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Life Insurance No Medical Exam

by Jeff Rose

life insurance no medical examGoing to the doctor’s office for a physical exam is a typical procedure to undergo before receiving most insurance policies.

Visits to the doctor’s office are usually slow and painful processes.

Not to mention that the processing times of many labs that are used by doctor’s is at least a few days.

It is for these reasons that is goes without saying that a medical exam can be extremely time consuming and costly.

Fortunately there is a life insurance policy that does not require a medical exam.

A no medical exam policy is far less time consuming and is a great option for those who are in need of a quick policy. It is especially appealing to someone who may fear that may have a new illness that will be uncovered in a medical exam.

These types of insurance are very unique and are therefore not best suited for everyone. It is for this reason that someone considering this type of insurance knows all of the pros and cons associated with it.

Difference Between Traditional Term and No Exam Life Insurance

There really is not a whole lot of difference between a regular term life policy and a no medical exam policy. Both policies are similar in structure in that there is a beneficiary that receives the money after a claim if the policy specifications are met. One guideline that stretches across almost every type of policy is that the policy holder’s death must be within the time period of the policy.

When it comes to life insurance, every individual is different, and what may be best for one person may not necessarily be best for another. Something that should be considered with a no medical exam is the additional cost associated with the premium. Life insurance companies charge more for the premium when they take on additional risk.

Usually a medical exam is a way of mitigating a lot of the risk but since there is no medical exam they have to find ways to compensate. Additionally, they consider other factors that may not be otherwise considered with a standard life insurance policy such as lifestyle and age. The benefit that comes with the additional cost though is guaranteed coverage as well as the convenience of immediate coverage.

(To compare quotes for life insurance without a medical exam, complete our contact form or call us at (888) 836-7071)

Top No Exam Life Insurance Companies

The no exam life insurance market place has really taken off over the last few years and I don’t expect it to slow down at all.  While there are definitely some carriers to avoid (they won’t be listed here) some of the top companies all offer stellar products.  I thought the best way to break it down is to list then in order of speed and price.

Most people that want to avoid the life insurance physical do so because they need it quick. Just because it’s fast, does not mean you shouldn’t overpay for it.   Below you’ll see a quick review of some of the top insurance companies that do not require an exam and a sample table in how much they compare in cost.

1-Click Coverage (offered by National Life Group)

1 Click Life Insurance1-Click is far the fastest and most convenient no exam policy you can get.

You can complete the application all online and find out if your approved in a matter of minutes. Yes, no exaggeration.  You must be relatively healthy to apply.   Here’s some brief info about them:

  • Offer between $25,000-$350,000 of life insurance coverage
  • Instant decision in a matter of minutes
  • Entire application completed online

Interested in applying for 1-Click Coverage?   Just click the following link:  Apply For Instant Life Insurance Coverage.

1click Coverage Sample Term Quotes

AGE10 Year Policy20 Year Policy30 Year Policy
Male30Preferred: $18.84
Select: $26.03
Preferred: $22.85
Select: $32.49
Preferred: $27.49
Select: $39.86
Male40Preferred: $21.12
Select: $29.67
Preferred: $26.67
Select: $38.59
Preferred: $36.50
Select: $54.33
Male50Preferred: $32.04
Select: $47.78
Preferred: $48.33
Select: $73.26
Preferred: $66.80
Select: $102.74
Female30Preferred: $16.93
Select: $23.03
Preferred: $19.93
Select: $27.76
Preferred: $23.48
Select: $33.49
Female40Preferred: $18.66
Select: $25.76
Preferred: $23.21
Select: $33.04
Preferred: $30.67
Select: $44.96
Female50Preferred: $26.94
Select: $39.04
Preferred: $38.41
Select: $57.34
Preferred: $48.33
Select: $73.26

Assurity Life Insurance Company

Assurity-life-insurance company reviewOur second favorite no exam policy is Assurity.  You can read our full Assurity review post for more information on the company.

Assurity has become one of our “go to” carriers for many reasons.  They currently offer between $50,000-$350,000 of life insurance coverage for folks between the ages of 18-65.   Here’s a few of our favorites reasons why we like them:

  • You can get insurance coverage up to $350,000 (before 1-Click no one else offered this)
  • Most policies will be issued in 10 business days (but we’ve had much faster)
  • Prices are very competitive (even to fully underwritten policies)
  • After phone interview, rest of process is done entirely online.

Assurity No Exam Term Quotes

AGE10 Year Policy20 Year Policy30 Year Policy
Male30Select Plus: $11.44
Select: $13.29
Select Plus: $13.20
Select: $14.87
Select Plus: $17.60
Select: $19.62
Male40Select Plus: $16.10
Select: $18.83
Select Plus: $22.26
Select: $26.22
Select Plus: $32.03
Select: $37.22
Male50Select Plus: $29.30
Select: $35.38
Select Plus: $47.87
Select: $51.54
Select Plus: $71.72
Select: $82.81
Female30Select Plus: $9.33
Select: $10.21
Select Plus: $11.44
Select: $12.67
Select Plus: $15.05
Select: $16.46
Female40Select Plus: $13.64
Select: $15.75
Select Plus: $17.95
Select: $20.86
Select Plus: $24.11
Select: $27.63
Female50Select Plus: $21.72
Select: $25.08
Select Plus: $33.09
Select: $38.46
Select Plus: $47.87
Select: $54.82

 Fidelity Life

fidelity life insurance company reviewWhen it comes to the most options of life insurance without a medical exam, no one comes close to Fidelity Life.

You can read our comprehensive review of Fidelity Life for more specifics on their full range of offerings.

One huge bonus to Fidelity Life is there Rapid Decision Express product.  If you are in good health and between the ages of 18-65, you can potentially qualify between $25,000-$250,000 of coverage.

If you need even more coverage than that, Fidelity Life also offers their “hybrid product”.  Hybrid means that you’ll have a combination of regular insurance and just accidental insurance if you decide to not take the exam.  If you take the exam, then the whole policy would cover you for anything.  They hybrid policy is also attractive as they will offer up to $1,000,000 of insurance.   Here are some highlights on Fidelity Life:

  • Rapid Decision product offers up to $250,000 of coverage.
  • Hybrid product can get individual up to $1 million of coverage
  • Also offer competitive product for seniors (50-70) up to $150,000 of coverage

Fidelity Life No Exam Quotes

AGE10 Year Policy20 Year Policy30 Year Policy
Male30Preferred: $18.84
Select: $26.03
Preferred: $22.85
Select: $32.49
Preferred: $27.49
Select: $39.86
Male40Preferred: $21.12
Select: $29.67
Preferred: $26.67
Select: $38.59
Preferred: $36.50
Select: $54.33
Male50Preferred: $32.04
Select: $47.78
Preferred: $48.33
Select: $73.26
Preferred: $66.80
Select: $102.74
Female30Preferred: $16.93
Select: $23.03
Preferred: $19.93
Select: $27.76
Preferred: $23.48
Select: $33.49
Female40Preferred: $18.66
Select: $25.76
Preferred: $23.21
Select: $33.04
Preferred: $30.67
Select: $44.96
Female50Preferred: $26.94
Select: $39.04
Preferred: $38.41
Select: $57.34
Preferred: $48.33
Select: $73.26

(To compare quotes for life insurance without a medical exam, complete our contact form or call us at (888) 836-7071)

transamerica-life-insurance-logo

Transamerica

Transamerica can offer a non-med policy between $25,000-$99,000. This policy is good for people between the ages of 18-80.

With this non-med product the best health class available is Standard.

This means that if you are in really good health you will end up paying more to have a policy without a medical exam.

The age limit for this product does vary based on length of the policy and whether you are a smoker or non-smoker.

Term LengthNon-SmokerSmoker
10-YearMax Age 80Max Age 80
15-YearMax Age 75Max Age 73
20-YearMax Age 70Max Age 65
25-YearMax Age 63Max Age 57
30-YearMax Age 57Max Age 46

Other No Exam Life Insurance Companies

Are these the only carries that offer life insurance without exam?  Absolutely not.

Other carriers include Americo,  United Home Life and a few others.

Each has their own benefit depending on your health condition, how much life insurance you need and the state you reside.

How Do You Know Your Getting The Best Company?

That’s the tricky part, but don’t worry were to help.  :)  We currently work with over dozen of carriers that offer life insurance without a medical exam.  If you’re looking for a free quote, you can complete our contact form or call our office direct at (888) 836-7071One of our trained life insurance specialists will be able to pair you with the most affordable life insurance policy for your needs.

Searching for New Life Insurance Can be a Daunting Task

Not only is it a market that you probably don’t have much knowledge in but you are also shopping for a unique type of insurance. There is doubt that finding a professional that can steer you in the right direction based on your individual needs is a great idea. Not only will a professional hopefully be able to help you find a great insurance, but they also may end up saving you money in the long run and time in the short run.

(To compare quotes for life insurance without a medical exam, complete our contact form or call us at (888) 836-7071)

Many people never consider life insurance when it comes to protecting themselves and their families. However, it may be one of the single most important tools to use in planning for the future and the well being of your loved ones. This is why it is extremely important to know all of your options and know when it is time to call in a professional if one is needed. The value derived from a life insurance policy is well worth the cost and the peace of mind associated with it regardless of what type of policy you end up getting.

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