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
| Company | Policy options | |
|---|---|---|
| Haven Life | 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. |
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| AARP | 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 | 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. |
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| USAA | Policy: Guaranteed Whole Life Insurance Issue age: 45 to 85. Coverage: $2,000 to $25,000. Medical: No health questions or exam. |
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| Erie Insurance | 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. |
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| Country Financial | 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 | 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. |
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| Nationwide | 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. |
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| Securian Financial | 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. |
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» 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.
