Top No-Exam Life Insurers

When you want life insurance coverage, you must undergo medical examinations in normal circumstances. However, some insurers have skipped that process to offer what they refer to as ‘no-exam life insurance.’ If you want to skip these processes, you must ensure you’re purchasing from one of the top no-exam life insurers.

In this post, you’ll get to know the best companies that offer life insurance policies without medical exams. Remember that not all companies offer no-exam life insurance policies; hence, this article will guide you. Keep reading to learn more about the top no-exam life insurers.

Top No-Exam Life Insurers

Haven Life

Haven Life’s Haven Simple is a term life insurance policy that requires no medical exam. It provides coverage between $25,000 and $500,000 for five to twenty-year terms. You may be eligible if you are between 20 and 55 years old.

Haven provides a second-term insurance policy called Haven Term, for which online applications are accepted.

Haven Life policies are issued by MassMutual or, like Haven Simple, by C.M. Life Insurance Company, a MassMutual subsidiary.

State Farm

Instant Answers is the only State Farm life insurance policy that does not need a medical exam. This insurance gives up to $50,000 in coverage for a maximum of 10 years or until age 50. You also have the option to convert your term life insurance to a permanent policy.

State Farm offers same-day coverage, and customers who bundle multiple insurances can receive discounts. Also, State Farm is one of the few companies to receive AM Best’s highest rating. However, though a medical examination is not required, you must still fill out a health questionnaire and apply via an agent.

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Bestow stands apart since none of their term life candidates must pass a medical examination. As with any insurance carrier, however, there is a chance that coverage will be rejected. The application process takes place online. 

Complete the online application containing questions about your lifestyle and medical history. Provided approved, you can pay for and get your insurance documents on the same day.

Bestow provides coverage levels between $50,000 and $1,500,000 for 10, 15, 20, 25, or 30 years. You can’t customize your insurance with riders, and only persons under the age of 60 are eligible to apply. North American Company for Life and Health Insurance provides Bestow’s insurance and handles claims processing and payment.


AM Best gave AIG an A rating. They offer several policies; however, only their Guaranteed Issue Whole Life insurance does not require a medical exam. You may acquire a price for this permanent life insurance policy online. You may meet with an agent to complete the application.

Applicants between 50 and 80 years old can apply, and acceptance is guaranteed. In addition, you may choose from several riders, such as benefits for premature death, graded death, chronic disease, and terminal sickness.

A possible downside of AIG’s guaranteed issue of whole life insurance is the lower coverage amounts than comparable plans. Only between $5,000 and $25,000 in death benefits are offered. If you desire higher coverage, you must examine alternate choices, some of which may need a medical examination.


Nationwide offers term, total, universal, indexed universal, and variable universal insurance plans. However, there is only a single no-exam policy accessible. This permanent life insurance policy has a $50,000 maximum death benefit and no annual premium.

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Other Nationwide entire life insurance has a yearly premium of $60. There are currently no available riders to customize this insurance.

There are numerous prerequisites to qualify for this coverage. You must have a Nationwide-approved auto and homeowners insurance policy to be eligible. Therefore, it is likely that you will need to go elsewhere if you don’t have one of these plans from Nationwide.

Penn Mutual

Penn Mutual is the king of no-medical-examination, high-issue-age, and high-coverage life insurance. The company offers coverage of up to $7,500,000 to persons aged 64 and beyond. No other company gave over $1 million in no-medical-exam life insurance to a 64-year-old without a recent doctor’s statement (APS).

Penn Mutual has paid dividends on eligible contracts for 174 years. The company offers exceptionally affordable term plans for various age groups. Also, given its size, it has a very low proportion of customer complaints.

The Penn Mutual website has much to be desired, though. Not only are there no price estimations, but there is also very little information about the company’s products. Contact an agent to grasp your options and policy-specific features fully.

Pacific Life

Pacific Life has had the lowest amount of complaints related to its size during the previous three years. J.D. Power rates Pacific Life fourth out of twenty-one companies in client satisfaction.

For applicants up to age 50, the company gives up to $5 million in coverage without a medical exam. It also gives up to $3 million to those under age 60. Many companies that provide 60-year-olds coverage without a medical exam supply less than $3 million in coverage.

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The Pacific Life’s website is one with lots of information. Policy names, coverage information, and availability in your state are all displayed. This kind of transparency is uncommon in the life insurance industry. 

John Hancock

At age 60, John Hancock offers up to $3 million in life insurance coverage without a medical checkup. That is rather impressive. It stands out because most companies that offer quick underwriting for large death benefits have an upper age limit of 50. 

Due to its age limits, John Hancock is one of seniors’ best life insurance providers. According to the company, select individuals who submit their applications online through an agent are qualified for a quick decision.

John Hancock also provides policyholders with a unique wellness program. Customers can receive discounts on activity trackers and even life insurance premiums. Vitality GO is a free version of the service, whereas Vitality PLUS costs $2 each month.

However, note that John Hancock imposes supplementary costs for most eligible riders for living benefits. You can begin an application from the company’s site.

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