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No Medical Exam Life Insurance

What is no medical exam life insurance?

With traditional life insurance policies, applicants typically have to fill out a questionnaire about their health and lifestyle and take a medical exam. It's similar to an annual physical. A medical professional measures your height, weight, blood pressure and cholesterol and usually takes a blood, urine and saliva sample.

No-medical exam policies remove the exam from the application process. Depending on the type of policy you apply for, you might still need to answer questions about your health and lifestyle — but some policies skip that part, too.

These policies tend to appeal to those with serious health conditions or healthy people who want to speed up the life insurance application process.

Check out these life insurance companies that offer no-exam policies:

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  • No medical exam required
  • Fully digital application
  • Term and whole life offered
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    on Ethos

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  • Medical exam rarely required
  • Quick online application
  • Coverage limits up to $8M
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    on Ladder

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  • Medical exam not always required
  • Simple digital application
  • Term and no-exam offered
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    on Fabric

    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.
    Get a quote in minutes from Ethos

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    on Ethos