No-Exam Life Insurance
Get no-exam life insurance without blood tests, urine samples, or medical appointments. We compare carriers that offer accelerated underwriting so you can get covered in days, not weeks.
Traditional life insurance requires a full medical exam. A paramedical professional comes to your home or office, draws blood, collects urine, takes your vitals, and asks health questions. The process takes 4-6 weeks from application to policy.
No-exam policies skip all that. For many applicants, approval comes in days. Sometimes instantly.
How No-Exam Life Insurance Works
You answer health questions online or over the phone. The carrier uses accelerated underwriting technology to assess your risk. They check prescription databases (MIB and Rx records), motor vehicle reports, and public records electronically.
Advanced algorithms analyze this data and make a decision. Many applicants receive approval within 24-48 hours. Some get instant decisions on the spot.
If the automated system can't make a decision, you might be asked to complete a traditional exam. But most healthy applicants qualify for accelerated approval.
Who Should Consider No-Exam Coverage?
• Busy professionals who can't schedule an exam - No need to take time off work or rearrange your schedule.
• Anyone who hates needles - Blood draws aren't for everyone. Skip them entirely.
• People who need coverage quickly - Closing on a house? New baby? No-exam gets you covered faster.
• Those with mild health issues who might test poorly - Lab values fluctuate. Accelerated underwriting looks at patterns, not single test results.
• Anyone who values convenience - Simple, fast, done.
The Trade-Off: Price vs. Convenience
No-exam policies typically cost 10-20% more than fully underwritten policies. You're paying for convenience. The carrier takes on more risk by not examining you, and they price accordingly.
For some people, that premium is worth it. Time has value. Convenience has value. Not everyone wants a nurse in their home drawing blood.
For others, the traditional underwriting route makes more sense. If saving every dollar matters and you don't mind the exam, full underwriting usually delivers the lowest rate.
We help you decide which approach fits your priorities.
Coverage Limits for No-Exam Policies
Most no-exam policies cap coverage at $500,000 to $1 million. Some carriers offer up to $2 million for highly qualified applicants. If you need more coverage than that, traditional underwriting is typically required.
What Disqualifies You from No-Exam Coverage?
Not everyone qualifies for accelerated underwriting. Carriers typically require traditional exams for applicants with significant health histories, hazardous occupations, or who need very high coverage amounts. If you've had major health events recently, you may need a full exam.