No-Exam · Compare quotes
No-Exam Life Insurance
Get covered in days, not weeks — no needles.
No-exam life insurance lets you skip the medical exam. Carriers use data like prescription history and motor vehicle records to approve healthy applicants fast — often the same day. Available for term, whole and final expense policies.
Approval
Minutes–days
Coverage
Up to $3M
Exam
Not required
Best for
- Busy professionals
- People who dislike needles or exams
- Anyone who needs coverage quickly
- Healthy applicants under 60
What's the main reason you want coverage?
This helps us match you with the right policy type.
Secure & private. We never sell your information.
How it works
How no-exam coverage works
01
Apply online or by phone
Answer health and lifestyle questions — usually 15–20 minutes.
02
Instant data review
Carriers check prescription, medical information bureau and driving records digitally.
03
Get approved fast
Many applicants receive an instant decision and can start coverage the same day.
Pros & cons
- No blood or urine tests
- Fast approval
- Rates comparable to fully underwritten for healthy applicants
- Fully digital process
- Coverage caps lower than traditional policies
- Not everyone qualifies for accelerated underwriting
- May cost more for some health profiles
Sample monthly rates
| Profile | Coverage | Est. monthly |
|---|---|---|
| 30-yr-old, non-smoker | $500K / 20 yrs | $20–$28 |
| 40-yr-old, non-smoker | $1M / 20 yrs | $55–$75 |
| 50-yr-old, non-smoker | $250K / 15 yrs | $45–$65 |
Illustrative ranges for healthy applicants. Your actual rate depends on underwriting.
No-Exam questions, answered
Compare other coverage types