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No Medical Exam Life Insurance

In the market for life insurance but want to skip the medical exam for one reason or another?

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:

CompanyPolicies offeredOnline purchaseWhat We LikeLearn More
Ethos Life Insurance - Roundup

Ethos

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on Ethos
Term, permanent & no-exam
Yes
  • No medical exam required.
  • Fully digital application.
  • Offers both term and whole life insurance online.
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on Ethos
Ladder Life Insurance

Ladder

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on Ladder
Term & no-exam
Yes
  • Quick online application.
  • Most applicants won't need a medical exam.
  • Coverage limits up to $8 million.
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on Ladder
Fabric Life Insurance - SEM

Fabric

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on Fabric
Term & no-exam
Yes
  • Simple online and mobile application process.
  • Platform offers financial planning tools for parents.
  • Most applicants won’t need a medical exam for term life insurance.
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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.
  • Debt and final expenses: Add up your debts, other than your mortgage, plus an estimate of your funeral expenses.
  • Income: Decide for how many years your family would need support, and multiply your annual income by that number.
  • Mortgage: Calculate the amount you need to pay off your mortgage.
  • Education: Estimate the cost of sending your kids to school and college.
By adding all of these obligations together, you get a much more well-rounded view of your needs. However, while this formula is more comprehensive, it doesn’t account for the life insurance coverage and savings you already have. It also doesn’t consider the unpaid contributions a stay-at-home parent makes.

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