5 Best No Medical Exam Life Insurance Policies for January 2023

Skip the medical exam and get coverage quickly with these top companies, which cater to younger and older applicants.
Georgia Rose
By Georgia Rose 
Edited by Erica Corbin

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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.

Why you can trust NerdWallet: Our writers and editors follow strict editorial guidelines to ensure the content on our site is accurate and fair so you can make financial decisions with confidence and choose the products that work best for you. Here is a list of our partners, and here’s how we make money.

Best no medical exam life insurance for January 2023

The following insurers earned a NerdWallet rating of at least 4.5 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.

5.0

NerdWallet rating 

No exam but you may have to answer medical questions.

5.0

NerdWallet rating 

No exam or medical questions.

4.5

NerdWallet rating 

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

4.5

NerdWallet rating 

No exam but you may have to answer medical questions.

4.5

NerdWallet rating 

No exam but you may have to answer medical questions.

NerdWallet rates insurers at the company level, not the policy level. This means our star rating reflects the company as a whole, and not its no-exam insurance life policy specifically.

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.

In our life insurance reviews, our editorial team considers the customer and the insurer. These are some of the factors we take into account:

Policies offered. There are many types of life insurance on the market, and they fall into three key categories:

  • Term life insurance offers temporary coverage and a guaranteed payout if the policyholder dies during the term.

  • Permanent life insurance typically lasts a lifetime and builds cash value that can be borrowed against in the future.

  • No-exam life insurance issues coverage without the need for a medical exam.

Financial strength. We use AM Best ratings to confirm an insurer’s long-term financial stability and ability to pay claims. For life insurance, NerdWallet typically recommends considering insurers with ratings of A- or higher. Here’s the breakdown:

  • Exceptional: A+, A++.

  • Strong: A-, A.

  • Moderate: B, B+.

Complaints. These ratings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. The best life insurance companies have fewer than the expected number of complaints.

Buy online. This indicates whether an insurer allows you to apply for and buy a policy completely online.

Best no medical exam life insurance policies in 2023

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

Jump to:


Best online experience
insurance-product-card-logo

Haven Life

5.0

NerdWallet rating 
Bottom line: The company’s website is informative and user-friendly, making it easy to buy coverage online.
GET A QUOTE

from Haven Life

Financial strength rating

Exceptional

Online purchase

Yes

NAIC complaints

Far fewer than expected

Policies offered

Term & no-exam
Best online experience
insurance-product-card-logo
GET A QUOTE

from Haven Life

Haven Life

5.0

NerdWallet rating 
Bottom line: The company’s website is informative and user-friendly, making it easy to buy coverage online.

Financial strength rating

Exceptional

Online purchase

Yes

NAIC complaints

Far fewer than expected

Policies offered

Term & no-exam

Policy type: Term.

Policy name: Haven Simple.

Issue age: 20 to 55.

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

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

» Read the full review: Haven Life insurance review


Best for temporary coverage
insurance-product-card-logo

USAA

5.0

NerdWallet rating 
Bottom line: If you need quick, temporary coverage, USAA’s Essential Term Life policy renews annually and offers $100,000 of coverage without an exam.
COMPARE QUOTES

on Policygenius

Financial strength rating

Exceptional

Online purchase

No

NAIC complaints

Fewer than expected

Policies offered

Term, permanent & no-exam
Best for temporary coverage
insurance-product-card-logo
COMPARE QUOTES

on Policygenius

USAA

5.0

NerdWallet rating 
Bottom line: If you need quick, temporary coverage, USAA’s Essential Term Life policy renews annually and offers $100,000 of coverage without an exam.

Financial strength rating

Exceptional

Online purchase

No

NAIC complaints

Fewer than expected

Policies offered

Term, permanent & no-exam

Policy type: Term.

Policy name: Essential Term Life Insurance (not available in New York).

Issue age: 21 to 35.

Coverage: $100,000 (renews each year to age 39).

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

» Read the full review: USAA life insurance review

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.

Best for senior members
insurance-product-card-logo

AARP

4.5

NerdWallet rating 
Bottom line: Great option for senior AARP members. Older applicants can get coverage without answering any medical questions or taking an exam.
COMPARE QUOTES

on Policygenius

Financial strength rating

Exceptional

Online purchase

No

NAIC complaints

Fewer than expected

Policies offered

Term, permanent & no-exam
Best for senior members
insurance-product-card-logo
COMPARE QUOTES

on Policygenius

AARP

4.5

NerdWallet rating 
Bottom line: Great option for senior AARP members. Older applicants can get coverage without answering any medical questions or taking an exam.

Financial strength rating

Exceptional

Online purchase

No

NAIC complaints

Fewer than expected

Policies offered

Term, permanent & no-exam

Policy type: Term.

Policy name: Level Benefit Term Life Insurance.

Issue age: 50 to 74 for AARP members (45 to 74 for partners and spouses).

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

Application: 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 for AARP members and 45 to 80 for partners and spouses (50 to 75 for members and spouses in New York).

Coverage: Up to $25,000.

Application: No health questions or exam.

» Read the full review: AARP life insurance review


Best for customization
insurance-product-card-logo

Country Financial

4.5

NerdWallet rating 
Bottom line: A range of life insurance riders can be added to both term and whole life policies so you can customize your coverage.
COMPARE QUOTES

on Policygenius

Financial strength rating

Exceptional

Online purchase

No

NAIC complaints

Fewer than expected

Policies offered

Term & permanent
Best for customization
insurance-product-card-logo
COMPARE QUOTES

on Policygenius

Country Financial

4.5

NerdWallet rating 
Bottom line: A range of life insurance riders can be added to both term and whole life policies so you can customize your coverage.

Financial strength rating

Exceptional

Online purchase

No

NAIC complaints

Fewer than expected

Policies offered

Term & permanent

Policy type: Simplified term or whole life insurance.

Issue age: 50 or younger.

Coverage: Up to $100,000.

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


Best for accessibility
insurance-product-card-logo

Nationwide

4.5

NerdWallet rating 
Bottom line: The issue age range for this policy is 80 and younger — a relatively broad age range for this type of coverage.
COMPARE QUOTES

on Policygenius

Financial strength rating

Exceptional

Online purchase

No

NAIC complaints

Fewer than expected

Policies offered

Term & permanent
Best for accessibility
insurance-product-card-logo
COMPARE QUOTES

on Policygenius

Nationwide

4.5

NerdWallet rating 
Bottom line: The issue age range for this policy is 80 and younger — a relatively broad age range for this type of coverage.

Financial strength rating

Exceptional

Online purchase

No

NAIC complaints

Fewer than expected

Policies offered

Term & permanent

Policy type: Whole.

Policy name: Nationwide Simplified Whole Life.

Issue age: 80 or younger (75 and younger in Minnesota, Mississippi, North Carolina, and Pennsylvania).

Coverage: $10,000 to $50,000 ($25,000 to $50,000 in Washington).

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

» Read the full review: Nationwide life insurance review


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, policies that don’t require an exam can be more pricey than ones that do. 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 2019-2021. 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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