No Exam Life Insurance

Quick Tip: After quoting your coverage, and if you wish to purchase no exam life insurance, give us a call at 1-888-393-9003 and we will tell you which carriers offer no exam life insurance.

What exactly is no exam life insurance?

No exam life insurance means basically exactly that. The insurance carrier does not require a medical exam for you to be considered for coverage.

No matter if you want to purchase whole life insurance or term life insurance, typically their is an option to purchase without a medical exam.

What are advantages of purchasing no exam life insurance?

The traditional way of purchasing life insurance coverage typically involves a medical exam, blood testing and perhaps a resting EKG. This sometimes can take up to 4-6 weeks or longer to complete.

So, one of the primary reasons someone may opt for no exam life insurance is simply it is a much quicker turnaround on getting coverage completed.

You may be in need of getting coverage bound quickly due to other coverage has ended or perhaps you need coverage to use as collateral for a business loan.

Perhaps, like many people you aren’t particularly fond of needles, and thus would like to by-pass the blood testing. Or, maybe you have some medical history that you think might keep you from purchasing insurance. (Remember, you must still answer health questions about your medical history).

What are the disadvantages of purchasing no exam life insurance?

The number one disadvantage of purchasing no exam life insurance is that it typically costs more than coverage with a medical exam. From an insurance company’s point of view this only makes sense. Since you will not be going thru a typical medical exam, lab testing, etc. this presents the insurance carrier with some additional risk.

Another disadvantage of purchasing no exam life insurance is the amount of coverage is usually limited.

Most carriers will offer somewhere between $50,000 and $400,000.

If your need is for more coverage than the maximum available, then an exam or more information is usually required.

What else is required with no exam life insurance?

Most carriers that offer no exam insurance still do some underwriting of the policy. As mentioned, most will ask health questions. Many will order a MIB report to see if you have ever been declined or rated for coverage by another insurer.

The insurance company will also usually check your driving history by ordering a motor vehicle report.  One other report that is typically ordered is a pharmacy report. This is a database that collects all your prescription medications.

How many carries offer no exam life insurance?

Nowadays, there are several high quality affordable no exam life insurance carriers. Some of the companies that offer the best plans include:

  • Assurity Life 
  • Met Life 
  • Fidelity Life
  • Sagicor Life
  • Mutual of Omaha
  • Transamerica

Each carrier has their own strengths. Some even offer online applications to make the process even quicker. We would be happy to talk to you about the rates and benefits of each carrier.

Does no exam mean guaranteed issue coverage?

In most cases no. Most people that are looking for no exam coverage realize they will still have to be underwritten an approved for coverage. But, for small amounts of coverage, there are policies available that can be issued on a guaranteed issue, simplified issue or graded death benefit basis.

These particular types of policies are generally issued for individuals that have some high degree of medical history and cannot qualify under a traditional no exam life insurance policy.

These policies may have a death benefit that has a waiting period of up to two years before full death benefits would be paid. In addition, the cost of guaranteed issue policies is usually much higher than a traditional no exam life insurance policy.

Is a no exam life insurance policy right for me?

If you are between the ages of 18-65 and in relatively good health and do not want to wait to go thru the typical 4-6 weeks of underwriting before a policy is approved, then a no exam life insurance policy may be exactly what you are looking for.

If you need coverage quickly to close a loan or do not like needles, then again a no exam life insurance policy may be right for you.

If you only need a small amount of coverage up to $400,000 and want to lock in coverage quickly and don’t mind paying a bit more for coverage then a no exam life insurance policy might be right for you.

Remember, with a no exam life insurance policy you are paying for the convenience of not taking a medical exam.

If you are in the market for no exam life insurance please contact us at 1-888-393-9003 or and we would be glad to answer any of your questions.


For a FREE quote

Call, text, email or fill out our instant quote form:

Call: 678-207-8160
Text: 678-207-8160
Instant quote form: Click here

How can I help?

Mike Raines

I am an independent life insurance agent with over 30 years’ experience. I am an expert in finding coverage for those with past or current medical history such as heart disease, diabetes, post cancer, etc. I also specialize in those that participate in scuba diving, mountain climbing, private pilots, etc. I work with the best life insurance companies in the nation, such as Prudential, AIG, Protective Life, Transamerica to name a few. Each carrier has different opinions on rates and underwriting, and it is my job to match you with the best company. To do that, I need to ask you a few questions about your health and lifestyle to qualify you.

For a FREE quote, call, text or email:

Call: 678-207-8160

Text: 678-207-8160


Mailing Address:
3482 Keith Bridge Road Suite #125
Cumming, GA 30041


Mike and his team made the entire process from start to finish very seamless and also overcame the task with us being multiple states apart with ease. With the easy process and very competitive priced insurance for high risk athletes, you have no need to look anywhere else for coverage. Thanks to Mike and his team for all they did and I highly recommend them for your Special Risk Life Insurance needs.

- Tyler C. from Danville, VT.

Two Thumbs Up for Mike at Special Risk Term

- Yaniv from Troy, MO.

Mike did an outstanding job getting me my coverage. He went above and beyond answering all my questions. He always returned my calls immediately even on the weekends!!! I highly recommend him.

- Aileen from Woodstock, GA.

I tried several places before I came across Mike’s website. The insurance at these other places was either very expensive, or the company wouldn’t cover me because of my health history. Mike was able to find me a reasonably priced policy with a major insurer. He did a great job locating a policy that works well for me.

- Jeff from Hermon, ME.

Mike did an awesome job in finding affordable coverage for myself and my husband. Highly recommend his services.

- Shannon from Atlanta, GA.

Thank you very much, Mike, for all your help in this long process. I know it wasn’t easy, but I appreciate you not giving up on my application and helping provide peace of mind to me and my family.

- Craig S. from Savannah, Ga.

I contacted Mike for advice with life insurance. I had recently left a large firm (where I had life insurance coverage as part of compensation package) to start my own company.  Therefore I needed to self fund my life insurance.  Because of some past health issues I figured I may need to do extra tests to validate my current excellent health status and insurability.  Mike was great to work with, knowledgeable about how underwriters view things, how they will want lots of data from my doctors, and he explained the normal full battery of new tests and data as well as additional or special tests they might want based on my history.  He helped me through the valley to the other side of the life insured promised land for $500K term policy with a duration that meshes well with my retirement date/options and coverage for my family if needed. I highly recommend Mike with Special Risk Term.  He can help you too, so call or email today.

- Richard M. from Ann Arbor, MI

As someone with a past cancer diagnosis, finding life insurance had been a huge annoyance. Mike made it easy, and somehow found quotes that were significantly more affordable than what others gave me.

- Matthew from St. Louis, MO.

Mike and his team did an extra ordinary job of handling my life insurance situation.  I was unable to secure life insurance because I had cancer 17 years ago however Mike and his team navigated through the challenges to get me a 15 year policy at great monthly rates. Thank you Mike for all your work in in this challenging situation.

- Nathan S. from St. Paul, MN.

It’s not easy to find life insurance with a chronic condition such as crohn’s disease which is why I greatly appreciated having Mike on my team. Mike is responsive, patient, professional and indefatigable- all things you need when you’re looking for a competitive policy. Knowing my family will be taken care is not only a relief but a huge confidence boost and I’m thankful Mike works in the special risk insurance arena. I would absolutely work with him again. Thank you Mike!

- Bobby from Washington D.C.

We work with individuals across the nation to secure the best life insurance rates.

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