$100,000 Life Insurance With No Exam [5 Important Tips]

Shopping for life insurance is about as fun as a slow internet connection.

one hundred thousand 100000

But, here’s the truth – If you have loved ones who depend on you financially, chances are, you need life insurance.

The good news is that you can purchase life insurance and skip the medical exam.

In fact, there’s never been a better time to buy no exam (also known as non-med, no physical) life insurance.


Life insurance companies realize many of us have no interest in being poked with a needle. They are utilizing technology to:

  • Increase the number of life insurance products that don’t require a medical exam
  • Access databases to assess applications
  • Decrease the price of no exam life insurance
  • Issue no exam life insurance quickly

$100,000 of no exam life insurance might make complete sense for you. 

Let’s cover everything you need to know.

Table Of Contents

  1. No Exam
  2. $100,000
  3. Infographic
  5. Bottom Line
  6. Apply

No Exam Life Insurance 101

What exactly is no exam life insurance? Life insurance issued without the applicant participating in a medical exam.

While each life insurance carrier is different, here’s what you can generally expect when you buy no exam life insurance:

Electronic application

Collaborate with an independent agent to make sure you’ve found the best policy to fit your needs.

Phone interview

Expect about a 20 – 30 minute phone conversation. You will be asked about:

  1. Your birthdate, height/weight
  2. Your health history
  3. The health history of your immediate family members
  4. Lifestyle
  5. Occupation

Public database review

Underwriters (that’s who evaluates your application) will access public records:

  1. Motor Vehicle Report (MVR)
  2. Pharmacy history
  3. Medical Information Bureau (MIB) – a database of previous insurance applications

Application decision

Often, this happens quickly with no exam life insurance applications:

  1. Approved as applied – best case scenario. You are approved for life insurance.
  2. Further information is required – depending on the carrier, you may be asked to provide more details on your application.
    • Sometimes this happens if you have a medical condition that requires more description
  3. Declined as applied – your application has not been approved for the policy you applied for. Take heart though, there are plenty of life insurance options available.

Important – You will want to review the top-rated no physical life insurance companies before making a purchase.

Is $100,000 Of No Exam Life Insurance Right For Me?

$100,000 of no exam life insurance makes sense if:

  • It provides enough financial protection for your loved ones, should you pass away. When deciding how much coverage you want, calculate:
    • Your annual income
    • Mortgage
    • Debts (loans, credit cards)
    • Living expenses (utilities, bills, food)
    • Financial needs of your beneficiaries
    • Charitable giving
  • You have no interest in needles, nurses or liquid samples
  • You need life insurance issued quickly:

Infographic: 5 Important Tips About $100,000 No Exam Life Insurance

one hundred thousand 100000

*Underwriting processes and policy features subject to change

1. No Exam

Most importantly for many, you can skip the medical underwriting portion of a life insurance application when you purchase a no exam policy.

Here’s what you skip:

  • Meeting a paramedical examiner in person
  • Having your height and weight measured
  • Providing blood and urine samples
  • Getting blood pressure readings

2. Premiums

Recently, the price of a no exam life insurance policy, in many instances, has come down. Now, premiums (the amount you pay in exchange for life insurance) are often competitive with their medically underwritten counterparts.

Let’s compare costs:

Healthy 30 year old male, $100,000 term life insurance, for 20 years (example only):

No Exam –

one hundred thousand 100000

Medically Underwritten –

one hundred thousand 100000

Healthy 30 year old female, $100,000 term life insurance, for 20 years (example only):

No Exam –

one hundred thousand 100000

Medically Underwritten –

one hundred thousand 100000

Note SBLI uses a process called Accelerated Underwriting. A medical exam could be ordered, depending on your application answers (typically a health concern).

3. Riders

Sometimes overlooked, riders are an important aspect of your life insurance policy to consider.

What are riders?

Riders are provisions to your life insurance contract that provide additional benefits.

For example, consider some of the most common riders:

Accelerated Death Benefit

The option to accelerate a portion of your death benefit should qualifying medical needs arise

Wavier Of Premium

If a disability occurs, the ability to keep your policy in force without paying your premiums

Accidental Death Benefit

An additional amount paid should you die in a qualifying accident

Child Rider

In addition to covering your life, your child will have life insurance coverage under your policy

You’ll want to collaborate with an independent life insurance agent to help determine which, if any, life insurance riders are important to you.

Some carriers are the forefront of providing superior riders:

4. Health

Your health does not need to be perfect to qualify for a no exam life insurance policy for $100,000. In fact, some life insurance carriers are fairly lenient in their health class ratings for no exam policies for up to about $500,000.

Note: For a larger policy – such as million dollar no exam life insurance – underwriting is more strict.

In fact, sometimes it makes more sense to purchase a no exam policy instead of a medically underwritten policy if you have health issues.

Let’s take a look at some specifics:

  • Has it been more than two years since your last physical?
    • Underwriters will consider it a red flag if you haven’t had a recent checkup with your doctor.
    • It’s possible something will pop up in your lab work that you weren’t aware of (i.e. high cholesterol, elevated blood sugar). Your premiums could rise significantly if your lab results indicate areas of concern.
  • Do you have multiple health concerns?
    • No exam underwriting uses less scrutiny and your health rating may be better than if you went through a medical exam.

At the end of the day, individuals in excellent health will qualify for the lowest premium rates. However, many no exam carriers use health class rating systems that allow those in less than perfect health to qualify for competitive rates.

5. Fast

Your application turnaround time can be as fast as lightning. Some no exam carriers provide an instant decision, while others take a little longer. Yet, no exam life insurance typically shaves weeks off of your application processing.

It’s common for someone to need life insurance in a hurry. For example, you may need:

Sample $100,000 No Exam Quotes

$100,000 No Exam Term Life Insurance Quotes For Male 20 - 29 Years Old

Age10 Year Term15 Year Term20 Year Term30 Year Term
20 Year Old$9.29$9.50$9.92$12.96
21 Year Old$9.33$9.50$9.92$12.96
22 Year Old$9.36$9.50$9.92$12.96
23 Year Old$9.40$9.50$9.92$12.96
24 Year Old$9.41$9.50$9.92$12.96
25 Year Old$9.41$9.50$9.92$12.96
26 Year Old$9.41$9.50$9.92$12.96
27 Year Old$9.41$9.50$9.92$13.05
28 Year Old$9.41$9.50$9.92$13.14
29 Year Old$9.45$9.50$9.92$13.22

$100,000 No Exam Term Life Insurance Quotes For Female 20 - 29 Years Old

Age10 Year Term15 Year Term20 Year Term30 Year Term
20 Year Old$8.04$8.51$9.05$11.92
21 Year Old$8.04$8.51$9.05$11.92
22 Year Old$8.04$8.51$9.05$11.92
23 Year Old$8.04$8.51$9.05$11.92
24 Year Old$8.04$8.51$9.05$11.92
25 Year Old$8.04$8.51$9.05$11.92
26 Year Old$8.04$8.51$9.05$12.09
27 Year Old$8.06$8.51$9.05$12.27
28 Year Old$8.08$8.51$9.05$12.44
29 Year Old$8.08$8.51$9.14$12.62

$100,000 No Exam Term Life Insurance Quotes For Male 30 - 39 Years Old

Age10 Year Term15 Year Term20 Year Term30 Year Term
30 Year Old$9.45$9.50$9.92$13.31
31 Year Old$9.45$9.50$9.92$13.40
32 Year Old$9.45$9.50$9.92$13.57
33 Year Old$9.45$9.50$9.92$13.83
34 Year Old$9.45$9.50$9.92$14.18
35 Year Old$9.45$9.50$10.41$14.70
36 Year Old$10.02$10.11$11.21$16.50
37 Year Old$10.11$10.20$11.57$17.33
38 Year Old$10.29$10.48$11.94$18.42
39 Year Old$10.48$10.75$12.39$19.43

$100,000 No Exam Term Life Insurance Quotes For Female 30 - 39 Years Old

Age10 Year Term15 Year Term20 Year Term30 Year Term
30 Year Old$8.10$8.51$9.14$12.88
31 Year Old$8.10$8.51$9.14$13.05
32 Year Old$8.10$8.51$9.23$13.31
33 Year Old$8.10$8.59$9.23$13.57
34 Year Old$8.21$8.59$9.32$13.83
35 Year Old$8.22$8.68$9.50$14.18
36 Year Old$8.74$9.20$10.38$15.68
37 Year Old$8.92$9.56$10.75$16.23
38 Year Old$9.20$9.93$11.12$16.87
39 Year Old$9.56$10.29$11.66$17.51

$100,000 No Exam Term Life Insurance Quotes For Male 40 - 49 Years Old

Age10 Year Term15 Year Term20 Year Term30 Year Term
40 Year Old$10.75$11.30$12.67$20.52
41 Year Old$11.02$12.03$13.86$21.80
42 Year Old$11.39$12.85$14.86$23.36
43 Year Old$12.12$13.40$15.96$25.09
44 Year Old$12.94$14.40$17.24$26.59
45 Year Old$13.76$15.41$17.97$26.60
46 Year Old$14.59$16.41$19.15$28.62
47 Year Old$15.41$17.51$20.71$30.93
48 Year Old$16.23$18.61$21.89$33.51
49 Year Old $17.05$19.79$23.36$36.46

$100,000 No Exam Term Life Insurance Quotes For Female 40 - 49 Years Old

Age10 Year Term15 Year Term20 Year Term30 Year Term
40 Year Old$9.93$10.75$12.12$18.15
41 Year Old$10.48$11.21$12.67$18.70
42 Year Old$11.21$11.75$13.22$19.61
43 Year Old$11.85$12.30$13.86$20.62
44 Year Old$12.58$12.94$14.50$21.21
45 Year Old$13.22$13.58$15.32$21.25
46 Year Old$13.76$14.22$16.23$22.90
47 Year Old$14.31$14.95$17.14$24.63
48 Year Old$14.86$15.68$18.24$26.92
49 Year Old $15.32$16.41$19.06$29.29

$100,000 No Exam Term Life Insurance Quotes For Male 50 - 59 Years Old

Age10 Year Term15 Year Term20 Year Term25 Year Term
50 Year Old$17.88$21.07$24.63$39.78
51 Year Old$18.70$22.44$26.74$56.92
52 Year Old$19.61$23.90$28.84$61.63
53 Year Old$20.62$25.64$31.39$67.32
54 Year Old$21.80$27.47$34.13$72.99
55 Year Old$23.36$28.96$38.31$78.93
56 Year Old$25.27$31.15$43.15NA
57 Year Old$27.56$34.41$47.05NA
58 Year Old$30.12$38.02$52.84NA
59 Year Old $33.04$42.17$58.14NA

$100,000 No Exam Term Life Insurance Quotes For Female 50 - 59 Years Old

Age10 Year Term15 Year Term20 Year Term25 Year Term
50 Year Old$15.87$17.33$20.16$31.94
51 Year Old$16.41$18.33$21.62$44.37
52 Year Old$16.87$19.43$23.26$48.15
53 Year Old$17.33$19.88$24.80$52.02
54 Year Old$17.97$21.07$26.47$56.07
55 Year Old$18.97$22.53$28.32$60.30
56 Year Old$20.07$24.18$30.39NA
57 Year Old$21.25$25.18$32.03NA
58 Year Old$22.72$26.55$33.95NA
59 Year Old $24.63$28.74$37.15NA

$100,000 No Exam Term Life Insurance Quotes For Male 60 - 65 Years Old

Age10 Year Term15 Year Term20 Year Term
60 Year Old$36.14$47.63$64.34
61 Year Old$37.94$46.30$96.48
62 Year Old$41.77$51.43$104.58
63 Year Old$46.03$57.43$112.77
64 Year Old$50.73$64.04$125.55
65 Year Old$56.04$113.07$136.80

$100,000 No Exam Term Life Insurance Quotes For Female 60 - 65 Years Old

Age10 Year Term15 Year Term20 Year Term
60 Year Old$27.47$32.31$59.40
61 Year Old$28.46$36.38$65.85
62 Year Old$30.77$43.08$71.97
63 Year Old$40.21$50.99$78.44
64 Year Old$46.03$59.61$85.28
65 Year Old$51.86$74.91$92.47

Note – Quotes are monthly premiums. Quotes provided are for healthy individuals and are based on limited input. Quotes are for informational purposes only. Your rates may vary and will depend on the carrier’s life insurance underwriting procedures.

Bottom Line

$100,000 of no exam life insurance might be a perfect fit for you. Think about the following:

  1. What are the financial needs of my beneficiaries?
  2. Do I want to skip the medical exam – nurses, needles, and liquid samples?
  3. Would it be best to secure my life insurance quickly?

How To Apply

There are two things you need to do in order to secure the best policy you qualify for:

1. Collaborate with an independent agent (that’s us)

  • Here’s why: It’s important to not apply with a specific life insurance company. Why? Should something concerning show up on your application, such as a medical condition, that information could be available to other life insurance companies.
  • An independent agent is not held captive to a particular carrier. They have your best interest at heart and will do the shopping for you.

2. Prepare

  • Be ready to answer your phone interview questions.
  • By having your medical history, medications, occupation, and lifestyle information readily available, your application process is streamlined.

To get started, simply fill out an instant quote.