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Looking for no medical exam life insurance? SelectQuote can find the right life insurance for you for as little as $1 a day.
When you need life insurance without the wait, instant coverage makes all the difference. SelectQuote can help you sign up for up to $5 million in coverage today with no medical exam necessary. Skip the wait and get enrolled today.
No Exam Life Insurance: Quick Coverage Without the Hassle
For many types of life insurance, a medical exam is required to help determine the final rate you receive. This means the approval process can take weeks, as you have to schedule and attend the exam, and then the analysis of that exam is used to underwrite your final policy. Instant life insurance doesn’t require a medical exam, meaning you can get coverage much faster.When you shop for instant term life insurance with SelectQuote, you get financial protection for your family at a price that doesn’t break the bank. We offer up to $5 million in coverage without the hassle of a medical exam. In less than an hour, you can shop for term life insurance that offers fully underwritten rates that work within your budget. After a convenient online application, you can have life insurance today.If you’re 60 years old or younger and in generally good health, you can enjoy the peace of mind life insurance brings at a price that won’t bust your budget—all over your lunch break.There are also several other types of no medical exam life insurance called final expense insurance. These plans are available to older people and still come with the convenience of not having to complete a medical exam, but with lower coverage amounts.Understanding the Types of Life Insurance with No Medical Exams
No medical exam life insurance provides a fast and convenient way to secure coverage without the need for a physical exam or lengthy health questionnaires. This type of insurance can be particularly appealing for those who want to skip the medical process, whether due to time constraints, privacy concerns, or potential health issues. However, not all no medical exam policies are created equal. They come in different forms, including simplified issue, guaranteed issue, and expedited underwriting policies, each offering distinct advantages and limitations. Here’s a closer look at the options you may want to consider:Instant Term Life Insurance
Instant term life insurance is a type of life insurance policy that provides quick coverage, often with approval and issuance within minutes to an hour, without the need for a medical exam or a lengthy underwriting process. This makes it an appealing option for those who want to secure life insurance quickly and without hassle. The application process is streamlined, typically done online, and often involves answering a few basic health questions rather than undergoing a full medical exam or submitting extensive medical records.The coverage is term-based, meaning it lasts for a specific number of years, such as 10, 20, or 30 years, with a fixed premium for the duration of the term. Overall, instant term life insurance is a great choice for those 60 years old or younger who need fast, no-hassle coverage.Simplified Issue Life Insurance
Simplified issue life insurance is a type of final expense insurance (also called burial insurance) and replaces the medical exam with a health-related questionnaire. Simplified issue life insurance is an excellent option if you’re between the ages 45 and 85 and are looking for a policy up to $100,000.Guaranteed Issue Life Insurance
Guaranteed issue life insurance is just as the name implies: guaranteed. With guaranteed coverage, you won’t be turned down for life insurance. If you’re between the ages of 45 and 85 and can pay your monthly premiums, this final expense insurance offers coverage up to $25,000 and convenient peace of mind.Accelerated Underwriting
With accelerated underwriting, you can get traditional life insurance at the same cost on a fast track. The biggest impact you might see, however, is a lower coverage amount. Additionally, if the insurance carrier notices any red flags or irregularities, they might end up asking you to take a medical exam.Benefits of Life Insurance Without a Medical Exam
No medical exam life insurance is an attractive option for many, offering a convenient and streamlined process. But what else makes this type of policy a great choice? For healthy individuals seeking quick, affordable coverage, no medical exam life insurance provides a hassle-free way to protect loved ones without the need for a medical exam or lengthy paperwork.Key benefits of instant term no medical exam life insurance include:
- Fast, instant approval: Get coverage in less than an hour.
- Simple online application: There are no medical exams or paperwork required.
- Competitive rates: Find affordable coverage with up to $5 million in benefits.
- Fully underwritten options: Receive a policy at a competitive rate with no exam.
Is no exam life insurance right for you?
While no medical exam life insurance offers convenience and fast approval, there are some potential downsides to consider. First, these policies may be more expensive than traditional life insurance because insurers are taking on additional risk without assessing your health through a medical exam, especially for older applicants or those with existing health conditions. Additionally, certain types of no medical exam policies come with lower coverage limits and shorter terms compared to fully underwritten policies.For those who are in good health and can afford the time, a traditional term or permanent life insurance policy with a medical exam may provide better coverage at a more affordable rate. Alternatively, if you're looking for higher coverage or longer terms, exploring policies with simplified underwriting could be a good middle ground.What You Need to Qualify for No Medical Exam Life Insurance
Qualifying for instant life insurance is simpler than you might expect if you’re under the age of 60 and in generally good health. SelectQuote streamlines the process, and you can get approval in under an hour. Here’s an example of the type of information we’ll use to help determine your eligibility during the easy application process, including but not limited to:- Pharmacy report, which typically lists all of the medications you’ve been prescribed over a certain number of years
- Motor Vehicle Department report (also known as your driving record)
- Medical Insurance Bureau report (typically used if you’ve applied for or been denied life insurance before) Credit/financial history
Here are some frequently asked questions about no medical exam life insurance to help you decide if this type of coverage is right for you:
How much more expensive is no medical exam life insurance?
The lack of a medical exam means insurers may charge higher premiums to offset the uncertainty about your health. However, the price increase can vary depending on factors like your age, coverage amount, and the type of policy you choose.
Is there life insurance with no medical exam for seniors over 60?
Yes. There are life insurance options available for seniors over 60 that don’t require a medical exam. These policies, such as guaranteed issue or simplified issue life insurance, offer coverage with minimal health questions or no medical screening at all. These plans provide an accessible way to secure life insurance without the hassle of a physical exam.
How much life insurance coverage can you get with no medical exam?
With no medical exam life insurance, coverage amounts may range from $25,000 to $100,000, depending on the policy type and the insurer. For larger coverage amounts with instant term life insurance, such as up to $5 million, you may need to undergo a simplified underwriting process or opt for a more traditional policy with a brief health questionnaire. The exact amount of coverage available to you will depend on factors like your age, health, and the insurer’s guidelines.
Are there insurance riders to allow for more protection with no medical exam policies?
Many no medical exam life insurance policies offer optional riders that can enhance your coverage. These riders allow you to customize your policy with additional protections, such as accelerated death benefits, which provide funds in the event of a terminal illness, or a waiver of premium rider, which waives your premiums if you become disabled.
Protect Your Peace of Mind in Under an Hour With SelectQuote’s No Exam Term Life Coverage
In just a few minutes, SelectQuote can help you find the perfect life insurance policy tailored to your needs—whether you're looking for traditional coverage or a no medical exam option. Our no medical exam life insurance policies offer up to $5 million in coverage, all at affordable rates. With SelectQuote, securing life insurance is easy and stress-free. We take the hassle out of the process by eliminating the need for medical exams, lengthy questionnaires, or complex paperwork. Instead, you can enjoy instant coverage with a simple, straightforward application process. Let us do the hard work of finding the best plan for you, so you can have peace of mind knowing your loved ones are protected, without the delay or inconvenience of a medical exam.
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