Cheap Life Insurance Without Medical Exams in 2024 (Save With These 10 Companies!)
Cheapest w/o Medical: Metlife
977 reviews
Min. Coverage Without Medical Exams
$57/mo
977 reviews
Compare Rates →
2nd Cheapest w/o Medical: Bestow
0 reviews
Company Facts
Min. Coverage Without Medical Exams
$58/mo
Pros & Cons
$1.5 million coverage option for no-medical examssophisticated online system (quotes, application, live chat, etc.)Only offers term policieslack of policy riders0 reviews
Compare Rates →
3rd Cheapest w/o Medical: Erie
1,814 reviews
Company Facts
Min. Coverage Without Medical Exams
$63/mo
1,814 reviews
Compare Rates →
The top picks for cheap life insurance without medical exams are MetLife, Bestow, and Erie, known for their competitive coverage options.
These companies offer policies that provide peace of mind quickly and with minimal hassle, bypassing the need for traditional medical screenings.
Learn more in our “Types of Life Insurance.”
Focusing on affordability and accessibility, they cater to those who may face difficulties obtaining standard life insurance due to health concerns. By comparing these providers, you can secure a policy that best fits your circumstances without compromising on the quality or speed of coverage.
Enter your ZIP code into our free quote comparison tool above to instantly compare life insurance quotes from trusted insurers near you.
Quick Facts
MetLife is the top choice for life insurance without medical exams
Policies cater to those with health concerns needing coverage
No-exam insurance simplifies the application process significantly
#1 – MetLife: Top Overall Pick
Pros
Good Health Discount: MetLife offers a 25% discount for good health.
Competitive Monthly Rates: Premiums start as low as $57. Discover insights in our MetLife life insurance review.
No Medical Exam Required: Policies available without undergoing a medical examination.
Cons
Limited Policy Options: Fewer choices compared to competitors with broader offerings.
No Multi-Policy Discounts: This does not offer discounts for bundling with other types of insurance.
Your life insurance quotes are always free.
Secured with SHA-256 Encryption
#2 – Bestow: Best for Easy Process
Pros
Simplified Application: Streamlined process for faster approval.
Healthy Lifestyle Rewards: Offers a 20% discount for maintaining good health.
Affordable Rates: Monthly premiums start at $58. Unlock details in our Bestow life insurance review.
Cons
Age Restrictions: Coverage options may be limited for older applicants.
Short Policy Terms: Primarily offers shorter-term policies.
#3 – Erie: Best for Fast Approval
Pros
Quick Processing: Fast approval times for applications.
Moderate Health Discounts: 17% discount for good health.
Competitive Pricing: Rates begin at $59 per month. Delve into our evaluation of Erie life insurance review.
Cons
Geographic Limitations: Coverage is not available in all states.
Limited Customization: Fewer options to tailor coverage specifics.
#4 – Allstate: Best for Online Application
Pros
User-Friendly Online Tools: Easy application and management online.
Good Health Incentives: 22% discount for healthy individuals.
Broad Accessibility: Extensive network and online presence. Access comprehensive insights into our Allstate life insurance review.
Cons
Higher Starting Premiums: The starting rate at $60 may be higher than some competitors.
Less Focus on Individualized Plans: More standardized plans with fewer customization options.
Your life insurance quotes are always free.
Secured with SHA-256 Encryption
#5 – Guardian: Best for Adjustable Coverage
Pros
Flexible Coverage Options: Allows adjustments to policy coverage.
Top Health Discount: Matches the highest discount of 25%. Discover more about offerings in our Guardian life insurance review.
Comprehensive Plans: Offers a wide range of plans and additional benefits.
Cons
Higher Minimum Premiums: Starts at $61, slightly higher than other options.
Complex Policy Features: Might be overwhelming for those new to insurance.
#6 – Travelers: Best for Multiple Providers
Pros
Wide Network: Access to a broad range of insurance providers. Check out insurance savings in our complete “What happens when my term life insurance policy ends?“
Good Health Discount: Offers a 20% discount for good health.
Diverse Coverage: Policies cater to a variety of needs and budgets.
Cons
Varied Customer Service: Experience may vary greatly depending on the provider.
Inconsistent Pricing: Premiums can be unpredictable across different providers.
#7 – Liberty Mutual: Best for Personalized Recommendations
Pros
Customized Advice: Offers personalized recommendations based on individual needs.
Significant Health Discount: Provides an 18% discount for good health. Read up on the Liberty Mutual life insurance review for more information.
Wide Range of Products: Offers numerous insurance products beyond life insurance.
Cons
Premium Costs: Starting at $64, premiums can be on the higher side.
Complex Application Process: Sometimes involved and time-consuming setup.
Your life insurance quotes are always free.
Secured with SHA-256 Encryption
#8 – USAA: Best for Quick Approval
Pros
Fast Application Approval: Efficient processing for quick coverage.
Dedicated to Military and Families: Tailored services for military members and their families.
Solid Health Discount: 15% discount for maintaining good health. More information is available on our “Best Life Insurance Companies.”
Cons
Membership Restrictions: Primarily serves military members, veterans, and their families.
Limited Policy Variety: Fewer options compared to broader-market insurers.
#9 – Transamerica: Best for Guaranteed Issue
Pros
Cons
Higher Costs for Features: Guaranteed issue policies can be more expensive.
Limited Additional Benefits: Fewer perks compared to other top insurers.
#10 – AIG: Best for Convenient Process
Pros
Streamlined Applications: Focus on convenience and ease of use.
Competitive Health Discount: 14% discount for good health. Learn more in our AIG life insurance review.
Range of Policy Options: Offers a variety of term and whole-life policies.
Cons
Higher Starting Rates: Starts at $69, which is higher than many competitors.
Complex Policy Terms: Can be challenging to understand all options and clauses.
Your life insurance quotes are always free.
Secured with SHA-256 Encryption
Comparative Monthly Rates for No-Exam Life Insurance Coverage
When considering life insurance without medical exams, the monthly rates can vary significantly between the minimum and full coverage options offered by different providers.
The table below outlines the costs associated with both levels of coverage across various insurance companies. For instance, AIG’s rates start at $69 for minimum coverage and go up to $155 for full coverage.
Comparatively, MetLife offers the lowest entry point at $57 monthly for minimum coverage and extends up to $125 for full coverage, marking it as one of the more affordable options. See more details on our “What is the minimum coverage amount for life insurance?”
On the higher end, Liberty Mutual starts at $64 and scales up to $137. This spread of pricing highlights the diversity in costs associated with different levels of coverage, reflecting how consumers can tailor their life insurance to match their financial capacity and coverage needs without undergoing a medical exam.
What Is No Medical Exam Term Life Insurance
No medical exam term life insurance is just like it sounds — you may qualify for a term life insurance policy without taking an exam or providing blood and urine samples. However, it doesn’t mean the insurance company doesn’t consider your medical history.
You still must fill out a medical history questionnaire. The insurance company can deny your application if your medical history is concerning or if you haven’t seen a doctor recently.
For example, insurance companies can ask if you have high blood pressure when getting no medical exam term life insurance quotes. Even if you don’t require an examination, saying yes may disqualify you (For more information, read our “How To Get Life Insurance With High Blood Pressure“).
In addition, the insurer may require a medical exam if your history indicates a specific risk level. So, depending on your medical history, you may still have to take an exam to get life insurance.
Insurance companies are all about risk. While your medical history provides a glimpse of the risk of insuring you, it doesn’t give a complete assessment. Therefore, expect higher rates than a policy requiring a medical exam.
The coverage amount may also be limited. Typically, a no-exam life insurance quote caps out at around $1 million. So, if you need more coverage, you would need multiple policies, or you could consider a more traditional policy.
A no-exam policy may be best if you need term life insurance fast. In most cases, you can buy life insurance online with no medical exam quickly, but cost and speed don’t go hand in hand. You’ll pay more for the convenience of getting quick coverage.
What Are the Types of Term Life Insurance With No Medical Exam
Term life insurance provides coverage for a specific amount of time, usually at a set rate for the policy’s life. However, when your term ends, you must start a new policy, and rates may be higher.
Term life insurance isn’t one size fits all. There are several types of term life insurance with no medical exam, and each one has different benefits.
Types of term life insurance with no medical exam include:
Simplified: This term life insurance type is the most streamlined, and you only have to answer a few medical questions.
Guaranteed: Guaranteed term life insurance provides coverage no matter your medical history, but coverage is very limited, and rates are very high.
Employer Offered: Your employer offers this life insurance type with limited coverage and low costs.
The type of term life insurance you choose affects your rates. For example, guaranteed coverage is much more expensive since the insurance company assumes many risks.
The term life insurance type you need is up to you. Each one can be beneficial depending on your situation. First, carefully consider what kind of policy you need. Then, compare no-medical exam life insurance quotes to get your best deal.
Your life insurance quotes are always free.
Secured with SHA-256 Encryption
How Much Does No Medical Exam Life Insurance Cost
Expect lower rates if you’re within the age requirements and have a clean medical history. However, if you have certain medical conditions, coverage is more expensive.
Remember, costs vary based on your information, such as age, medical history, occupation, and hobbies. For example, people with high-risk jobs, such as firemen or police officers, see higher life insurance rates.
Learn more: Life Insurance by Occupation
Who Needs Life Insurance Without a Medical Exam
While term life insurance with no medical exam is more costly, it’s an excellent option for certain people. First, if your medical condition makes it difficult to get life insurance, consider no medical exam coverage. For example, it’s hard to find life insurance if you have diabetes, smoke, or have heart conditions.
Be very honest when applying for life insurance. Even though you may not have a medical exam, answer questions about your medical history honestly. Your insurer can deny a claim if you lie while applying for coverage.
Second, if you need life insurance quickly, no medical exam coverage is quicker to get due to the streamlined process. Instead of taking weeks to finalize your policy, you can have coverage in hours or days.
Finally, you might consider life insurance without a medical exam if you want coverage through your employer. Often, your employer pays for coverage, or it’s relatively inexpensive. The drawback is that your policy ends if you leave your job.
What Are the Pros and Cons of Term Life Insurance With No Medical Exam
While not taking a medical exam can be enticing, there are pros and cons to consider before signing up.
Pros of no medical exam term life insurance include:
It’s easy to apply for coverage.
No medical exams are required.
Acceptance is quicker.
Some policies guarantee coverage.
Term life insurance without an exam is an excellent fit for people who may not pass a medical exam or need coverage quickly.
Cons of no medical exam term life insurance include:
Policies offer lower-than-average coverage amounts.
Rates are higher than a traditional term life insurance policy.
The full death benefit isn’t immediately available.
It can be challenging to determine what type of life insurance you need. So think carefully about how much coverage you need and the coverage rates.
Your life insurance quotes are always free.
Secured with SHA-256 Encryption
The Bottom Line: No Medical Exam Term Life Insurance
Term life insurance with no medical exam is more expensive and offers less coverage than traditional term life. However, people who need coverage immediately or don’t think they can pass a medical exam benefit from this coverage.
In fact, guaranteed coverage is available for those with medical conditions who may be unable to get coverage otherwise. However, rates will be much higher, and coverage amounts are limited.
Shopping around makes it possible to find cheap life insurance with no medical exam. Each life insurance company weighs your medical history differently and offers various rates. Before choosing a life insurance policy, consider your coverage needs and budget carefully.
Although term life is cheaper than whole life, no exam coverage is more expensive and has limited coverage options (For more information, read our “How To Get Life Insurance With Diabetes“).
Discover cheap quotes for life insurance by entering your ZIP code into our free quote comparison tool below.
Frequently Asked Questions
What options are available for affordable life insurance no exam?
Affordable life insurance without an exam can be obtained from providers like MetLife, Bestow, and Erie, offering competitive rates for those looking for quick and easy coverage solutions without a medical exam.
For additional details, explore our comprehensive resource titled “Getting Life Insurance.”
Where can I find affordable life insurance no health questions?
Companies like AIG and Transamerica offer affordable life insurance policies that do not require health questions, making them ideal for individuals with pre-existing conditions or those seeking hassle-free enrollment.
How can I get affordable life insurance with no medical exam?
To secure affordable life insurance with no medical exam, compare quotes from multiple insurers like MetLife, Erie, and Bestow who specialize in providing cost-effective policies with minimal qualification requirements.
Which company offers the best term life insurance without medical exam?
MetLife is often regarded as the top provider for the best term life insurance without a medical exam, thanks to their competitive rates and comprehensive coverage options.
What is the best whole life insurance without medical exam?
For the best whole life insurance without a medical exam, consider Guardian or Liberty Mutual, both of which offer robust lifelong coverage without the need for medical screening.
To find out more, explore our guide titled “Term Life Insurance vs. Whole Life Insurance.”
Can I get life insurance without a medical exam?
Yes, many insurance companies offer life insurance policies without a medical exam, allowing for quicker and more convenient application processes.
Where can I find cheap life insurance without medical exam or questions?
Providers like Bestow and MetLife offer cheap life insurance policies without a medical exam or health questions, focusing on simplicity and affordability.
Does Haven Life require a medical exam?
Haven Life typically requires a medical exam to qualify for most of its life insurance policies, although they may offer simplified issue policies that do not require one.
How can I obtain easy life insurance no exam?
Where can I get free life insurance quotes with no medical exam?
Most online insurance platforms and providers like MetLife and Erie allow you to obtain free life insurance quotes without a medical exam, offering immediate pricing and policy options directly.
How can I get an instant quote for life insurance?
You can receive an instant quote for life insurance by visiting online insurance providers like MetLife or Bestow, where you can enter your details and get pricing immediately without a medical exam.
Our quote comparison tool below will allow you to shop for affordable life insurance rates from the top companies near you — just enter your ZIP code to get started.
Where can I find life cover with no medical questions?
Insurance companies such as AIG and Transamerica offer life cover with no medical questions, providing options for those who prefer not to disclose health details.
What options are available for life insurance for seniors no exam?
Seniors can obtain no-exam life insurance from providers like MetLife and Guardian, who offer policies specifically designed to accommodate older adults without the need for a medical exam.
Learn more by reading our guide titled “Life Insurance for Seniors.”
Can I get life insurance no blood test required?
Yes, many insurers, including Erie and Bestow, offer life insurance policies that do not require a blood test, simplifying the application process significantly.
Is it possible to purchase life insurance with no doctor visit?
Absolutely, companies like MetLife and Erie provide life insurance options where no doctor visit is required, allowing you to secure coverage based on a simple health questionnaire or existing medical records.
How can I get a quick quote for life insurance?
You can receive a quick quote for life insurance by using online tools provided by insurers like MetLife or Bestow, which offer instant pricing and policy details.
Where can I shop for quick quotes on life insurance?
Online insurance comparison platforms allow you to shop for quick quotes from multiple providers, helping you compare rates and coverage options efficiently.
Access comprehensive insights into our guide titled “Compare Types of Life Insurance Coverage.”
Does State Farm offer life insurance with no medical exam?
State Farm offers certain life insurance policies that do not require a medical exam, focusing on simplified and streamlined application processes.
What is term life insurance with no physical exam?
Term life insurance with no physical exam is a policy that provides coverage for a specific period without requiring the insured to undergo a physical examination.
What is no exam life insurance?
No exam life insurance is a type of policy that grants coverage without the need for a medical examination, appealing to those who want quick, convenient insurance solutions.
Explore affordable life insurance options by entering your ZIP code below into our free comparison tool today.
Your life insurance quotes are always free.
Secured with SHA-256 Encryption
Laura Berry
Former Licensed Insurance Producer
Laura Berry has experience as a licensed producer selling life, health, and property insurance coverage for both Allstate and State Farm. She has dedicated many hours to helping her clients understand the insurance marketplace so they could find the best car, home, and life insurance products for their circumstances.
While she currently helps businesses take advantage of the federal R&D tax…
Former Licensed Insurance Producer
Tim Bain
Founder & Life Insurance Agent
Tim Bain is a licensed life insurance agent with 23 years of experience helping people protect their families and businesses with term life insurance.
His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
Founder & Life Insurance Agent
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.
