Shuman Roy is an entrepreneur, business owner, and musician. He started RoysNoys, LLC in 2013 as a music production and education service company. He also offers small business consulting and advisory services to help businesses get from start-up mode to turn-key operations. Shuman earned his M.B.A from the Stern School of Business in 2001 and has an undergraduate degree from Manhattan College in ...

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Joel...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Nov 3, 2021

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The Truth in a Nutshell

  • Globe Life’s no-medical-exam life insurance rates are as low as $4 a month
  • No-medical-exam life insurance is usually more expensive than standard life insurance
  • Some life insurance companies may ask you health questions instead of requesting a medical exam

Are you searching for life insurance companies that don’t require a medical exam? Life insurance companies usually ask medical questions or require medical exams.

However, there are a few insurance companies that won’t require medical exams or ask health questions.

But how much does life insurance cost when you opt out of a medical exam? Don’t worry — we’re here to answer your questions.

Our guide shows life insurance companies that provide life insurance with no medical exam and no waiting period.

Also, we’ll explore which life insurance companies provide whole life insurance with no medical exam.

After you learn more about life insurance companies that don’t require a medical exam, enter your ZIP code in the online quote tool above to compare multiple insurance companies near you.

What are the best life insurance companies that don’t require a medical exam?

Life insurance companies that don’t require a medical exam provide no-medical-exam life insurance policies.

Let’s look at the best insurance companies for no-medical-exam life insurance.

Insurance Companies that Offer No Medical Exam Life Insurance
ProviderOffers No Medical Exam Life Insurance?
Globe Life?
AIG?
Prudential?
State Farm?
Fabric?
Bestow?
Colonial Penn?
Haven Life?
AARP?
Ethos?
USAA?
American Family?
Erie insurance?
Country Financial?
John Hancock?
Securian Financial?
Brighthouse Financial?
Jenny Life?
Sproutt?
Lincoln Financial?
Sagicor Life?
Ladder?
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USAA life insurance only insures veterans and their immediate families. Therefore, the majority of shoppers should consider other life insurance companies for reliable coverage.

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How much are no-medical-exam life insurance rates?

Usually, no-medical-exam life insurance is more expensive than standard life insurance, but a few insurance companies have rates less than $10 a month.

Let’s examine the monthly life insurance rates of the top companies with no-medical-exam life insurance policies.

Best No Medical Exam Life Insurance Companies
CompaniesA.M. Best RatingsCoverage CapacityIssue AgesPremiumsLife Insurance Policies Offered
AIGA$10 millionUp to 80Contact agentTerm, whole, universal, and accidental death
Colonial PennA-Contact agentUp to 85$9.95+/monthGuaranteed acceptance, whole, and term
Globe LifeA$100,000Contact agent$3.98+/monthTerm, whole, and mortgage protection
Prudential Veterans’ Group Life InsuranceA+Over $750,000Contact agent$12.08+/monthTerm and universal
State FarmA++Contact agentUp to 45 with no medical examContact agentTerm, whole, and universal
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State Farm has the best A.M. Best rating, but AIG provides the greatest number of life insurance policies. Meanwhile, Globe Life is the most affordable company.

Globe Life, Prudential, and Colonial Penn have no-medical-exam life insurance rates that are lower than $15 per month. However, your rates will likely vary.

Which life insurance companies have no waiting periods?

Northwestern Mutual, MetLife, AARP (New York Life), Prudential, and Lincoln Financial are the best life insurance companies with no waiting periods.

Where can I get whole life insurance with no medical exam?

Guaranteed acceptance life insurance is the best whole life insurance policy for people who want permanent life insurance with no medical exam.

Here are the top life insurance companies that carry guaranteed acceptance life insurance policies.

  • AIG
  • Colonial Penn
  • Americo
  • MetLife
  • Mutual of Omaha
  • United Home Life
  • Fidelity Life
  • Vantis Life Insurance Company
  • Gerber

MetLife and AIG have the highest market share, but the other life insurance companies are reliable too. Compare each company carefully to get the best deal.

How much is guaranteed acceptance life insurance?

Several factors determine whether affordable life insurance is available to you. The most significant factors are age, gender, health, policy limit, and policy type.

These factors impact guaranteed acceptance life insurance rates as well. Let’s go over the average monthly rates for guaranteed acceptance life insurance.

Monthly Guaranteed Acceptance Life Insurance Rates by Age, Gender, and Policy Limit
Age and Gender$10K Policy Limit$15K Policy Limit$20K Policy Limit
50-Year-Old Male  $30$44$70
50-Year-Old Female$24$35$56
60-Year-Old Male  $42$62$101
60-Year-Old Female$33$47$77
70-Year-Old Male  $70$104$171
70-Year-Old Female$51$75$122
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Older policyholders pay more for life insurance. But guaranteed acceptance life insurance has more perks than some term life insurance policies.

However, guaranteed acceptance life insurance typically has lower policy limits than standard whole life insurance.

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Which life insurance companies require a medical exam?

Life insurance companies that do require a medical exam are available everywhere.

No-medical-exam life insurance policies have lower policy limits and more expensive rates. Traditional life insurance is cheaper with higher policy amounts.

You must get a medical exam and answer health questions if you want to buy a standard life insurance policy.

What’s the age limit for no-medical-exam life insurance?

The average age limit for no-medical-exam life insurance is 80 years old. But each life insurance company has different age limits.

If you’re over the age of 80 and need life insurance, try shopping for final expense life insurance to avoid costly rates associated with other policies.

What are the other available no-medical-exam life insurance policies?

Several alternatives to no-medical-exam life insurance are available all over the United States. Here are a few life insurance policies to consider.

  • Guaranteed acceptance life insurance (whole life insurance)
  • Simplified-issue term life insurance
  • Final expense life Insurance (burial or final expense burial insurance)
  • Group life insurance (life insurance through an employer)

Simplified-issue life insurance is more like traditional term life insurance, but final expense burial insurance lasts until you pass away.

Guaranteed acceptance life insurance is a whole life insurance policy, but it lacks the higher policy amounts that permanent life insurance policies typically have.

Finally, group life insurance is a no-medical-exam policy you can receive from your employer.

Life Insurance Companies That Don’t Require a Medical Exam: What’s the bottom line?

Life insurance with no medical exam is typically more expensive than standard life insurance. But you can secure cheaper no-medical-exam life insurance by shopping with the right company.

However, life insurance with no medical exam is connected to lower death benefits. If you want higher policy amounts, you’ll need to shop for traditional life insurance policies.

Now that you know more about life insurance companies that don’t require a medical exam, enter your ZIP code in the free comparison tool below to compare multiple companies in your area.

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Frequently Asked Questions: Life Insurance Companies That Don’t Require a Medical Exam

Before you go, check out some answers to frequently asked questions to learn more about no-medical-exam life insurance.

#1 – Is no-medical-exam life insurance more expensive than standard life insurance?

It depends on your age, health, gender, death benefits, and policy type. But life insurance with no medical exam is usually more expensive.

#2 – What’s the highest coverage limit for no-medical-exam life insurance?

Policy amounts vary for each company. Some companies provide policy limits up to $3 million.

#3 – Do smokers pay more for no-medical-exam life insurance?

The answer is yes. According to the Centers for Disease Control (CDC), smokers have a shorter life expectancy than people who don’t smoke.

#4 – Can I get no-medical-exam life insurance if I have good health?

The short answer is yes. No-medical-exam life insurance is available for everyone who qualifies.

#5 – Why do younger people pay less for life insurance?

The younger population has a higher life expectancy. Therefore, life insurance companies charge younger people less.