Best No-Exam Life Insurance Companies in 2025

Pacific Life is the top provider for life insurance without a medical exam. The best choice depends on your specific needs and priorities. Compare leading options to determine the right choice for your needs:

* Rates are based on 40-year-old non-smokers with $500,000 in coverage on a 20-year term. Rates are examples only and may not reflect your actual premium. Your rates will vary based on your health, lifestyle, coverage amount, term length, and state of residence. Request quotes from insurance providers to get your personalized estimate.

No-exam life insurance lets you get coverage without a medical exam. Instead of scheduling appointments with a nurse, you answer health questions online or over the phone. The insurer uses your answers plus data from prescription databases and driving records to assess risk and approve you in days instead of weeks. Term life insurance is the most common type of policy offered without an exam, but some companies also offer whole life insurance. Keep in mind that no-exam policies are often not the cheapest life insurance, because companies are taking on greater perceived risk.

Consider the benefits and drawbacks of no-exam plans before purchasing. This information helps you manage the downsides while maximizing the advantages of your policy:

There are three main underwriting methods for life insurance with no medical exam: instant, simplified issue, and guaranteed acceptance. These options allow more people to qualify for coverage even with pre-existing conditions. Knowing your options will help you choose the right coverage for your situation. Here's how each type works:

Choosing the best no-exam life insurance comes down to matching coverage to your specific needs and budget. While skipping the medical exam speeds up the process, you still want to compare insurers carefully to find the best combination of affordability, coverage limits, and customer service. Here are the key factors to consider:

• Coverage Limits: Look for insurers offering the highest no-exam coverage amounts in your age range. Some companies cap no-exam policies at $500,000, while others go up to $3 million without requiring a medical exam.
• Monthly Premiums: Compare quotes from multiple insurers, since rates can vary significantly for the same coverage level. A difference of just $10 to $20 per month adds up to thousands over a 20-year term.
• Age Eligibility: Check the age ranges each insurer covers for no-exam policies. Some companies only offer accelerated underwriting up to age 60, while others extend coverage to age 75 or beyond.
• Financial Strength Ratings: Review A.M. Best ratings to confirm the insurer can pay claims decades from now. Look for ratings of A- or higher, which indicate strong financial stability.
• Customer Service: Check J.D. Power scores, BBB ratings, and NAIC complaint indexes to gauge how well the company treats policyholders. Low complaint ratios mean fewer problems when you need to file a claim or make changes to your policy.
• Available Riders: Consider what add-on options matter most to you, such as accelerated death benefits for terminal illness, child term coverage, or disability waiver of premium. Some insurers include valuable riders at no extra charge.
• Term Length Options: Make sure the insurer offers the term length you need, whether that's 10, 20 or 30 years. Longer terms typically cost more but lock in your rate for extended periods.
• Conversion Options: Consider policies that let you convert to permanent coverage later without a medical exam. This flexibility helps if your needs change or you develop health conditions that would make qualifying for new coverage difficult.

If you're budgeting for no-exam life insurance, several factors will influence your cost, including your age, gender, and coverage amount. While these policies offer the convenience of skipping the medical exam, they often cost more than traditional policies that require medical screening, sometimes 10% to 30% higher, depending on the provider. Use the table below to assess typical costs for no-exam policies at different coverage levels:

* Rates are based on non-smokers with average health, height, and weight. Your actual rates may vary. Request quotes from multiple insurance providers to get personalized estimates.

Comparing life insurance quotes from multiple companies will help you find a plan that fits your needs and budget. Use our cost calculator below to get estimates with no personal information from different insurers. These instant quotes can give you a general idea of pricing, though final rates may vary based on your specific health profile and the insurer's underwriting guidelines.

Wondering if no-exam life insurance is right for your situation? These policies work particularly well for three main scenarios:

• Quick application process: These policies appeal to people who don't have the time or desire to sit through a lengthy medical exam. The application process is faster and more straightforward, and no medical exam is required.
• Health issues: No-exam life insurance policies help individuals with health issues that may make qualifying for traditional life insurance policies challenging. By eliminating the medical exam, those with pre-existing medical conditions or a history of health problems may be more likely to get approved for life insurance coverage, though they should expect higher premiums to offset the insurer's increased risk.
• Immediate coverage needs: These policies work well for consumers who need coverage quickly. They often offer immediate coverage, allowing beneficiaries to receive a death benefit soon after the policyholder passes away. If you need to secure life insurance to cover a specific financial obligation, such as a business loan or a mortgage, a no-exam policy may be your best option.

No-exam life insurance provides a convenient way to secure coverage without medical testing. After evaluating numerous life insurance companies and their no-exam policy options, MoneyGeek identified the top performers in this category. Pacific Life, Lincoln Financial, and Nationwide offer the best life insurance without a medical exam today.

Understanding the differences between traditional life insurance policies and those that don't require a medical exam is challenging. Get answers to some of the most frequently asked questions to help you determine if a life insurance policy with no medical exam is right for you:

Why Trust MoneyGeek? We analyzed customer satisfaction, financial stability reports, product offerings and more to determine the best no-medical-exam life insurance companies for a variety of needs.

Recency

Coverage costs and company information for life insurance providers were updated in 2025.

MoneyGeek’s Scoring System

In our scoring system, companies can earn up to five points in each category. We then use these category scores to calculate an overall MoneyGeek score out of five. We applied the following weightings to score insurers:

• Affordability (50%): How competitive and reasonable the provider's premium rates are compared to other insurers in the market.
• Customer Experience (30%): The quality of customer service, claims processing efficiency, and overall satisfaction based on customer feedback and industry ratings.
• Coverage Options (20%): The variety and flexibility of life insurance products offered, including different policy types, riders, and customization features available to meet diverse customer needs.

Each company’s score incorporates:

• Affordability based on actual quotes and comparisons to other insurance companies for similar products
• Financial strength ratings from AM Best and the number of years in business
• Customer satisfaction data from the National Association of Insurance Commissioners (NAIC) customer complaint index
• Availability of tools to aid in the buying process, such as online product materials and multiple payment options
• Diversity of life insurance products offered