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See Life Insurance Options That Don't Require an Exam

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:

CompanyNerdWallet RatingPolicies offeredOnline purchaseWhat We LikeLearn More
Ladder Life Insurance

Ladder

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

Ethos

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

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