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Whole life insurance no medical exam no waiting period

Looking for life insurance but don’t want to go through a medical exam? You’re not alone! Many people seek whole life insurance policies that don’t require a medical exam.


A few different life insurance policies don’t require a medical exam or have a brief waiting period. The most common type is called “simplified issue life insurance.” This type of policy is typically available to people ages 50-85 and does not require a medical exam. Instead, the insurer will ask you some basic health questions.

Another type of life insurance that doesn’t require a medical exam is “guaranteed issue life insurance.” This type of policy is typically available to people ages 40-85 and does not require a medical exam. However, it usually comes with a longer waiting period (usually two years) before the death benefit is paid out.

Finally, there is “term life insurance.” This policy requires a medical exam, but the waiting period is usually much shorter (usually just a few weeks). And because it’s term life insurance, the death benefit is only paid out if you die during the term of the policy (usually 20-30 years).

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Guaranteed acceptance life insurance no medical exam no waiting period

guaranteed life insurance no waiting periodGenerally, the best guaranteed life insurance plans have a waiting period before the benefits go into effect. The guaranteed issue of life insurance with no waiting period is highly uncommon. Most of these policies fully function after 2 to 3 years.

If the guaranteed life insurance policyholder were to pass before the waiting period was over, the beneficiary would not receive the death benefit. However, the insurance company might pay the beneficiary all the paid premiums back with interest.

The guaranteed life insurance waiting periods prevent end-of-life candidates from cashing into the death benefit too early. This would put a severe financial strain on most insurance companies.
Usually, you need to fall within the age requirements to access this type of plan. This depends on the company you are working with, but it’s usually between 50 and 80 years old.

The qualifications for guaranteed issue life insurance vary based on age and location. At ACoach B., you may be able to skip the medical exam, depending on your unique circumstances. We recommend chatting with an agent to see if this option is available.

Term life insurance no medical exam no waiting period

term life insurance no medical exam no waiting periodTerm life insurance without a medical exam is a hassle-free way to get coverage quickly. There’s no waiting period, the application is easy to fill out, and it may be easier to qualify. It could provide you with an option for getting coverage that you otherwise wouldn’t be able to obtain because you have pre-existing health conditions or work in a risky occupation (such as if you’re a firefighter, construction worker, racecar driver, etc.). However, choosing a policy that doesn’t require a medical exam may significantly increase your premium and limit your coverage.

No waiting period life insurance

no waiting period life insuranceWhether for funeral costs, or other expenses, a no waiting period life insurance policy with no waiting period pays out the full death benefit even if death occurs during the first two years.

Death can be from natural or accidental causes, and your beneficiaries will still receive the full death benefit.
Despite past health issues, most people qualify for a “first-day coverage” plan that doesn’t insure them only for accidental death.

It’s usually just a matter of searching until you find a life insurance company(s) that will accept all your health conditions and insure you for immediate coverage.

To qualify for final expense insurance with no waiting period, you must apply with a company where you answer health questions and are subsequently approved.

You don’t have to undergo a medical exam, but you will need to answer some medical questions.

Remember that no health questions life insurance plans always come with a two-three year waiting period (except for accidental death).

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500k life insurance no medical exam

500k life insurance no medical examA few options are available if you want a $500,000 life insurance policy without a medical exam. The first option is to go through an insurance broker. Insurance brokers have access to many different life insurance companies and can help you find the best policy for your needs.

The second option is to go directly to a life insurance company. Some life insurance companies, such as Assurity, offer no-medical-exam policies. However, comparing different life insurance companies before purchasing an approach is essential to ensure you get the best possible rate.

The third option is to use an online life insurance calculator. There are many different life insurance calculators available online, for example, at Coach B. These calculators will consider your age, health, and other factors to determine how much life insurance you need.

Best Whole life insurance no medical exam

best whole life insurance no medical examState farm life insurance without medical exam is precisely what it sounds like: Life insurance that does not require a life insurance medical exam.

The typical medical exam required by life insurance policies includes questions related to your health and medical history, followed by a piece of paramedical professional recording information like your blood pressure, weight and height. You will likely be asked to provide blood and urine specimens for testing. Depending on your age and health, you may be required to do some additional testing, such as an electrocardiogram (EKG).

No-exam life insurance, such as the policies we have rated above, is best suited for life insurance buyers who are in excellent health and younger (typically 50s and under). If your health or age disqualifies you from a no-exam policy, that doesn’t necessarily mean the company will turn you away. Instead, they might offer a more traditional underwriting process with a life insurance medical exam.

So if you apply for a metlife life insurance no medical exam, be prepared for the possibility that the company may want more details and an exam.

Cheapest life insurance no medical exam

cheapest life insurance no medical examNo medical exam life insurance policies are available for a term and whole life insurance. Still, the death benefits for whole life coverage are typically limited to $50,000 or less — that’s ten times less than the typical limit for term life benefits. If an insurer offers no medical exam coverage with a higher death benefit, it typically means that the medical exam depends on your responses to health questions.

If you don’t qualify for fully underwritten life insurance but need more than $50,000 in coverage, your best option is a no-medical exam term life policy. Term policies are also among the cheapest forms of no medical exam insurance. No medical exam policies offer term lengths up to 30 years and can typically be purchased until you turn 75, though some insurers restrict term lengths based on age.

When shopping for simplified issue term life insurance, you should ensure that a policy is described as “level term” or as having “guaranteed level premiums” for the term length.

These phrases mean that the term life insurance quotes you receive reflect the price you’ll pay for the entire policy length.

Some insurers offer a product called no medical exam term insurance where quotes are based on your age group (typically five years, such as 50-54). With these products, the term length is essentially just one year, and premiums increase each time you enter a new age group, meaning they become costly over 15 or 20 years.

Compare and buy life insurance

Nomedicalexam life insurance

No medical exam life insurance policies are a convenient way to get the coverage you need, with no waiting period. With this policy, premiums are fixed, and death benefit amounts are higher than term life insurance policies. Plus, you have the convenience of not having to take a medical exam, allowing faster approval times. No medical exam life insurance is ideal for those looking to get their coverage quickly and who may be in less than perfect health. 

Many of these policies also have the advantage of offering additional benefits such as a terminal illness rider, waiver of premium option, accidental death rider, and living benefits upon diagnosis of specific illnesses or conditions. This can provide you and your family with peace of mind knowing that your loved ones will be taken care of if something happens to you. No medical exam life insurance may also require fewer financial types disclosures and lower premiums than other life insurance policies, which helps keep your costs down.

Noexam application approval term lengths

Life insurance policies without medical exams offer fast application approval with term lengths that range from as little as two months to as long as 30 years. Additionally, these policies come with higher premium rates than term life insurance. Still, they also have the advantage of no waiting period on coverage and an option for living benefits such as chronic illness riders.

Whole life insurance with no medical exam and no waiting period provides lifetime coverage. Because premiums stay the same for the duration of the policy’s term, it is also known as permanent life insurance. One advantage of these policies is that, in many cases, they are guaranteed issues, which means you can apply without providing any health information or having to take a medical examination. Whole life offers greater financial flexibility because you can borrow against the accumulated cash value. There are many additional riders, such as disability income protection, that you can add to increase your policy’s financial benefits.

Term lengths available policy scored

Depending on the provider, applicants won’t be required to undergo a medical exam to qualify. With whole life insurance and no medical exam, policyholders can select a term length that’s right for them, with terms ranging from 2 months up to 30 years. As an added benefit, eligible policies may offer living benefits such as chronic illness riders.

Once the paperwork is complete, applicants can expect a decision from the insurance provider in just a few days. When policyholders have approved for their whole life no medical exam product, they’ll be scored according to their age and other factors such as previous health history and financial record. This score will determine the cost of premiums but will also affect the coverage a policyholder is eligible for.

Frequently Asked Questions

Can I get whole life insurance without a medical exam?

Yes, it is possible to get whole life insurance without a medical exam, also known as no-exam life insurance. These policies typically have a simplified underwriting process that relies on information such as your age, gender, and health history rather than requiring a physical exam. However, no-exam policies may have higher premiums than traditional whole life insurance policies requiring an exam. It's important to compare options and speak with a licensed insurance agent or advisor to find the right policy.

What type of life insurance has no waiting period?

Guaranteed issue life insurance has no waiting period. This means that as long as you meet the age requirements and agree to pay the premium, you can be covered by the policy immediately. However, remember that these policies often have lower coverage amounts and higher premiums than traditional life insurance policies.

When can I get life insurance without a medical exam?

If you need life insurance quickly and don't want to go through the hassle of a medical exam, you can opt for a no exam policy. These policies typically have higher premiums than traditional life insurance policies, but they can be a good option if you're in good health and need coverage fast. Remember that the coverage amounts can also be lower than with fully underwritten policies.

Meet the team

About Coach B.

After starting his financial career with Phoenix Home Life Insurance Company back in 1992, Scott decided he wanted to provide people with an easier and more enjoyable way to buy life insurance. That was the start of Coach B. Life Insurance, whose mission is to be transparent, honest, and helpful to customers — without ever bugging or pushing them.

In the years since then, he has worked tirelessly to improve the process of shopping for insurance. His goal is to make sure that everyone who comes to Coach B. — whether they end up buying a policy or not — has the best possible experience.

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