No Exam Life Insurance
Life Insurance Without a Medical Exam
If you’re short on time, don’t love paperwork, or prefer to skip the doctor’s office altogether, no exam life insurance could be the right fit. This type of coverage offers a quick, simplified application process — with no blood work, labs, or physicals required.
At AmericaQuote®, we help you compare policies from trusted life insurance companies that offer no-exam options, so you can get the protection you need — fast.
Why Choose No-Exam Life Insurance?
No-exam policies are ideal for people who:
- Want instant or near-instant approval
- Prefer not to undergo a medical exam
- Have minor health conditions
- Need coverage quickly due to life changes (new home, new baby, marriage, etc.)
You’ll get the same core protection as traditional policies — just faster and with fewer hoops to jump through.
Same Protection, Less Hassle.
With no-exam life insurance, you can:
- Apply online in minutes
- Get approved in as little as 24–48 hours
- Avoid medical exams, lab work, or waiting periods
- Access term or permanent coverage options
- Secure up to $2,000,000 in coverage, depending on the plan
Many policies still require some basic health information or a short questionnaire, but they’re designed to get you covered quickly without delays.
FAQ
Is no-exam life insurance more expensive than traditional coverage?
It can be slightly higher because the insurer is taking on more risk without a medical exam. However, for many, the convenience and speed outweigh the price difference — and some no-exam options are highly competitive.
How fast can I get coverage?
Many applicants are approved within 1–2 business days — sometimes even instantly. Coverage starts as soon as your application is accepted and your first premium is paid.
Who is eligible for no-exam life insurance?
Healthy individuals up to age 65 typically qualify. Some carriers offer coverage up to age 75 depending on your health history and plan type.
What’s the coverage limit?
Coverage amounts usually range from $50,000 to $500,000 or more, depending on the provider. Some permanent no-exam policies offer lower amounts but guaranteed approval.
Let's Find the Right Life Insurance Plan for You
Whether you’re comparing plans or figuring out the process, we’re here to help. Start online or speak directly with one of our licensed agents.