Many Americans who want life insurance are afraid of required medical exams and fear they will be denied. However, it's possible to get life insurance to provide financial support for your surviving family members regardless of whether you are in perfect health or not. Certain insurance companies offer no medical exam life insurance coverage.
The best no medical exam life insurance providers are reputable and have strong financial ratings as well as overall positive reviews. They also offer instant coverage with no long waiting periods, online quotes, and helpful customer service agents.
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The Best No Medical Exam Life Insurance Companies of 2022
- Best Overall: Globe Life
- Best for Living Benefits: American International Group, Inc. (AIG)
- Best for Veterans: Prudential Veterans' Group Life Insurance
- Best for Financial Strength: State Farm
- Best for Customer Service: Colonial Penn
Best Overall : Globe Life
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- AM Best Rating: A
- Plans: 3
- Issue Ages: Contact agent
With no waiting period, Globe Life offers customers full coverage the day they buy the policy and has the lowest monthly premium quoted. The company also has a high AM Best rating and offers the highest coverage amount for life insurance available with no medical exam required.
AM Best rating of A
Online quotes available
No waiting period
Not as well known as other companies
The company has an AM Best rating of A and an A+ rating from the Better Business Bureau.12 Globe Life has been providing insurance services since 1900. Today, more than four million customers have life insurance through the company. Combined with the company's low monthly premiums and the high coverage amounts with no medical exam, these factors make it a clear pick for best overall.
A Globe Life insurance policy has a range of coverage from $5,000 up to $100,000, and you have the option to add your children or other adults to your policy. Monthly premiums start at $3.49 per month, depending on the coverage options you select.
You can get a quote online by simply providing your personal information, including your sex, date of birth, and the state where you live. We ran a quote for a female in her mid-thirties; the monthly premiums are as follows:
- $3.98 for $5,000 in coverage
- $5.49 for $10,000 in coverage
- $8.51 for $20,000 in coverage
- $11.53 for $30,000 in coverage
- $17.58 for $50,000 in coverage
- $25.12 for $75,000 in coverage
- $32.69 for $100,000 in coverage
If you decide to buy a policy, you can purchase it online by completing the application process. You will need to share the personal information of your beneficiaries, answer some health questions, and provide a payment method.
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Best for Living Benefits : American International Group, Inc. (AIG)
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- AM Best Rating: A
- Plans: 8
- Issue Ages: Up to 80
Online quotes available
Offers different tiers of coverage
Life insurance calculator available
No health questions
Not available in New York and Maine
AIG was established in 1919 and, today, the global insurance company offers its services across 80 countries worldwide. AIG has an A rating from AM Best for financial strength and is our choice as best for living benefits.3
AIG's Guaranteed Issue Whole Life Insurance plan is specifically for people between 50 and 80 years old, offering coverage between $5,000 and $25,000.
You can get a quote online by inputting your personal information, the state you live in, and your sex. According to the quote we received, for a female in her late sixties living in California, with coverage of $25,000, the monthly premium is $121.60. Once you find a policy that fits your needs, you can fill out the online application or, if you prefer to contact an insurance agent, you can call the national toll-free number.
AIG adds a living benefits rider to all policies for no extra cost, making it stand out among the competition for its willingness to give policyholders a better life insurance product without charging more.
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Best for Veterans : Prudential Veterans' Group Life Insurance
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- AM Best Rating: A+
- Plans: 11
- Issue Ages: Contact agent
Offers coverage for active military service members and retired military veterans
There's no medical exam required for U.S. veterans, as long as you apply within 240 days of leaving active service
Online premium calculator available on the website
A+ rating from AM Best
Veterans must apply for VGLI within one year and 120 days of leaving active military duty to be eligible
Prudential was founded in 1875 and has offered life insurance coverage for hundreds of thousands of military veterans through VGLI, a program established by the Veteran's Insurance Act of 1974 and overseen by Prudential on behalf of the Department of Veterans Affairs.
A standout life insurance option for veterans, retired service members have one year and 120 days after leaving active military service to enroll in VGLI. As long as you apply within 240 days, there's no need to answer any no medical questions.
As long as premiums are paid, the VGLI program guarantees lifetime coverage regardless of any changes in your health or employment status.
A veteran who is 40 years old and looking for up to $200,000 in coverage can expect to pay $34 a month, $99.45 quarterly, $196.35 semi-annually, or $387.60 annually, based on Prudential's online premium calculator.
You can request an online quote on the Prudential VGLI website by creating an account with your personal information, Social Security number, and branch of service. If you'd prefer to speak with someone directly, you can call the company Monday through Friday between 8:00 a.m. and 5:00 p.m. ET.
It has no exclusions for mental health history for vulnerable vets, giving it the edge over other life insurers we reviewed.
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Best for Financial Strength : State Farm
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- AM Best Rating: A++
- Plans: 10
- Issue Ages: Up to 45 with no medical exam
Established in 1922
Online quotes available
AM Best A++ rating for financial strength and operational performance
Not available in MA, NY or WI
Insurance policies cannot be purchased immediately online
State Farm has been offering insurance services since 1922 and has issued more than 85 million policies to date, with seven million of these being life insurance policies. The company offers no medical exam term life insurance for individuals ages 16 to 45, with coverage available up to age 50 or up to 10 years after the issue date of the insurance policy (whichever age is later).
You can get a quote online directly on the company's website and will need to answer a few different questions about your height and weight, desired coverage amounts, date of birth, sex, and tobacco use. In addition, State Farm will ask you to assess your own health by choosing whether you consider yourself in fair, average, good, or excellent condition.
Policies can be underwritten in as little as 15 minutes when speaking with an agent to get an instant issue application processed. This is a superior timeline. You have the option to apply for insurance online, or you can send your quote to your local agent, and they will call you to finalize your application. With an A++ rating—the highest possible—from AM Best, it's clear why State Farm is the best selection for financial strength.4
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Best for Customer Service : Colonial Penn
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- AM Best Rating: A-
- Plans: 5
- Issue Ages: Up to 85
No health questions asked
Flexible payments options
Cancel your plan within 30 days for a full refund
Variable maximum benefit tends to be low
Colonial Penn was founded in 1968 and offers insurance services in every state except New York. If you are in New York, you can still get life insurance through the company, but the policy is underwritten by Bankers Life Insurance Company. The company also is licensed in the U.S. Virgin Islands and Washington, D.C. Colonial Penn has an A- rating from AM Best for financial strength.5
Business Wire. “AM Best Affirms Credit Ratings of CNO Financial Group, Inc. and Its Life/Health Subsidiaries,” Accessed September 11, 2021.
Colonial Penn offers five different life insurance plans, including the company's Guaranteed Acceptance Life Insurance plan, available for customers between the ages of 50 and 85, starting at $9.95 a month with up to $50,000 coverage.
The Permanent Whole Life Insurance plan, available for customers ages 40 to 75, guarantees premiums will stay the same throughout the entire coverage period. Renewable Term Life Insurance is available for customers ages 18 to 75 offered for a set period of time (10, 20, or 30 years); you will have the option to renew this policy until age 90.
To get a quote online, you will need to share some personal information, including your address, date of birth, sex, email address, and phone number, and then choose the kind of coverage you're looking for.
A quote we received for the company's Renewable Term Life Insurance plan for a male who is mid-30s in age costs $24.12 per month for $50,000 in coverage. If you prefer to speak with an agent directly, you can do so by calling the company's national hotline number.