Yes — and in 2026, you have more options than ever. Here's how no-exam policies work, what they cost, and who they're best for.
Yes, you can absolutely get life insurance without a medical exam. In fact, the no-exam market has exploded in recent years — driven by accelerated underwriting technology and a growing demand for faster, simpler coverage. Depending on your age, health, and how much coverage you need, you may be approved in as little as 10 minutes.
But "no exam" isn't one-size-fits-all. There are three distinct types, and choosing the right one can save you thousands of dollars over the life of your policy.
Uses data — prescription history, DMV records, medical databases — instead of an exam. Same rates as fully underwritten policies.
Coverage: Up to $3M+
Approval: Minutes to days
Health Qs: Yes
Best for: Healthy applicants who want speed
Short health questionnaire, no exam. Rates are 15–30% higher than fully underwritten. About 70% of applicants are approved.
Coverage: Up to $500K
Approval: Same day to 1 week
Health Qs: Yes (brief)
Best for: Minor health issues, quick coverage
No health questions, no exam, everyone approved. Highest premiums, lowest coverage. 2-year waiting period for full benefits.
Coverage: $5K–$50K
Approval: Immediate
Health Qs: None
Best for: Serious health conditions, prior denials
Here's what a healthy 40-year-old non-smoker might pay for a $250,000, 20-year term policy:
Rates are estimates. Guaranteed issue coverage is typically capped at $25K–$50K, not $250K. Figures shown for comparison purposes.
Can't take time off for a paramedical exam? Accelerated underwriting gets you covered from your phone in minutes.
Diabetes, high blood pressure, or cancer history? Simplified or guaranteed issue policies provide coverage others may deny. Learn more →
Many no-exam policies are designed specifically for ages 50–85. Final expense policies start at under $30/month. Learn more →
Closing on a house? New baby? Traditional underwriting takes 4–8 weeks. No-exam policies can be issued the same day.
It depends on the type. Accelerated underwriting costs about the same as traditional policies. Simplified issue costs 15–60% more. Guaranteed issue costs 2–3x more but accepts everyone regardless of health.
Yes, through accelerated underwriting. Some carriers offer up to $3 million+ with no exam for qualifying applicants. Simplified and guaranteed issue policies are limited to $500K and $50K respectively.
Guaranteed issue policies accept everyone — no health questions asked. We also work with carriers that specialize in high-risk cases and may offer better rates than guaranteed issue.