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Life insurance should be a part of everyone’s plan. If you’ve been avoiding buying a life insurance policy because you don’t want to go through tedious, sometimes difficult exams, I have good news for you: Most insurance providers don’t offer exam policies!
Life Insurance Companies Without Medical Exam
No Medical Exam Life Insurance is exactly what it sounds like: No Exam Life Insurance. That means no needles, no tests, and no pressure.
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This article will tell you everything you need to know about no medical exam insurance, including the 15 best no medical exam insurance companies you can buy right now.
Now that you have a better idea of what no-exam insurance is and how it works, let’s get into the details.
Topping the list is Heaven Life, which scores an A++ rating with AM Best (which is their highest rating possible).
People love Heaven Life for their affordable insurance policies, and it’s easy to see why: You can get up to $1,000,000 in coverage without any medical exams. To access these higher coverage policies, you need to go through an application process so that they can determine your risk based on your age, lifestyle, background, etc.
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Standard minimum coverage for a non-exam applicant is approximately $100,000. You can buy policies for terms of 10, 15 or 20 years. If you are under 50, you have a 30-year option.
Principal Financial Group is another top insurance company that does not offer medical exam policies. They have an A+ rating with AM Best and can provide coverage between $50,000 and $1,000,000.
The only catch to the principal’s no-exam policy is that you must have passed certain requirements. If you can answer no to a series of health-related questions during the application process, you’re good to go. Otherwise, you need medical tests.
You can get coverage up to $1,000,000 through their policies over 10 or 20 year terms and premiums as low as $8 per month.
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The only reason you may not have heard of Besto before is that they are relatively new – founded in 2017. Although they’re new to the insurance game, Bestow gets great reviews and could be a great option if you’re looking for life. Insurance without an exam.
You may have heard of Mutual of Omaha before. They are one of the top-rated companies for traditional insurance plans, but they also offer affordable no-exam policies.
With Mutual of Omaha, you can choose a term of 15, 20 or 30 years for your policy. Without tests, they offer coverage between $25,000 and $300,000.
Another established insurance company, Lincoln Financial, has an A+ rating with AM Best. They offer coverage between $100,000 and $1,000,000 for their no-exam policies.
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The best thing about buying insurance with Lincoln Financial is that the entire application process can be done online. In most cases, you will be accepted for coverage within 48 hours. Applicants between 18 and 60 years of age can be insured without medical examination.
Transamerica’s no-exam life insurance policies are very affordable for all ages. They have an A rating with AM Best and are well reviewed by many other companies.
Through Transamerica, you can get between $25,000 and $249,000 in coverage without taking any exams. The downside is that the application process can take a while compared to other companies – sometimes up to several weeks.
If you are aged between 20 and 50, you can apply for no-test life insurance with Banner Life. Coverage ranges from $100,000 to $500,000 – if you’re looking for higher coverage amounts with this company, you’ll need to pass tests.
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Believe it or not, Gerber is more than just a baby food brand. They also offer no-exam insurance policies for children and adults. Rated A by AM Best, they are trusted by families across the country.
Affordable no-exam coverage starts at $25,000 and goes up to $150,000. With low monthly premiums, this is a great insurance company for all age groups.
Assurity is a new insurance company formed in 2007 through the merger of several other groups. They do not offer any medical examination life insurance policies to people below 55 years of age.
SBLI is another A-rated company that offers full coverage without exams. You can apply between 18 and 60 years of age. The process usually takes a few days, but no tests or needles are required.
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SBLI coverage ranges from $100,000 to $500,000. You can choose your term length between 10 and 30 years.
Protective Life is another top company for no-exam insurance policies. They have an A+ rating and offer a range of affordable policies at a low price.
If you are between the ages of 18 and 45, you may qualify for coverage up to $1,000,000. Between 46 and 60, coverage is $500,000. The application process is quick and applicants in excellent health can skip the phone interview for faster approval.
With this company, you can get between $50,000 and $250,000 in coverage without medical exams. However, it is important to note that there is no guarantee that you will not need tests until you apply.
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When you submit your online application, you will receive more information – some people will be approved immediately, while others will need to provide medical documents.
Penn Mutual offers the most no-exam life insurance coverage of any company on this list: up to $2,500,000. They have an A+ rating with AM Best and their premium costs are very low considering how high the coverage is.
Not everyone qualifies for the highest coverage amounts with Penn Mutual, especially if you have a pre-existing medical condition. If you are between 20 and 65 years old, you can apply by completing a telephone interview.
If you want an easy application process for your life insurance, Sagicor is a great company. Their application is completely online and no medical tests are required. Coverage ranges between $50,000 and $1,000,000.
The Best No Medical Exam Life Insurance Companies For 2020
The only downside to Sagicor is that the longest term they offer is 20 years – you won’t get a 30 year policy with this company.
Foresters does not offer test coverage up to $400,000. To apply, you may be required to submit information such as your DMV history and prescription records, but no medical exams.
This company has been around since 1874 and has an A rating from AM Best, so you can trust them to provide fair and affordable life insurance policies.
Do you like the idea of life insurance without medical tests? You have many options – all you have to do is choose the company and policy that best suits you.
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Before applying, be sure to read some company ratings and reviews so you know what to expect. Then think about your priorities. Whether you’re looking for an easy application process, a low monthly premium or the best possible coverage, there’s a plan that’s right for you.
There are many benefits of buying a life insurance policy that does not require medical examinations. It’s easier, less stressful and more affordable for those with a pre-existing medical condition. And you can still get great coverage!
Remember that life insurance should be part of everyone’s plan. With no tests, you can easily buy your policy and get years of peace of mind.
No medical examination insurance does not allow you to buy an insurance plan without undergoing any medical examination. The concept is great – but before you get too excited, think about what it means.
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For most life insurance policies, the purpose of the medical exam is to determine what kind of risk you pose to the insurance company. So low risk (those in excellent health) can usually get lower monthly premiums by passing the tests.
However, there are many advantages to skipping medical tests. On the one hand, they can be emotionally and physically stressful—not to mention time-consuming.
On the other hand, people with pre-existing health conditions need not worry about being denied life insurance based on their medical tests.
So, sticking to a no-exam policy has both advantages and disadvantages. If you think this is the right choice for you, your next step is to find the best plan for your situation.
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No-test life insurance is not just one type of policy. There are actually 6 types of life insurance policies you can buy that allow you to skip exams. Some are a little easier to get than others and some offer higher coverage for more steps.
I should also note – these types of policies may go by different names and have slightly different features with each insurance provider.
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