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11 Best No Medical Exam Life Insurance Policies in 2021

Our top picks for no medical exam life insurance offer a range of coverage amounts, available to both younger and older applicants.
Aug. 6, 2021
Insurance, Life Insurance
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Looking for the best no medical exam life insurance? Here are our top 11 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.

Best no medical exam life insurance policies

The following insurers earned a NerdWallet rating of at least four out of five stars. NerdWallet scores companies on financial strength and consumer 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.

» MORE: No medical exam life insurance explained

CompanyPolicy options
Haven Life

5.0 NerdWallet rating
Policy: 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.
AARP

4.5 NerdWallet rating
Policy: Guaranteed Acceptance Life Insurance

Issue age: 50 to 80 (AARP members).

Coverage: Up to $25,000.

Medical: No health questions or exam.
Policy: Level Benefit Term Life Insurance

Issue age: 50 to 74 (AARP members).

Coverage: $10,000 to $100,000.

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

4.5 NerdWallet rating
Policy: Simplified Issue Term Life

Issue age: 20 to 70.

Coverage: Up to $500,000.

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

4.5 NerdWallet rating
Policy: Guaranteed Whole Life Insurance

Issue age: 45 to 85.

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

Medical: No health questions or exam.
Erie Insurance

4.0 NerdWallet rating
Policy: ERIExpress Life (term or whole 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.
Country Financial

4.0 NerdWallet rating
Policy: Accelerated policy (term, whole and universal life)

Issue ages: 18 to 50.

Coverage: $100,001 to $500,000.

Medical: No exam, but you may have to answer questions about your health.
Policy: Simplified policy (term and whole life)

Issue ages: 50 or younger.

Coverage: Up to $100,000.

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

4.0 NerdWallet rating
Policy: Simple Term

Issue age: 20 to 60.

Coverage: Up to $500,000.

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

4.0 NerdWallet rating
Policy: Nationwide YourLife Simplified

Issue age: 0 to 80.

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

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

4.0 NerdWallet rating
Policy: Simplified-issue term life insurance

Issue ages: 18 to 60.

Coverage: Up to $250,000.

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

» MORE: How to get life insurance if you have a medical condition

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-answer life insurance, which uses big data and complex algorithms to calculate risk, and reserves the right to ask for an exam.

» MORE: Best life insurance companies

Methodology: Life insurance ratings

NerdWallet’s life insurance ratings are based on weighted averages of financial strength ratings, which indicate a company’s ability to pay future claims, and complaint index scores from the National Association of Insurance Commissioners for individual life insurance. 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.

Methodology: Insurer complaints

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. Ratios are determined separately for auto, home (including renters and condo) and life insurance.

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