuana use in the past five years.
  • Have had a DUI or reckless driving event within the past 10 years.
  • Have had a felony conviction in the past 10 years.
  • Had a life, health or disability insurance rated, rendered, or declined.
  • Have had a prior informal requests for life insurance coverage to Principal within the last 24 months.

Major Medical Conditions

  • Alcohol abuse and treatment
  • Atrial Fibrillation
  • Barrett’s Esophagus
  • Bipolar Disorder
  • Cancer (exceptions: Basal Cell and Squamous Cell Carcinomas)
  • Chronic Obstructive Pulmonary Disease (COPD/Emphysema)
  • Crohn’s Disease
  • Diabetes
  • Drug abuse and treatment
  • Epilepsy/Seizure
  • Gastric Bypass/Lap Band
  • Heart Disease/Surgery
  • Hepatitis
  • Hypertension (diagnosed within six months)
  • Kidney Disease
  • SLE/Lupus
  • Melanoma
  • Multiple Sclerosis (MS)
  • Parkinson’s Disease
  • Peripheral Artery Disease (PAD)/Peripheral Vascular Disease (PVD)
  • Rheumatoid Arthritis (RA)
  • Sleep Apnea
  • Stroke/Transient Ischemic Attack (TIA)
  • Ulcerative Colitis (UC)

Protective

Protective No Medical Exam Life Insurance

Protective PLUS Underwriting

AM BEST RATING:A+ = (Superior)
ISSUE AGES:18 – 60
COVERAGE OPTIONS:Term Life Insurance
DEATH BENEFIT AMOUNTS:$100,000 – $1,000,000
HEALTH CLASSES:Preferred Plus & Preferred
APPLICATION TYPE:Online
TELEPHONE INTERVIEW:Yes
EXAM POTENTIAL:Yes could be required
UNDERWRITING:Medical Information Bureau (MIB), MVR, Prescription History
FASTEST APPROVAL TIME:48-72 Hours

  • Policy Name: Custom Choice UL
  • Type of Policy: Blended Term & Universal Insurance
  • Issue Ages: 18-60
  • Term Lengths: 10, 15, 20, 25 & 30 year policies
  • Minimum Coverage Amount: $100,000
  • Maximum Coverage Amount: $1,000,000
  • Non-Medical Caps:
    Ages 18 to 45: $100,000 – $1,000,000
    Ages 46 to 60: $10,000 – $500,000
  • Coverage Caps:
    10-Year
    Ages 18-60
    15-Year
    Ages 18-60
    20-Year
    Ages 18-60
    25-Year
    Ages 18-55
    30-Year
    Ages 18-50
  • Included Riders: Income Provider Option, Terminal Illness Accelerated Death Benefit
  • Optional Riders: Accidental Death Benefit Rider, Children’s Term Life Insurance Rider, Disability Benefit Rider

Highlights: Protective Custom Choice UL is a unique life insurance coverage. The reason being is that it is a blend of both term life insurance as well as universal life insurance. With Custom Choice UL, you can choose a fixed premium duration from 10-30 years. Depending on the contract length chosen, the premium will remain the same until the contract length is up. After the contract length has expired, Custom Choice offer something that the majority of most life insurance plan do not. After the contract period ends, the life insurance policy automatically turns into a decreasing death benefit. The death benefit will decrease each year but your premium will remain the same as you were paying until the death benefit has reached $10,000. 

How to apply for Protective PLUS no medical exam underwriting

Protective PLUS accelerated underwriting offers a quick 48-72 hour approval time. The majority of the application process is done over the telephone after the initial ticket has been submitted to the insurance company. Shortly after the telephone interview has been completed, either approval will be made or notification that traditional underwriting with an exam will be needed.

Underwriting: Medical Information Bureau (MIB), Motor Vehicle Report (MVR), Prescription Drug Database

Medical Records: Could be ordered if the applicant does not meet the accelerated program guidelines.

Total Underwriting Time: 48-72 Hours

Disqualifying Conditions Include: The following is a list of common factors that will disqualify you from the Protective PLUS accelerated underwriting program.

  • Alcohol abuse and/or treatment
  • Drug abuse and/or treatment
  • AIDS
  • Disorder of the immune system
  • Rheumatoid Arthritis
  • SLE/Lupus
  • Epilepsy, seizures, paralysis, or mental or nervous disorder or depression
  • Disorder of the muscles including muscular dystrophy, ALS (amyotrophic lateral sclerosis), multiple sclerosis, motor neuron disease
  • Parkinson’s Disease
  • Suicidal thoughts
  • ADD/ADHD
  • Anorexia/Bulimia
  • Weight loss surgery such as Gastric Bypass or Sleeve or Lap Band Surgery
  • Coronary artery disease, carotid disease, heart attack, stroke, heart or other circulatory system surgery
  • Atrial Fibrillation
  • Peripheral Artery Disease (PAD)
  • Peripheral Vascular Disease (PVD)
  • Stroke/Transient Ischemic Attack (TIA)
  • Hypertension (diagnosed within the past year)
  • Melanoma
  • Cancer or malignant tumor
  • Chronic Obstructive Pulmonary Disease (COPD)
  • Asthma
  • Sarcoidosis
  • Sleep Apnea
  • Barrett’s Esophagus, Hepatitis, Crohn’s Disease, intestinal bleeding, chronic diarrhea or Ulcerative Colitis or other disorder of the liver
  • Diabetes/Gestational Diabetes or hyperthyroid or other endocrine disorder
  • Kidney disease or disorder of the kidney

Prudential

Prudential No Medical Exam Life Insurance

Prudential PruFast Track Underwriting

AM BEST RATING:A+ = (Superior)
ISSUE AGES:18 – 60
COVERAGE OPTIONS:Term Life Insurance
Permanent Life Insurance
DEATH BENEFIT AMOUNTS:$100,000 – $1,000,000
HEALTH CLASSES:Preferred Plus, Preferred, Non-Smoker Plus & Non-Tobacco
APPLICATION TYPE:Online
TELEPHONE INTERVIEW:Yes
EXAM POTENTIAL:Yes could be required
UNDERWRITING:Medical Information Bureau (MIB), MVR, Prescription History, Fraud & Insurance History
FASTEST APPROVAL TIME:24-72 Hours

  • Policy Name: Term Essential 
  • Type of Policy: Term Insurance
  • Issue Ages: 18-60
  • Term Lengths: 10, 15, 20 & 30 year policies
  • Minimum Coverage Amount: $100,000
  • Maximum Coverage Amount: $1,000,000
  • Coverage Caps:
    10-Year
    Ages 18-60
    15-Year
    Ages 18-60
    20-Year
    Ages 18-60
    30-Year
    Ages 18-50
  • Included Riders: Living Needs Benefit Rider (Terminal Illness & Nursing Home)
  • Optional Riders: Accidental Death Benefit, Children’s Protection Rider, Waiver of Premium

Highlights: Prudential may not be the cheapest term life insurance company based on price, but they can offer a ton of value in other areas. For example, Prudential is often a go-to company for clients with high-risk health conditions as well as tobacco users (cigar, chewers, and even occasion marijuana users). Prudential can often offer these applicants that fall within those guidelines with affordable term life insurance rates. A really neat feature that comes included with Term Essential is the Living Needs Benefit Rider. This rider can allow for the death benefit to be used if either diagnosed with a terminal illness or if the insured is required to be permanently confined to a nursing home.

  • Policy Name: PruLife Universal Protector
  • Type of Policy: Universal Life Insurance
  • Issue Ages: 18-60
  • Contract Length: Permanent
  • Guaranteed Interest Rate: 1%
  • Minimum Coverage Amount: $50,000
  • Maximum Coverage Amount: $1,000,000
  • Included Riders: Living Needs Benefit (Terminal Illness & Nursing Home)
  • Optional Riders: Accidental Death Benefit, Benefit Access Rider, Children Level Term Rider, Enhanced Disability Benefit

Highlights: Prudential’s Universal Life Protector offers a competitively priced permanent life insurance coverage. It is especially competitive for when it comes to residents of the state of New York, where guaranteed universal life insurance options have become very limited. The biggest policy feature offered with the life insurance coverage is the Benefit Access Rider. The policy rider can pay a monthly income benefit if diagnosed with a chronic or terminal illness.

How to apply for Prudential PruFast Track no medical exam underwriting

Prudential PruFast Track underwriting provides applicants with no medical exam approval within 48 hours from submitting an application and completing the required telephone interview. The application process is quickly done online, with the majority of the application being completed through the telephone interview. As previously mentioned, Prudential can be an excellent option for those with health conditions that would generally not qualify for no exam coverage with other companies.

For example, Prudential will consider any applicant for no medical exam coverage if they have minor health conditions such as:

  • Hypertension (well controlled)
  • Mild Asthmas
  • Cysts
  • Benign Polyps
  • Mild Anxiety
  • Basal Cell Cancer
  • Rheumatoid Arthritis
  • Some types of Benign Heart Murmurs. 

Underwriting: Medical Information Bureau (MIB), Motor Vehicle Report (MVR), Prescription Drug Database, Fraud & Insurance History Check

Medical Records: Could be ordered if needed to help with underwriting.

Total Underwriting Time: 24-72 Hours

Disqualifying Conditions Include: The following is a list of common factors that will disqualify you from the Prudential PruFast Track Underwriting program.

  • Current tobacco user
  • Currently taking medication for high cholesterol
  • Being treated for heart disease, diabetes or glucose intolerance
  • Have had a stroke, hepatitis or cancer other than skin
  • Have been treated for drug or alcohol abuse in the past 10 years
  • Have a family member that has died before the age of 60 from heart disease, stroke, or cancer
  • Have applied for life insurance in the past year
  • Have been convicted of a DUI or other motor vehicle violations

NOTE: The above are some more common factors that can disqualify someone from the PruFast Track underwriting process. Other medical and non-medical issues could also prevent qualification for the program. 

Sagicor

Sagicor Life No Medical Exam Life Insurance

Sagicor Accelewriting Underwriting

AM BEST RATING:A- = (Excellent)
ISSUE AGES:18 – 65
COVERAGE OPTIONS:Term Life Insurance
Permanent Life Insurance
DEATH BENEFIT AMOUNTS:$25,000 – $1,000,000
HEALTH CLASSES:Preferred & Standard
APPLICATION TYPE:Online
TELEPHONE INTERVIEW:No
EXAM POTENTIAL:No (Accept or Reject Coverage)
UNDERWRITING:Medical Information Bureau (MIB), MVR, Prescription History, Public Records & Credit File Information
FASTEST APPROVAL TIME:2 Minutes

  • Policy Name: Sage Term 
  • Type of Policy: Term Insurance
  • Issue Ages: 18-65
  • Term Lengths: 10, 15 & 20 year policies
  • Minimum Coverage Amount: $50,000
  • Maximum Coverage Amount: $1,000,000
  • Non-Medical Caps:
    Ages 18 to 45: $50,000 – $1,000,000
    Ages 46 to 55: $50,000 – $750,000
    Ages 56 to 65: $50,000 – $500,000
  • Coverage Caps:
    10-Year
    Ages 18-65
    15-Year
    Ages 18-65
    20-Year
    Ages 18-65
  • Included Riders: Accelerated Benefit Insurance Rider (Terminal Illness & Nursing Home)
  • Optional Riders: Accidental Death Benefit Rider, Children’s Term Rider, Waiver of Premium Rider

Highlights: Sagicor Sage Term was one of the first no medical exam term life insurance options ever available. This was several years before the majority of the companies listed on our 20 best no medical exam life insurance companies list. Sage Term offers up to $1,000,000 of death benefit protection to applicants up to age 45. Best of all, applicants age 65 can get up to $500,000. The life insurance coverage offers a built-in Accelerated Benefit Insurance Rider that allows for early access to the death benefit if a terminal illness has occurred or if the insured has become permanently confined to a nursing home. 

  • Policy Name: Sage NLUL
  • Type of Policy: Universal Life Insurance
  • Issue Ages: 18-65
  • Contract Length: Permanent
  • Guaranteed Interest Rate: 2.5%
  • Minimum Coverage Amount: $25,000
  • Maximum Coverage Amount: $400,000
  • Included Riders: Accelerated Benefit Insurance Rider (Chronic Illness & Terminal Illness)
  • Optional Riders: Accidental Death Benefit Rider, Children’s Term Rider, Waiver of Premium Rider

Highlights: Sagicor Sage NLUL offers up to $400,000 of no medical exam permanent life insurance coverage. In addition to a fixed premium that is guaranteed to remain the same price to age 120, you will also have access to the free Accelerated Benefit Insurance Rider.

How to apply for Sagicor Accelewriting no medical exam underwriting

Sagicor Accelewriting underwriting is one of the fastest no medical exam life insurance options currently available. Their quick ability to provide fast life insurance cover often makes them easily one of the best no medical life insurance companies on the market. Healthy applicants can receive approval for coverage in as fast as 2 minutes from the application being submitted. Now with that said, there are some variables to how fast approval will be made, with most cases taking up to 24-28, but a 2-minute approval is not out of the possibilities. 

Sagicor approval is based on either accepted or not accepted basis. This means that you will not be asked to take a medical exam or even be given the opportunity to take an exam if you do not meet program guidelines. The application process is done only, but a paper application option is available. Opting to complete a paper application will delay the underwriting quickness.

Underwriting: Medical Information Bureau (MIB), Motor Vehicle Report (MVR), Prescription Drug Database, Public Records and Credit File Information

Medical Records: None

Total Underwriting Time: 24-48 Hours with the potential of 2 minutes

Disqualifying Conditions Include: The following is a list of common factors that will disqualify you from the Sagicor Accelewriting Underwriting program if you answer “yes“.

  • Does the Proposed Insured currently receive health care at home, or require assistance with bathing, dressing, feeding, taking medications or use of toilet?
  • Is the Proposed Insured currently in a Hospital, Psychiatric, Extended or Assisted Care, Nursing facility?
  • Is the Proposed Insured currently incarcerated due to a misdemeanor or felony conviction?
  • Has the Proposed Insured ever tested positive for the HIV virus or been diagnosed by a member of the medical profession as having AIDS or the AIDS Related Complex (ARC)?
  • Has the Proposed Insured ever tested positive for or been diagnosed by a member of the medical profession as having Alzheimer’s or Dementia, Cirrhosis, Emphysema or Chronic Obstructive Pulmonary Disease (COPD)?
  • In the past 10 years has the proposed insured had 2 or more of the following impairments: Cancer, Diabetes, coronary artery disease (including Heart Attack), Stroke or TIA (Transient Ischemic Attack), carotid artery disease, heart valve replacement, Peripheral Vascular Disease (PVD), Peripheral Artery Disease (PAD) or had multiple strokes or transient ischemic attacks (TIA)?
  • Has the Proposed Insured in the past 12 months been advised by a physician to be hospitalized or to have Diagnostic Tests, Surgery, or any medical procedure that has not yet been completed or for which the results are not yet available, except those tests related to the Human Immunodeficiency Virus (AIDS)?
  • Has the Proposed Insured in the past 24 months been diagnosed as having or advised by a physician to have treatment for Cancer (other than Basal Cell Carcinoma), Heart Attack, Stroke or TIA (Transient Ischemic Attack), Alcohol or Drug Abuse?
  • Has the Proposed Insured in the past 24 months had a Driver’s License revoked or suspended, or been convicted of 2 or more moving violations, or been convicted of a violation for driving while intoxicated or under the influence, or for driving while ability impaired because of the use of alcohol and/or drugs?

NOTE: The above 12 bullet points are the knockout questions for the Accelewriting program. If you answered “no” to all 12 questions you are eligible for the program.  

SBLI

SBLI No Medical Exam Life Insurance

SBLI Accelerated Underwriting

AM BEST RATING:A = (Excellent)
ISSUE AGES:18 – 60
COVERAGE OPTIONS:Term Life Insurance
DEATH BENEFIT AMOUNTS:$100,000 – $500,000
HEALTH CLASSES:Preferred Plus. Preferred, Standard Plus & Standard
APPLICATION TYPE:Paper & Online
TELEPHONE INTERVIEW:Yes
EXAM POTENTIAL:None
UNDERWRITING:Medical Information Bureau (MIB), MVR, Prescription History, Fair Credit Reporting Act (FCRA)
FASTEST APPROVAL TIME:24 -72 Hours

  • Policy Name: Level Term Life Insurance 
  • Type of Policy: Term Insurance
  • Issue Ages: 18-60
  • Term Lengths: 10, 15, 20, 25 & 30 year policies
  • Minimum Coverage Amount: $100,000
  • Maximum Coverage Amount: $500,000
  • Coverage Caps:
    10-Year
    Ages 18-60
    15-Year
    Ages 18-60
    20-Year
    Ages 18-66
    25-Year
    Ages 18-55
    30-Year
    Ages 18-50
  • Included Riders: Accelerated Death Benefit Rider (Terminal Illness)
  • Optional Riders: Accidental Death Benefit Rider, Children’s Level Term Rider, Waiver of Premium

Highlights: SBLI is a solid choice for no medical exam term life insurance coverage. The term insurance is very basic but provides what you need from a life insurance policy, which is financial protection for your family or even business. SBLI is highly competitive when it comes to life insurance for women, coverage for ages 25-45, and death benefits that are between $250,000 – $500,000. 

How to apply for SBLI Accelerated no medical exam underwriting

SBLI’s no medical exam life insurance program offers a hassle-free applying process. The insurance company was one of the first to offer up to $500,000 without an exam, along with the ability to qualify for preferred plus rates. SBLI is definitely on the top of our list when we have clients that want a no physical life insurance application process. All that is required is a simple application ticket submitted by one of our licensed agents. From there, the client is contacted generally within 24 hours to complete a telephone application, which takes 30-45 minutes.

SBLI is no medical exam friendly for the following health conditions:

  • Asthma
  • Anxiety/Depression, with first-line treatment medication
  • BPH/Benign Prostate Disorder
  • Cholesterol treatment
  • Crohn’s Disease
  • Diabetes/Type 2/adult onset/diet controlled
  • GERD/Reflux Disease
  • Hepatitis A and B, acute
  • High Blood Pressure treatment
  • Obstructive Sleep Apnea, mild, with confirmation of CPAP use
  • Skin Disorders, other than Melanoma or Squamous
  • Cell Carcinoma
  • Thyroid Disorder
  • Ulcerative Colitis

Underwriting: Medical Information Bureau (MIB), Motor Vehicle Report (MVR), Prescription Drug Database, Fair Credit Reporting Act (FCRA)

Medical Records: Yes could be required

Total Underwriting Time: 24-75 Hours

Disqualifying Conditions Include: The following is a list of common factors that will disqualify you from the SBLI Accelerated Underwriting program.

  • Clients age 50 and over who do not have routine wellness care
  • AIDS/HIV+ status
  • ALS (Amyotrophic Lateral Sclerosis)
  • Alzheimer’s Disease, Dementia or significant Cognitive Impairments related to functionality
  • Cancer diagnosis within the last 2 years
  • Chronic Pain treatment, severe, receiving disability, narcotic use
  • Cirrhosis of the Liver
  • Congestive Heart Failure
  • COPD/Emphysema or Chronic Bronchitis, severe or with current nicotine use
  • Cystic Fibrosis
  • Defibrillator use
  • Stroke within the last year
  • Suicide attempt within the last 5 years
  • Depression, severe, recurrent or with multiple in-patient hospitalization history
  • Diabetes with co-morbidities, including significant Cardiac disease or impairment of Renal function or mobility
  • Heart/Cardiac Disease, multiple vessels diagnosed within the last 2 years or any past history with current nicotine use
  • Muscular Dystrophy
  • Multiple Sclerosis, if symptoms progressing
  • Organ Transplants, in most scenarios
  • Quadriplegia
  • Pulmonary Hypertension
  • Renal Failure, Renal Insufficiency, severe
  • Surgical repair of Heart Valves, aneurysms, intracranial tumors or major organs within the last 6 months, including gastric bypass

Transamerica

Transamerica No Medical Exam Life Insurance

Transamerica Non-Med Underwriting

AM BEST RATING:A = (Excellent)
ISSUE AGES:18 – 60
COVERAGE OPTIONS:Term Life Insurance
DEATH BENEFIT AMOUNTS:$25,000 – $249,999
HEALTH CLASSES:Standard
APPLICATION TYPE:Paper & Online
TELEPHONE INTERVIEW:No
EXAM POTENTIAL:None
UNDERWRITING:Medical Information Bureau (MIB), MVR, Prescription History, Personal History & Medical History
FASTEST APPROVAL TIME:2-5 Business Days

  • Policy Name: Trendsetter LB 
  • Type of Policy: Term Insurance
  • Issue Ages: 18-60
  • Term Lengths: 10, 15, 20, 25 & 30 year policies
  • Minimum Coverage Amount: $25,000
  • Maximum Coverage Amount: $249,999
  • Coverage Caps:
    10-Year
    Ages 18-60
    15-Year
    Ages 18-60
    20-Year
    Ages 18-60
    25-Year
    Ages 18-60
    30-Year
    Ages 18-58
  • Included Riders: Chronic Illness Accelerated Death Benefit, Critical Illness Accelerated Death Benefit, Terminal Illness Accelerated Death Benefit, Conversion Option Endorsement, Income Protection Option
  • Optional Riders: Accidental Death Benefit Rider, Children’s Insurance Rider, Disability Waiver of Premium Rider, Monthly Disability Income Rider

Highlights: When it comes to life insurance with living benefits, Transamerica is the front runner. The company was one of the first to offer the free built-in policy riders in their term life insurance coverage. You can also enhance the coverage by adding the monthly disability income rider which can pay out a monthly income due to a disability causing you to lose time at work. 

How to apply for Transamerica Non-Med underwriting

Transamerica offers an electronic application only process to provide quick non-medical underwriting approval to qualifying applicants. The life insurance application is done with an agent online and sent to the applicant to sign through email. Once the application has been completed, it is sent to underwriting to begin the underwriting process. Some applicants may experience approval within the same day as applying. 

NOTE: Transamerica offers an excellent life insurance coverage option through their TrendSetter Living Benefits coverage. The only downside to the no medical exam option is that the best health class will be at standard rates. There are other companies on our list of the top 20 best no medical exam life insurance that offer identical coverage with the potential for preferred rates.

Underwriting: Medical Information Bureau (MIB), Motor Vehicle Report (MVR), Prescription Drug Database, Personal History, and Medical History

Medical Records: Yes could be required

Total Underwriting Time: 2-5 Business Days

Disqualifying Conditions Include: Transamerica utilizes a list of several different medical impairments. Transamerica even states within their Frequently Asked Questions that applications in which the applicant had a history of cancer, stroke, or heart attack will still be reviewed for underwriting. 

Who Is A No Medical Exam Life Insurance Policy Best For?

Due to the popularity of no medical exam life insurance policies, there has been a large demand for a 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.

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 always on the move with work, family activities and 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 a while

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 other levels 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 enough to meet the underwriting guidelines for coverage. 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, several companies will allow you to instantly secure up to $500,000 in death benefit coverage. There are even a few that offer up to $1,000,000.

Need more? Consider purchasing an additional policy with a second no medical exam life insurance company.

Take a skip on the needle poke, peeing in a cup and blood pressure readings

Have a fear of needles, blood draws, or blood pressure readings? Then there is no doubt about it; 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 a medical exam. Monthly premium = $30.63

You are in good health

No medical exam life insurance is an excellent 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 makes more sense for your situation, then, by all means, we will do everything we can to get you approved and covered right away.

What Type of No Medical Exam Life Insurance Should You Choose?

As accelerated acceptance policies offer the best rates compared to other no medical exam options, it is the first choice for healthy individuals. However, you need a strong credit rating and no history of significant health issues.

If you have a few health issues that disqualify for you accelerated acceptance, a simplified-issue policy may meet your needs. You can qualify with minor issues, such as sleep apnea, high blood pressure, or smoking.

For those that cannot qualify for insurance policies with accelerated or simplified underwriting, guaranteed acceptance provides a final option. You cannot get turned down, but will likely pay more and receive limited coverage.

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.

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