Best No Medical Exam Term Life Insurance Companies
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Leslie Kasperowicz
Farmers CSR for 4 Years
Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insur...
Farmers CSR for 4 Years
UPDATED: Nov 4, 2020
It’s all about you. We want to help you make the right life insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different life insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.
UPDATED: Nov 4, 2020
It’s all about you. We want to help you make the right life insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different life insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
With the growing popularity of no medical exam term life insurance coverage, we at Top Quote Life Insurance think it’s important for you to know best life insurance companies offering no medical exam term life insurance, along with the benefits they include.
No medical exam term life insurance coverage is a convenient way to obtain life insurance without having to meet with an examiner for blood or urine samples. No medical exam term life insurance coverage is also generally a faster way to obtain coverage than the traditional medical exam option.
Since there are still only a limited amount of companies that offer no exam term life insurance coverage, we have put together a list of the top life insurance no exam companies to choose from.
Top Quote Life Insurance offers the top no medical exam term life insurance companies available.
Looking to compare life insurance policies? We can help. Enter your ZIP code to get free quotes from multiple insurers.
Top Ranking Best No Medical Exam Term Life Insurance Companies of 2020
- ANICO
- Assurity
- Cincinnati Life
- Fidelity Life
- Minnesota Life
- Sagicor
- Transamerica
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American National Insurance Company (ANICO)
A.M. BEST’S RATING: A-
POLICY NAME: ANICO Signature Term Express
TYPE OF POLICY: No medical exam term life insurance
AVAILABLE TERM LENGTHS: 10, 15, 20, & 30 years (Depending on current age)
NON MEDICAL HEALTH CLASSES: Standard Non-Smoker & Standard Smoker
MINIMUM COVERAGE AMOUNT WITHOUT EXAM: $50,000
MAXIMUM COVERAGE AMOUNT WITHOUT EXAM: $250,000
ISSUE AGES: (Ages 17-65) $25,000 – $250,000
APPLICATION TYPE: Paper or electronic
TELEPHONE INTERVIEW: Only if you have health issues that require additional details
DESCRIPTION OF COVERAGE: ANICO Signature Term Express is a term life insurance no medical exam policy, with the possibility of very quick approval. For those that are in excellent health but do not wish to take an exam, you may qualify for coverage within 72 hours. Underwriting will consist of an application, medical history questionnaire, review of your MIB, MVR and prescription check. If you have any health issues you may be required to do a 5-10 minute telephone interview for additional information.
PROS: If you’re in great health you can get approval in as little as 72 hours. If you’re not in the greatest health, you still have a good chance of qualifying for coverage.
CONS: If you have health issues, minor or major, expect longer underwriting times.
Assurity Life Insurance Company
A.M. BEST’S RATING: A-
POLICY NAME: Term Life Insurance with Accelerated Underwriting
TYPE OF POLICY: No medical exam term life insurance
AVAILABLE TERM LENGTHS: 10, 15, 20, & 30 years (Depending on current age)
NON MEDICAL HEALTH CLASSES: Standard Non-Smoker & Standard Smoker
MINIMUM COVERAGE AMOUNT WITHOUT EXAM: $25,000
MAXIMUM COVERAGE AMOUNT WITHOUT EXAM: $500,000
ISSUE AGES:
- (Ages 18-50) $25,000 – $500,000
- (Ages 51-65) $25,000 – $350,000
APPLICATION TYPE: Paper or electronic
TELEPHONE INTERVIEW: Only if you have health issues that require additional details
DESCRIPTION OF COVERAGE: Assurity LifeScape NonMed Term 350 life insurance offers no medical exam underwriting with death benefits as high as $350,000. Underwriting will consist of an application, medical history questionnaire, review of your MIB, MVR and prescription check. Approval timeframes will depend on individual health history. If a copy of your medical records is not needed, you can generally expect a turnaround time of 10-14 business days.
PROS: Can get up to $500,000 in death benefit coverage without a medical exam.
CONS: Premiums tend to be on the higher end when compared to other no medical exam companies.
Cincinnati Life Insurance
A.M. BEST’S RATING: A
POLICY NAME: LifeHorizons TermSetter
TYPE OF POLICY: No medical exam term life insurance
AVAILABLE TERM LENGTHS: 10, 15, 20, & 30 years (Depending on current age)
NON MEDICAL HEALTH CLASSES: Standard Non-Smoker & Standard Smoker
MINIMUM COVERAGE AMOUNT WITHOUT EXAM: $25,000
MAXIMUM COVERAGE AMOUNT WITHOUT EXAM: $99,999
ISSUE AGES:
- (Ages 0-60) $25,000 – $99,999
- (Ages 61-75) Urinalyses only
APPLICATION TYPE: Paper or electronic
TELEPHONE INTERVIEW: Only if you have health issues that require additional details
DESCRIPTION OF COVERAGE: Cincinnati Life Insurance TermSetter life insurance coverage gives allows for no medical underwriting for death benefit amount below $99,999. Underwriting will consist of an application, medical history questionnaire, review of your MIB, MVR and prescription check. Approval time is a little longer than most no medical exam life insurance companies, but the low rates make up for it.
PROS: Often has the best price for death benefit amounts below $99,999 and tobacco chewers are considered non-smoker rates.
CONS: Longer underwriting times than most no medical companies.
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Fidelity Life Insurance
A.M. BEST’S RATING: A-
POLICY NAME: Rapid Decision Express
TYPE OF POLICY: No medical exam term life insurance
AVAILABLE TERM LENGTHS: 10, 15, 20 & 30 years (Depending on current age)
NON MEDICAL HEALTH CLASSES: Standard Non-Smoker & Standard Smoker
MINIMUM COVERAGE AMOUNT WITHOUT EXAM: $25,000
MAXIMUM COVERAGE AMOUNT WITHOUT EXAM: $250,000
ISSUE AGES: (Ages 18-65) $25,000 – $250,000
APPLICATION TYPE: Electronic only
TELEPHONE INTERVIEW: Only if you have health issues that require additional details
DESCRIPTION OF COVERAGE: Fidelity Life Rapid Decision Express term life insurance coverage offers up to $250,000 in death benefit coverage with very fast approval times. Underwriting will consist of an electronic application, medical history questionnaire, review of your MIB, MVR and prescription check. Fidelity offers term life insurance no exam underwriting up to age 65 making it a top choice for senior life insurance coverage.
PROS: Very quick underwriting with approval times within 24-48 hours.
CONS: Payment information is required such as credit card or auto draft is required at the time of the application.
Minnesota Life Insurance
A.M. BEST’S RATING: A+
POLICY NAME: Advantage Elite Select Life
TYPE OF POLICY: No medical exam term life insurance
AVAILABLE TERM LENGTHS: 10, 15, 20, & 30 years (Depending on current age)
NON MEDICAL HEALTH CLASSES: Standard Non-Smoker & Standard Smoker
MINIMUM COVERAGE AMOUNT WITHOUT EXAM: $50,000
MAXIMUM COVERAGE AMOUNT WITHOUT EXAM: $249,999
ISSUE AGES: (Ages 16-55) $100,000 – $249,999
APPLICATION TYPE: Electronic only
TELEPHONE INTERVIEW: Yes, medical history will be conducted by telephone interview
DESCRIPTION OF COVERAGE: Minnesota Life Express Issue term life insurance offers 1-2 day no medical exam underwriting with death benefits as high as $249,999. Underwriting will consist of an electronic application, telephone interview, and a review of your MIB, MVR and prescription check. If you pass the medical questions, approval time can be made as little as 1-2 days.
PROS: Very affordable rates with fast approval times if you pass the medical questions.
CONS: Qualifying age cutoff of 55 is one of the lowest, of the no exam companies.
Sagicor Life Insurance
A.M. BEST’S RATING: A-
POLICY NAME: SAGE Term
TYPE OF POLICY: No medical exam term life insurance
AVAILABLE TERM LENGTHS: 10, 15, 20 years (Depending on current age)
NON MEDICAL HEALTH CLASSES: Standard Non-Smoker & Standard Smoker
MINIMUM COVERAGE AMOUNT WITHOUT EXAM: $50,000
MAXIMUM COVERAGE AMOUNT WITHOUT EXAM: $500,000
ISSUE AGES: (Ages 18-65) $50,000 – $500,000
APPLICATION TYPE: Paper or electronic
TELEPHONE INTERVIEW: Yes, only when selecting the paper application option
DESCRIPTION OF COVERAGE: Sagicor Sage Term life insurance offers the highest death benefit available with no medical exam underwriting. In order to apply for coverage, you may elect to complete a standard paper application or an electronic application.
If you choose to complete a paper application, you will need to complete a telephone interview, consisting of medical questions, which will take about 15 minutes.
Along with the application, underwriting will consist of a review of your MIB, MVR and prescription check. Underwriting time will vary depending on the individual applying but approval can be made within minutes on some individuals.
PROS: Offers the most amount of death benefit coverage without a medical exam.
CONS: Several medical conditions or prescriptions can disqualify you for coverage.
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Transamerica Living Benefits
A.M. BEST’S RATING: A+
POLICY NAME: Trendsetter Living Benefits (LB)
TYPE OF POLICY: No medical exam term life insurance
AVAILABLE TERM LENGTHS: 10, 15, 20, 25 & 30 years (Depending on current age)
NON MEDICAL HEALTH CLASSES: Standard Non-Smoker & Standard Smoker
MINIMUM COVERAGE AMOUNT WITHOUT EXAM: $25,000
MAXIMUM COVERAGE AMOUNT WITHOUT EXAM: $249,999
ISSUE AGES: (Ages 18-60) $25,000 – $249,999
APPLICATION TYPE: Paper or electronic
TELEPHONE INTERVIEW: Only if you have health issues that require additional details
DESCRIPTION OF COVERAGE: Transamerica Living Benefits term life insurance not only offers no medical exam underwriting but also comes with a critical, chronic and terminal illness living benefits rider.
These three riders allow you to access your policy’s death benefit for tax-free cash if you become ill from a qualifying critical, chronic or terminal illness.
In order to apply for coverage, a standard application along with a medical questionnaire will be required. Underwriting time will vary depending on the individual applying but typically runs from 1-4 weeks for approval.
PROS: The ability to access cash from your death benefit tax free if you suddenly become ill from a qualifying critical, chronic or terminal illness. The best part is, you don’t have to pay it back if you use it.
CONS: Underwriting can be a bit lengthy.
Important Facts When Considering No Medical Exam Term Life Insurance Coverage
APPROVAL – When considering no medical exam term life insurance coverage, it’s very important to understand that approval is not guaranteed. No medical exam term life insurance coverage is perfect for those who need coverage fast or just rather not deal with having to meet with an examiner or having to do a blood draw and urinalysis.
COVERAGE – Term life insurance no medical exam coverage has limitations on how much death benefit coverage you can get without having to take a life insurance medical exam. If you need death benefit coverage higher than $500,000 with one company, you will need to take a medical exam.
PRICE – It’s important to know that no medical exam life insurance coverage is a little more expensive than the traditional medical exam option.
No Medical Exam Term Life Insurance Quotes
The no medical exam term life insurance companies listed in this article are all available to you with Top Quote Life Insurance. The instant term life insurance quote tool to the left of the computer will display all the no medical exam term life insurance companies listed in this article.
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Leslie Kasperowicz
Farmers CSR for 4 Years
Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insur...
Farmers CSR for 4 Years
Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.