Just as term and whole life insurance policies suggest, term policies provide coverage for a designated period term, while whole policies remain in effect throughout the life of the insured. Traditionally, before taking out a life insurance policy, companies would mandate a medical exam take place before allowing full coverage to take effect. Ostensibly, this was meant to protect the companies’ financial stake from imminently life threatening conditions. Such conditions may include diabetes, heart disease, cholesterol, blood pressure and HIV, as well as other diseases affecting the heart, pancreas, liver, kidney, and bladder. 

While companies today still offer potential policy holders the option of participating in medical exams, there is an increasing caveat of insurance carriers who do not. For those that don’t, higher premiums, lower payouts, and age restrictions are not uncommon. The exception are holders of whole life policies, which do not mandate medical exams, or those that are of sufficiently low age and risk to raise much concern.

Historically, however, this was not the case until the passage of The Affordable Care Act of 2010, which disallowed refusal of coverage based on pre-existing conditions. By now providing the option of not having to take part in a medical exam, the life insurance industry is abiding by the tenants of the law. With that in mind, the following companies represent a cross-section of what the best life insurance providers offer in the case of no medical exam. 


Top 4 The Best No Medical Exam Life Insurance

#1
Our Partner
9.6 / 10

While AIG Direct does not offer full coverage for those who do not engage in medical exams, they do offer the alternative of Accidental Death (& Dismemberment) Insurance. Geared towards those between the ages of 18 and 80, this insurance type is present as a guaranteed-issue variant that can provide peace of mind to those with preexisting conditions or high-risk occupation. Under its coverage, Accidental Death Insurance pays death benefits only if the policyholder dies under the conditions of a covered accident. Exceptions include scenarios where the insured is seriously injured or disabled.

#2
Our Partner
9.5 / 10

At Haven Life, a distinction is drawn between life insurance without a medical exam, and its attendant drawbacks. While this company does offer guaranteed issue policies, they try to resolve the dissonance by offering an InstantTerm policy service, where medical questions are asked online, without a proper exam. With the answers to said questions, their algorithm can make an insurance assessment within seconds. Ideal candidates may be of any age, provided that the insured does not smoke cigarettes or suffer from chronic illness, high cholesterol, or poor blood pressure. 

#3
Our Partner
8.9 / 10

Mutual of Omaha has a more straightforward approach when it comes to life insurance without medical exams. Depending on one’s preference, it can be arranged either online or in-person. Honing in on the online experience, policies can be issued to those between the ages of 30 and 74, for a death benefit not exceeding $100,000. In lieu of a medical exam, the policyholder will only need to answer to brief series of questions within the application. The insured will also need to submit an MIB and pharmaceutical report in order to corroborate their medical claims, as well as for an underwriter to ascertain eligibility.   

#4
8.5 / 10

Unlike other life insurance providers, Globe Life operates exclusively within the sphere of no medical exams. Regardless of whether term life, whole life, or life insurance for children is being sought, no medical exam will ever be mandated. Instead, a small number of yes/no questions are administered. Globe Life’s financial coverage is customizable with benefits ranging between $5,000 and $100,000, for those as young as 18, and older than 64. 

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