Updated: June 2025
Quieter: Person who doesn’t enjoy visiting the doctor’s office and has a strong fear of needles. You are definitely not the only one. The good news is that these days, many insurance companies offer life insurance policies without a medical exam. This type of insurance allows you to be issued a life insurance policy much faster and with less difficulty even if you are busy or even if you have a medical condition.
The publication informs its readers about the principles underlying the existence of these bases, which are eligible people, the advantages and disadvantages and the way to sign up for these bases in 2025.
What Is No Medical Exam Life Insurance?
No-medical-exam life insurance is a policy where you need not take a medical evaluation and give blood/urine samples in order to get approval. Digital data like the following are primarily used by insurers:
- Prescription history
- Medical records
- Credit and driving history
- Answers from your application
Usually, such policies can be approved within minutes and up to days, but not weeks
Who Should Consider It?
This choice is very fitting for individuals who are:
Professionals having a tight schedule
Seniors or people who have minor health issues
People who have the phobia of medical procedures
One who needs instant coverage for loans or family protection
Note: Although you are not going through a medical examination, you are still required to provide correct health information. Being dishonest at this stage will lead to your claim being rejected when it is finally made.
Types of Life Insurance Without a Medical Exam
1. Simplified Issue Life Insurance
- Needs health questions but no physical exam
- Can be taken either as a term life or whole life insurance
- Maximum coverage (up to $1 million)
Suitable for people in good health who value simplicity.
2. Guaranteed Issue Life Insurance
- No health questions or exam
- Almost anybody aged between 50 and 80 years is usually given approval
- Lower coverage (usually $5,000–$25,000)
- 2-year waiting period for full benefits
This is really the only choice for the sick.
3. Accelerated Underwriting Policies
- combines artificial intelligence/data rapid approval technology
- Are practically always available via major insurance companies
- Policyholder protection up to $1 million or more
Best for tech gurus with good health.
How Much Does It Cost?
In most cases, the no-exam insurance policies are quite costly as compared to the regular ones. Here is a simple monthly figure as a reference:
| Age | Coverage | Simplified Issue | Guaranteed Issue |
|---|---|---|---|
| 30 | $250,000 | $22–$35 | N/A |
| 50 | $100,000 | $45–$70 | $70–$90 (for $25k) |
| 65 | $25,000 | $70–$95 | $90–$120 |
Pros and Cons
Advantages:
- No doctor visits or labs
- Fast approval (in some cases, same day)
- Ideal for those with pre-existing conditions
- Convenient online application
Disadvantages:
- Higher premiums
- Lower maximum coverage (especially for guaranteed issue)
- Some policies have waiting periods
How to Apply (Step-by-Step)
- Compare quotes online from companies such as Haven Life, Ethos, Mutual of Omaha, or AIG
- Select the kind of policy you want (simplified or guaranteed)
- Fill the form with right information
- Get an approval—sometimes instantly
- Commence making premium payments to activate the coverage
Tip: Always carefully read all the terms and conditions—do not skip the parts that contain the waiting periods and the coverage exclus