Best No-Exam Life Insurance

Best No-Exam Life Insurance – If you’re looking to secure a life insurance policy without the inconvenience of a medical exam, no-exam life insurance could be the right choice for you. Despite offering limited coverage, the benefit is that you won’t have to share any health information.

Best No-Exam Life Insurance

Here, we’ve spotlighted some of the best no-exam life insurance options to guide you in finding providers that offer this convenient coverage. This guide showcases the top companies providing this type of policy.

10 Best No-Exam Life Insurance

Insurers are evaluated to determine the best no-exam life insurance companies based on cost and coverage options.

With this article, you can choose any no-exam life insurance that best suits you. Some of the best no-exam life insurance companies include:


One of the best no-exam life insurance companies is Bestow. They provide term life insurance that can be applied for entirely online and takes only a few minutes.

The application process is user-friendly and easy to understand, permitting you to see how different factors impact your premiums.

Bestow also offers excellent customer service, with supportive agents available via phone or live chat.

However, Bestow only provides term life insurance and does not offer convertible or permanent coverage. So, if you need those types of policies, you will need to search elsewhere.

Haven Life

Haven Life provides a term life policy called “Haven Simple,” which is perfect for individuals between the ages of 20 and 55.

The policy provides face amounts that range from $25,000 to $1 million and does not require a medical exam.

However, applicants will be asked to offer information about their health and lifestyle. It is important to know that this is not a guaranteed issue policy.

What sets Haven apart is its user-friendly website and fast and easy application process. You do not need to meet with an insurance agent in person, but you can speak with one over the phone if you prefer.

State Farm

State Farm is known for its excellent customer service, steadily getting high ratings for customer satisfaction from J.D. Power.

This is owed in part to the company’s large network of agents, which is larger than any other insurance company in America.

Their commitment to having a strong presence in nearly every populated area has resulted in a reputation for exceptional customer service.

With thousands of local offices throughout the US, policyholders can easily meet with their agents in person.

State Farm’s Instant Answer Term Insurance is a no-medical exam policy that offers up to about $50,000 of death benefit protection until age 50 or for a maximum of 10 years, whichever is longer.

With this policy, you can apply for and purchase coverage on the same day at an agent’s office, if accepted.


Nationwide is a famous insurance provider that provides an array of services, including insurance, investment, and banking facilities.

As a customer, you can benefit from its wide experience of over 85 years, an A+ (superior) rating from AM Best, and fewer life insurance complaints with state insurance departments than average.

It is a well-rounded provider that can supply your financial needs.

Mutual Of Omaha

Mutual of Omaha has been providing life insurance, pension, and annuity products to individuals and groups since the year 1926.

The company has an A+ rating with AM Best, representing its ability to pay large claims and keep permanent policies in force.

Despite its long-standing history, it has an easily controllable website and a supportive live chat feature to answer any policy-related queries.

You can get a term or whole life insurance quote online or speak with your nearby agent.


USAA’s life insurance products are available to everyone, including non-military and military personnel.

Although active-duty military personnel get additional benefits, like $25,000 for expenses after a severe injury and guaranteed insurability if they exit the military.

USAA’s life insurance product line is founded on its term life product range. The primary purpose of term life insurance is to fulfill a temporary need, like protecting your family while you have a mortgage or until your children graduate.


AARP provides a no-medical exam-term life insurance policy for its members aged 50 to 74 and their spouses ages 45 to 74.

The policy offers coverage until the insured’s 80th birthday, and the death benefit remains level through the term. However, the yearly price increases each time the insured person enters a new five-year age band.

The policy can be transformed into permanent insurance at or before 80 years of age, with rates based on age.

Coverage amounts range from about $10,000 to $150,000 (or $100,000 in New York), with higher amounts possibly available.

Applicants need to answer some health questions and provide other health information but do not have to take a medical exam.


Transamerica provides lower prices than a lot of life insurers, mainly for younger adults, with its Trendsetter super-term life policy.

Coverage is available from the range of $25,000 to $10 million and up, with no medical exam needed for up to $2 million for succeeding applicants (requirement determined by answering health questions).

A lot of independent life insurance agents represent Transamerica and sell it to younger, price-conscious buyers due to its low price and high commission payout.

The company, despite its long-standing presence, has a lower reputation and customer service ratings compared to other insurance companies.

Fidelity Life

Fidelity Life could be a good option for you if you have serious health issues, are older, or have been denied coverage in the past. The company provides a lot of options for permanent no-exam coverage, like final expense, whole life, and accidental death benefit policies. It holds an A- rating with AM Best, demonstrating excellent financial strength.

However, Fidelity Life is not the strongest provider on this list when it comes to customer service, as it gets a higher concentration of complaints from state insurance departments than other providers of its size.


TruStage is a famous brand that provides life insurance and financial services products. They are a part of CUNA Mutual Group, which is a supposed insurance and financial services organization serving credit unions and their members throughout the United States.

TruStage was established in 1935 and offers various no-exam life insurance options with quick and straightforward online applications.

TruStage provides both term and whole life insurance policies, including guaranteed-acceptance whole life coverage.

It is important to know that while prices for TruStage term life insurance policies are higher than competing online insurance options, they do not need a medical exam for coverage.


However, it’s crucial to note that a no-exam life insurance policy might not provide the full coverage amount you require. This is particularly true if you aim to cover many working years or the years of raising a family.

Before obtaining life insurance quotes, it’s advisable to calculate the necessary coverage so that you can make an informed decision. Relying solely on a no-exam policy might not offer adequate coverage.

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