Can You Get Life Insurance Without a Medical Exam?

Yes, you can get life insurance without a medical exam. Many companies now offer what’s called “no-exam life insurance,” and it’s becoming more popular, especially in 2025. This kind of policy doesn’t require you to get a blood test, urine sample, or visit a doctor. Instead, the company uses your answers to health questions, your prescription history, and other records to decide if you qualify.

No-exam life insurance is great for people who want fast coverage or don’t like going to the doctor. It’s also good for people who are in decent health and don’t want the stress of medical tests. Some policies can be approved in just one day or even in minutes.

But there are some trade-offs. The price is usually higher than regular life insurance that requires a full medical exam. That’s because the insurance company takes on more risk when they don’t check your full health. You might also get lower coverage amounts. Many no-exam plans offer $50,000 to $500,000, while fully underwritten plans can go much higher.

There are different types of no-exam policies. One is called simplified issue. It asks a few health questions but no tests. If your answers look good, you can get approved fast. Another type is guaranteed issue. This one doesn’t ask any health questions at all. Almost anyone can get it, but it costs more and offers smaller payouts. It’s often used by older people or those with serious health problems who can’t get other types of insurance.

Even though no-exam life insurance is easier to get, you still need to be honest on your application. If you lie about your health and the company finds out after you die, they might not pay the full benefit to your family.

This kind of insurance works well for people who want fast, simple coverage. If you don’t need a huge amount of insurance and don’t want to wait weeks for approval, it might be the right choice. Just be sure to compare plans and read the fine print so you know what you’re getting.

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