American National life insurance
Sagicor life insurance
Fidelity Life insurance
Assurity Life Insurance Company
Prudential life insurance

What is No Exam Life Insurance?

Simply put, no exam life insurance is life insurance issued without the medical examination of the applicant.

Typically, when you apply for life insurance, the carrier will require you to undergo a medical exam to get an idea of your overall health before offering you a policy. With no exam life insurance, you get to skip that step in the application process.

5 steps to apply for No Exam Life Insurance

Features of No Exam Life Insurance

Life insurance with no medical exam is faster, easier, and simpler than traditional life insurance. As a result, it has become one of the most popular types of life insurance. For example, business owners who need life insurance for SBA loans often choose a no exam policy for many of the reasons below. 

  • Very simple, online application process.
  • No medical exam required.
  • Some people can be approved in minutes.
  • Up to $2 million in coverage.

No exam policies are, however, usually slightly more expensive than a medically underwritten policy, and not everyone will qualify. No exam life insurance for seniors is available for elderly people who need coverage. You can also find life insurance for terminally ill people with no medical exam.

About No Physical Term Life

No Physical Term Life was founded by Heidi Mertlich.

She is an independent, licensed life insurance agent specializing in life insurance policies with no medical exam. Over the last decade, she has helped 1000’s of people find life insurance and is the author of most of the articles on this website.

In December 2020, Bennett Bier took over the business. As the new owner of No Physical Term Life, Bennett works directly with you to help you find the best life insurance policy for your needs. He is licensed to sell life insurance in all 50 states and helps over 10,000 families compare life insurance quotes each year.

Our goal is to help you find the right no exam life insurance for your needs. Since Bennett is an experienced, independent agent, he will compare rates from all the top life insurance companies to find the best policy for you.

How We Help You Find Life Insurance

We do not sell your information or direct you to a call center like many other life insurance websites. Instead, you will work with Bennett to find a policy.

If you fill out our quote form or call us, you will speak with Bennett directly.

I worked with Bennett Bier. He was helpful throughout, patiently guiding me through the process and answering my questions. Thanks to all of his help, I now have Life Insurance.

– Matthew S., Former Client
Bennett Bier - life insurance agent
Bennett Bier is the owner of No Physical Term Life. Fill out the quote tool to work directly with him.

Is No Exam Life Insurance Right for You?

This type of life insurance is not for everyone. Here are a few cases where life insurance with no medical exam makes sense.

  • You need life insurance coverage fast.
  • You’re afraid of needles or don’t like the medical exam process.
  • You have minor health issues.
  • You haven’t had a checkup with your doctor in 2 or more years.

You will want to compare the top no exam life insurance companies to find the best policy for you. Some people may only need a little coverage through life insurance with no health questions, while others might want $500,000 no exam life insurance.