9 Best No Medical Exam Life Insurance Policies of 2022

Skip the medical exam and get coverage quickly with these top companies, which cater to younger and older applicants.

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In the market for life insurance, but want to skip the medical exam for one reason or another? Here are the best no medical exam policies from highly rated U.S. insurers. Some of these policies guarantee acceptance regardless of your health, while others require you to answer a few health questions to qualify for coverage. But no matter the situation, they never require a medical exam.

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Best no medical exam life insurance of November 2022

The following insurers earned a NerdWallet rating of at least 4 out of 5 stars. NerdWallet scores companies on consumer experience, financial strength and complaint data. Financial strength can indicate an insurer’s ability to pay claims in the future, and a low number of consumer complaints means you and your life insurance beneficiaries are likely in good hands.

Insurance company

NerdWallet rating

Required medical information

Learn more

Haven Life

No exam but you may have to answer medical questions.

AARP

No exam or medical questions (whole life). No exam but you may have to answer medical questions. (term life).

USAA

No exam or medical questions.

Country Financial

No exam but you may have to answer medical questions.

Nationwide

No exam but you may have to answer medical questions.

Erie Insurance

No exam but you may have to answer medical questions.

American Family

No exam but you may have to answer medical questions.

Bestow

No exam but you may have to answer medical questions.

John Hancock

No exam but you may have to answer medical questions.

How we ranked the top life insurers

NerdWallet’s life insurance ratings are based on consumer experience, complaint index scores from the National Association of Insurance Commissioners for individual life insurance, and weighted averages of financial strength ratings, which indicate a company’s ability to pay future claims. Within the consumer experience category, we consider ease of communication and website transparency, which looks at the depth of policy details available online. To calculate each insurer’s rating, we adjusted the scores to a curved 5-point scale.

These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines.

Best no medical exam life insurance policies

Learn more about each company in our top list by reading the brief summaries below and checking out the NerdWallet review links.

Jump to:


Haven Life: Best online experience

5.0

NerdWallet rating 

Our take: Great for online experience. The company’s website is informative and user-friendly, making it easy to buy coverage online.

Policy type: Term.

Policy name: Haven Simple.

Issue age: 20 to 55.

Coverage: $25,000 to $500,000.

Medical: No exam, but you may have to answer questions about your health.

» Read the full review: Haven Life insurance


AARP: Best for senior members

5.0

NerdWallet rating 

Our take: Great option for senior AARP members. Older applicants can get coverage without answering any medical questions or taking an exam.

Policy type: Term.

Policy name: Level Benefit Term Life Insurance.

Issue age: 50 to 74 (AARP members).

Coverage: $10,000 to $150,000 (up to $100,000 for Montana and New York residents).

Medical: No exam, but you may have to answer questions about your health.

Policy type: Whole.

Policy name: Guaranteed Acceptance Life Insurance.

Issue age: 50 to 80 (AARP members).

Coverage: Up to $25,000.

Medical: No health questions or exam.

» Read the full review: AARP life insurance


USAA: Best for military personnel

4.5

NerdWallet rating 

Our take: Great for military personnel. Policies at USAA are often designed for members of the armed forces.

Policy type: Whole.

Policy name: Guaranteed Whole Life Insurance (not available in Montana).

Issue age: 45 to 85 (50 to 75 in New York).

Coverage: $2,000 to $25,000.

Medical: No health questions or exam.

» Read the full review: USAA life insurance


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Country Financial: Best for customization

4.5

NerdWallet rating 

Our take: Great for customization. A range of life insurance riders can be added to both term and whole life policies so you can customize your coverage.

Policy type: Term or whole.

Policy name: Simplified life insurance.

Issue age: 50 or younger.

Coverage: Up to $100,000.

Medical: No exam, but you may have to answer questions about your health.


Nationwide: Best for accessibility

4.5

NerdWallet rating 

Our take: Great for accessibility. All applicants ages 80 or younger can apply for this policy.

Policy type: Whole.

Policy name: Nationwide YourLife Simplified.

Issue age: 80 or younger.

Coverage: $10,000 to $50,000.

Medical: No exam, but you may have to answer questions about your health.

» Read the full review: Nationwide life insurance


Erie Insurance: Best for built-in benefits

4.0

NerdWallet rating 

Our take: Great for included benefits. Both term and whole life policies include an accelerated death benefit rider at no extra cost.

Policy type: Term or whole.

Policy name: ERIExpress Life.

Issue age: 18 to 55.

Coverage: $10,000 to $500,000.

Medical: No exam, but you may have to answer questions about your health.


American Family: Best for smaller coverage amounts

4.0

NerdWallet rating 

Our take: Great option for smaller coverage amounts. Whole life policies are capped at $15,000, which can help cover final expenses like funeral costs.

Policy type: Term.

Policy name: DreamSecure Simplified Term Life.

Issue age: 18 to 60.

Coverage: $50,000 to $150,000.

Medical: No exam, but you may have to answer questions about your health.

Policy type: Whole.

Policy name: DreamSecure Senior Whole Life.

Issue age: 50 to 80.

Coverage: $10,000 or $15,000.

Medical: No exam, but you may have to answer questions about your health.


Bestow: Best for higher coverage amounts

4.0

NerdWallet rating 

Our take: Great for high coverage amounts. Death benefits can reach $1.5 million.

Policy type: Term.

Policy name: Bestow Term.

Issue age: 18 to 60.

Coverage: $50,000 to $1.5 million.

Medical: No exam, but you may have to answer questions about your health.

» Read the full review: Bestow life insurance


John Hancock: Best for speedy applications

4.0

NerdWallet rating 

Our take: Great pick if you want a quick decision. Applications can be processed in five to 10 minutes.

Policy type: Term.

Policy name: Simple Term.

Issue age: 20 to 60 (10- and 15-year terms), 20 to 55 (20-year term), 20 to 50 (25-year term), 20 to 45 (30-year term).

Coverage: $25,000 to $500,000.

Medical: No exam, but you may have to answer questions about your health.

» Read the full review: John Hancock life insurance


Find the right life insurance plan for you
Make sure you and your loved ones are covered - compare customized life insurance quotes from our partners.

Alternatives to no medical exam life insurance

In general, coverage that skips the exam can be pricey. So if you’re young and healthy, you may want to consider a policy with full medical underwriting. If you’re looking for a quick application process, you may want to consider instant life insurance, which uses big data and complex algorithms to calculate risk and reserves the right to ask for an exam.

Insurer complaints methodology

NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2018-2020. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.

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