No Medical Exam Life Insurance



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No Medical Exam Life Insurance

If you qualify, you can get life insurance from the following companies without having to take a medical exam.  You will have to complete an application that includes medical and lifestyle questions.  Approval times vary depending on the company and could be anywhere from instant approval to several days.  A medical exam might still be required to purchase in some cases.

 Requirements:

  • Life Insurance Application - 2 Ways to complete...
  1. Over the phone.  A telephone Interview is conducted by the life insurance company.  
  2. 100% Digital - Application is completed on company's website
  • Identity Verification 
  • MIB - The Medical Information Bureau is a resource for insurance underwriters to assess risk and evaluate life insurance applications.  Insurers use the MIB to learn more about your medical history and past applications.
  • MVR
  • RX History Check
  • FCRA Consumer Database Check

ALERT: The need for a medical exam and labs could be from the underwriting data gathered, such as prescription drug reports, a disclosure you make, or a combination of factors.  Even if you don't qualify for a no medical exam offer, you may still qualify for the best health class by going through the exam and underwriting

Companies that offer No Exam Life Insurance Telephone Interview Required

Banner Life Insurance (Legal & General America)

Telephone Interview Required.   Banner has an automated underwriting system that can speed qualified applicants through to approval with no medical exams, labs or medical records.

Available On:

  • 10, 15, 20, 25, 30 Year Term Life Insurance

Age & Face Amounts:

  • Ages 20-50, Amounts $100,000 - $500,000 (10 Year only)
  • Ages 20-40, Amounts $100,000 - $1 million (15-30 Year)
  • Ages 41-45, Amounts $100,000 - $750,000 (15-30 Year)
  • Ages 46-50, Amounts $100,000 - $500,000 (15-30 Year)

Lincoln National Life Insurance Company:

Telephone Interview Required.  Lincoln National offers a streamlined application and automated underwriting for faster turnaround times on term life insurance policies.

Available On:

  • 10, 15, 20, 30 Year Term Life Insurance

Age & Amount

  • Ages 18–60
  • $1 million or less

Pacific Life

Telephone Interview Required.  By using digital tools, available data and predictive modeling, Pacific Life offers a more convenient and less invasive underwriting process. 

Available  on:

  • PL Promise Term 10, 15, 20, 25, or 30 term life insurance

Ages & Amounts

  • Ages 18-60 
  • Up to  $2 million

Protective Life

Telephone Interview Required.  Protective Life Underwriting Solution (PLUS), a more tailored and expedited underwriting experience based on your health and advanced analytics. 

Available on:

  • Protective Classic Choice Term
  • Protective Advantage Choice UL
  • Protective Custom Choice UL

Age & Face Amounts

  • Ages 18-45 $100,000-$1,000,000
  • Ages 46-60 $100,000-$500,000 

Companies that offer no exam life insurance-100% Digital

Bestow Life Insurance Company:

100% Digital.  Answer a few simple questions online and find out if you’re instantly approved for coverage, in as little as 5 minutes with Bestow Life.

Available On:

  • 10, 15, 20, 25, 30 Year Term Life Insurance

Age & Face Amount:

  • Age 18 - 60
  • $50,000 to $1,500,000

Ethos Life Insurance Company:

100% Digital.  Ethos offers a simple online application that includes medical questions.  No medical exam is required.  Quick, sometimes instant decisions.  If approved, you can activate your coverage immediately.

Available On:

  • 10, 15, 20, 30 Year Term Life Insurance

Age & Face Amount:

  • Age 20 - 65 
  • $50,000 to $1,500,000

Haven Life Insurance Company:

100% Digital.  With Haven Life, you can apply for and purchase life insurance online.  No medical exam required for qualified healthy applicants.  Decision in minutes. 

Telephone Interview Required?  No

Available On:

  • 10, 15, 20, 30 Year Term Life Insurance

Age & Face Amount:

  • Age 18 - 59
  • $100,000 to $1,000,000

Ladder Life Insurance Company:

100% Digital.  You can apply for life insurance coverage with Ladder Life online and if eligible, you can get approved and have immediate coverage within minutes.  

Available On:

  • 10, 15, 20, 25, & 30 Year Term Life Insurance

Age & Face Amount

  • Ages 20-60 
  • $3,000,000 or less

Note: Your current age plus the term length cannot exceed 70 years.  For example, if you are 60 years old, the longest term you can get is 10 years.  55 years old - 15 years.  50 years old - 20 years.  45 year old - 25 years.  40 years old - 30 years.

Sagicor Life Insurance:

100% Digital.  Sagicor has an automated underwriting system that utilizes an eApplication to provide an underwriting decision in minutes with no telephone interview, medical exams, bodily fluids or Attending Physician Statement (APS) required

Available On:

  • 10, 15, 20 Year Term life Insurance

Issue Age & Face Amount:

  • Ages 18 to 45 - $50,000 to $1,000,000
  • Ages 46 to 55 - $50,000 to $750,000
  • Ages 56 to 65 - $50,000 to $500,000

Nonmedical conditions that may prompt the need for a medical exam including labs/vitals

This list of nonmedical conditions that may prompt the need for a medical exam including Labs/Vital is not all inclusive.  There may be other reasons not listed. 

  • Use of tobacco products  
  • Parent or sibling death from cardiovascular disease or stroke before age 60
  • Bankruptcy in the last 5 - 10 years
  • History of DUI or distracted driving convictions in the last 5 years
  • History of multiple motor vehicle violations in the last 3 years
  • Felony conviction in the last 5 years and/or currently on probation or parole.  Not charged with awaiting a trial for or convicted of a felony
  • Hazardous sports activity, such as hang gliding, mountain climbing, sky diving, private pilot etc.)
  • Occupation is considered hazardous or you are a professional athlete or entertainer
  • Not currently receiving a pension or payment because of injury, sickness or disability
  • Pilot without instrument flight rating (IFR)
  • Submission of a prior trial (informal) or formal life insurance applications to multiple companies within the last 12 months.  No life , health or disability insurance has been rate, declined or postponed
  • U.S. citizen or permanent resident with no travel to hazardous locations

Medical conditions that may prompt the need for a medical exam and  labs/vitals

This list of medical conditions that may prompt the need for a medical exam including Labs/Vital is not all inclusive.  There may be other reasons not listed. 

  • Alcohol abuse and/or treatment
  • Atrial fibrillation or other arrhythmia
  • Bariatric Surgery
  • Barrett's esophagus
  • Bipolar Disorder
  • Cancer history (other than basal and squamous cell skin cancers)
  • Cardiomyopathy
  • Carotid artery disease
  • Chronic obstructive pulmonary disease (COPD/emphysema)
  • Cirrhosis
  • Clotting Disorder
  • Crohn’s disease/ulcerative colitis
  • Diabetes/gestational diabetes
  • Drug abuse and/or treatment
  • Emphysema
  • Epilepsy/seizure
  • Elevated cholesterol without treatment
  • Gastric bypass/lap band
  • Hepatitis B or C
  • Heart disease/surgery (all types)
  • Height & weight within the recommended limits
  • Hypertension with above average blood pressure readings.
  •  Kidney disease
  • Leukemia
  • Lupus/Scleroderma
  • Lymphoma
  • Melanoma, 
  •  Multiple sclerosis (MS)
  •  Muscular dystrophy (MD)
  • Pancreatitis
  •  Parkinson’s disease
  • Peripheral artery disease (PAD)/ peripheral vascular disease (PVD)
  • Prescription narcotic use
  • Pituitary disorder
  • PTSD
  •  Rheumatoid arthritis
  • Schizophrenia
  • Stroke/ TIA

Written by:  Chris Lalor

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