The Best and Cheapest No-Exam Life Insurance Plans

The Best No-Exam Life Insurance Plans

The right no-exam life insurance plan can assure financial protection for your family and save you a significant amount of time and money.  And, although the process of finding a good no-exam life insurance plan may seem complicated, there are simple strategies to help you along the way. First, comparison shopping is key, and second, finding a plan that suits your specific needs can ensure you get the amount of coverage you need and save a lot of money along the way.

The right no-exam life insurance plan can save you a significant amount of time and money.  And, although the process of finding life insurance may seem complicated, there are simple strategies to help you along the way. First, comparison shopping is key, and second, finding a plan that suits your specific needs can ensure you get the right coverage and save a lot of money along the way.

Two key factors to consider are the amount of coverage you need and how long you need it.  Most no-exam life insurance plans start at $50,000 and go up to $1.5 million or more.  And they'll typically offer coverage for between 10 to 30 years.

When it comes to finding the right no-exam life insurance plan, comparison shopping is the most important part of the process.  And, although this process can be overwhelming, it doesn't have to be.  We did some research and narrowed it down to the best no-exam life insurance companies for you, such as Ladder Life Insurance.  Continue reading for more of the best no-exam life insurance plans.

Disclosure:  Companies we recommend may pay us a referral fee.

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Finding the right no-exam life insurance plan can potentially save you a lot of time and money and help prevent your family from experiencing financial hardship in the event of your passing.  Here are more of the best no-exam life insurance companies.

Ethos makes getting life insurance easier, faster, and better.  They were founded in 2017 and offer a great digital platform to quickly and conveniently compare and apply for life insurance rates online. They have teamed up with companies like Banner Life, Ameritas, and TruStage to offer term 10, 15, 20, and 30-year term policies with up to $1.5 million in coverage. No medical exams are required for policies up to $1 million.  $1 million dollars of coverage starts around $18 per month.

Haven allows you to buy a 100% no medical exam term life insurance policy entirely online with no agents.  They are a wholly-owned subsidiary of MassMutual. Some applicants qualify for instant coverage while others have to complete the medical exam. A 20-year, $500,000 policy costs as little as $25 a month.

AIG Direct offers a range of custom term plans up to 35-year term as well as return of premium, and permanent plans that build guaranteed cash value. Their rates will beat just about anyone if you take an exam, but their no-exam offerings are also very competitive.  Policies are insured by American General, a company that has been in business for 100 years and offers multiple types of life insurance, plus auto, home, and retirement products.