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. Our goal is to help you find the right no exam life insurance for your needs. Since we are an independent agency, we can compare rates from all the top life insurance companies to find the best policy for you.


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.