Best No-Exam Life Insurance Companies in 2025

Pacific Life offers the best no-exam life insurance policies overall, offering a combination of high coverage limits and competitive rates without the hassle of a medical exam. You can get up to $3 million in coverage through their accelerated underwriting process if you're between 18 and 60, which is more than double what many competitors offer without an exam.

Pacific is the second lowest cost provider in our review. A 40-year-old woman will pay $39 per month for a 20-year term policy at $500,000 in coverage, while a 40-year-old man will pay $47. Pacific Life backs this up with financial stability, earning an A rating from A.M. Best, and they keep complaints low with a NAIC complaint index of just 0.08. Plus, they automatically include accelerated death benefits for terminal illness at no extra charge. You can also customize your plan with riders like child term coverage, disability waiver of premium, and guaranteed insurability options.

• A.M. Best rating: A
• NAIC complaint index: 0.08
• J.D. Power score: 657 (7th)
• Customer sentiment: 72% positive, 28% negative

• Max coverage: $3 million without medical exam
• Medical exam required: No
• Terms available: 10-30 years
• Ages supported: 18-75
• Riders and options: Accelerated death benefit, child term rider, waiver of premium, accidental death benefit, guaranteed insurability, conversion options

Lincoln Financial offers the cheapest life insurance without a medical exam. With this insurer, 40-year-old women pay just $31 per month for a 20-year term policy and men pay $38. 

A 25-year-old woman can get $500,000 in coverage for only $18 per month, and a 25-year-old man can get the same for $23.

They offer up to $1 million in coverage without a medical exam between ages 18 and 60, which is adequate for most applicants.

• A.M. Best rating: A
• NAIC complaint index: N/A
• J.D. Power score: 652 (10th)
• Customer sentiment: 50% positive, 50% negative

• Max coverage: $1 million without medical exam
• Medical exam required: No
• Terms available: 10-30 years
• Ages supported: 18-60 without medical exam
• Riders and options: Accelerated death benefit

Nationwide is MoneyGeek's top choice for customer experience among no-exam life insurance companies. It ranks fifth overall in J.D. Power's satisfaction survey with a score of 666 and holds A+ ratings from both the BBB and A.M. Best. 

No-exam coverage caps out at $1.5 million for people between 18 and 55 years old. A 40-year-old woman will pay around $45 per month for a 20-year term policy at $500,000 coverage, while a 40-year-old man will pay $56. 

It offers multi-product bundling, which lets you integrate life insurance with other Nationwide products for savings. It also offers riders like accelerated death benefits, child term coverage, disability waiver of premium and return of premium options on select policies.

• A.M. Best rating: A+
• NAIC complaint index: N/A
• J.D. Power score: 666 (5th)
• Customer sentiment: 77% positive, 23% negative

• Max coverage: $1.5 million without medical exam
• Medical exam required: No
• Terms available: 10-30 years
• Ages supported: 18-55
• Riders and options: Accelerated death benefit, child term rider, waiver of premium, accidental death benefit, return of premium, guaranteed insurability, multi-product bundling with other Nationwide products

Gerber Life offers both term and whole life insurance options without medical exams, which is ideal if you want to cover multiple family members with different needs. They offer term coverage for ages 18 to 70 and whole life coverage for ages 50 to 80, with specialized child coverage options built into their rider offerings as well.

A 40-year-old woman will pay about $46 per month for a 20-year term policy at $500,000, while a 40-year-old man pays $52. These rates are close to the average among providers we reviewed. Their no-exam term coverage caps out at $1 million while their whole life policies offer up to $25,000 in coverage. Beyond their policy options, they also boast an A+ rating from A.M. Best, indicating solid financial strength. Other perks include riders like accelerated death benefits for terminal illness, specialized child coverage, and guaranteed insurability options.

• A.M. Best rating: A+
• NAIC complaint index: N/A
• J.D. Power score: N/A
• Customer sentiment: 81% positive, 19% negative

• Max coverage: $1 million without medical exam (Term), $25,000 (Guaranteed Whole)
• Medical exam required: No
• Terms available: 10-30 years (Term)
• Ages supported: 18-70 (Term), 50-80 (Guaranteed Whole)
• Waiting Period (Guaranteed Whole): N/A
• Riders and options: Accelerated Death Benefit, Child Coverage, Guaranteed Issue Options

Assurity provides the best rider options in no-exam life insurance, offering a combination of valuable included benefits and comprehensive add-on options. They automatically include accelerated death benefits at no charge for terminal illness, offer renewable coverage all the way to age 99 (though an exam is required after age 65), and use accelerated underwriting as their standard approval process.

Their coverage limits depend on your age, with a maximum of $1 million for people between 18 and 50, or $500,000 for people between 51 and 65. Both of these limits are on the low end for coverage among providers we reviewed. Their rates, however, are on par with the average, with 40-year-old women paying $45 per month for a 20-year term policy at $500,000 in coverage and a 40-year-old man paying $55. They hold an A- rating from A.M. Best and an A+ from BBB, with a MoneyGeek customer experience score of 4.5 out of 5.

• A.M. Best rating: A-
• NAIC complaint index: 0.638
• J.D. Power score: N/A
• Customer sentiment: 85% positive, 15% negative

• Max coverage: $1 million without medical exam
• Medical exam required: No
• Terms available: 10-30 years
• Ages supported: 18-75
• Riders and options: Accelerated death benefits rider, return of premium rider, accident only disability income rider, critical illness rider, disability income rider, level term rider

Ethos ties with Pacific Life for the highest term coverage limit without an exam, up to $3 million. Ethos edges ahead with a broader age range that extends to 69 for term policies and 85 for whole life. They also scored a perfect 5 out of 5 for both customer experience and coverage, showing they deliver on both service and product quality.

A 40-year-old woman pays about $54 per month for a 20-year term policy at $500,000 in coverage, while a 40-year-old man pays $71. While these rates are higher than other options in our list, their financial strength and customer experience scores may make the extra cost worth it. Ethos also offers no-exam whole life insurance up to $20,000 for ages 55 to 85 for additional flexibility. Another unique perk is that all policyholders get free access to wills and estate planning tools, including resources to create a will, trust, power of attorney and more.

• A.M. Best rating: A+
• NAIC complaint index: N/A
• J.D. Power score: N/A
• Customer sentiment: 95% positive, 5% negative

• Max coverage: $3 million without medical exam (Term), $20,000 (Guaranteed Whole)
• Medical exam required: No
• Terms available: 10-40 years (Term)
• Ages supported: 18-69 (Term), 55-85 (Guaranteed Whole)
• Waiting Period (Guaranteed Whole): If death occurs from non-accidental causes within the first 2 years, beneficiaries receive 100% of premiums paid plus 30%.
• Riders and options: Accelerated death benefit, free will and estate planning tools