Can You Get Life Insurance with No Medical Exam?

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Life insurance can help provide financial security to your loved ones when you’re no longer around. From paying for burial costs and replacing lost wages to leaving a legacy for the next generation, you might want a life insurance policy for several reasons.

However, the application process typically includes a medical exam, which can be challenging for some people. You may have a health condition that disqualifies you from traditional coverage or raises your premiums. Or you may simply want quick approval.

Fortunately, it is possible to get life insurance with no medical exam. Here’s what to know.

What Is No-Exam Life Insurance?

Insurance providers generally look at your age, family health history, and health conditions (among other factors) to assess your risk and decide whether to approve your application. They also use this information to calculate your premiums. As part of the underwriting process, insurers typically request a medical exam. It’s generally quick and similar to an annual physical, and the results help them determine your eligibility for coverage.

Guaranteed Acceptance Life Insurance

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Guaranteed acceptance life insurance without medical exams, health questions, or rate increases.


Life insurance with no medical exam allows you to skip this part of the application process. If you have trouble qualifying for traditional coverage, want to avoid high premiums due to health history, or prefer a noninvasive expedited process, this can be an appealing option.

Depending on the policy, you may also be able to lock in your premium rate and death benefit while building some cash value. You can typically withdraw or borrow against your cash value, though this could reduce your death benefit.

Benefits of Life Insurance with No Medical Exam

You might choose this type of coverage over traditional life insurance options for several reasons.

Quick Turnaround

With no-exam life insurance, you don’t have the long waiting period of traditional coverage. In fact, you may be approved in just a few hours or days.

Noninvasive and Hassle-Free

You don’t need to submit a lengthy application, have your blood drawn, or visit a medical professional.

Coverage Regardless of Health or Job

You can get coverage even if you have a health condition or a risky job that may prevent you from getting traditional life insurance. With no-exam policies like guaranteed acceptance life insurance, you can’t be turned down. Your premiums are locked in, and your coverage won’t be canceled even if your health changes.

No medical exam life insurance can give you a quick and noninvasive option to get coverage. However, you may have limited coverage, lower death benefits, and higher premiums.

Why You Might Want No-Exam Life Insurance

You might consider no-exam life insurance if:

  • You need coverage quickly and can’t wait for a lengthy approval process.
  • You have anxieties around visiting the doctor or prefer the convenience of applying for insurance without the time commitment.
  • You have a health condition or history of medical problems that could mean you’ll be denied coverage or face high premiums.
  • You’re an older adult who doesn’t need a lot of coverage but wants a death benefit that can help your beneficiaries pay for your final expenses.
  • You already have a policy (such as through your employer) but want additional coverage.

How to Apply for No-Exam Life Insurance

One of the biggest benefits of no-exam life insurance is that it’s quick and easy to get started and only takes a few steps:

  1. Review the coverage amounts and choose the option that works best for your needs.
  2. Set aside a few minutes to complete the online application.
  3. Confirm your approval (you’ll usually get approved quickly) and receive your policy.
  4. Accept the coverage and arrange to pay the first premium.

The entire process is significantly faster than traditional policies, which often have extensive questionnaires and long underwriting processes.

Get the Coverage You Need Today

Most life insurance companies require a medical exam, and you’ll need to wait for a certain amount of time before getting approved. However, with no medical exam life insurance, it’s easy to apply and get quick approval—with no invasive medical procedures needed.

If you’ve been researching life insurance but are worried you might get turned down for coverage due to health, life insurance with no medical exam may be right for you.

Can I Get Life Insurance Without a Medical Exam?

Yes, you can get life insurance without a medical exam. Learn how to qualify for Colonial Penn’s Guaranteed Acceptance Whole Life insurance with no medical exam.

Colonial Penn is here for you!

Colonial Penn has specialized in making life insurance simple and accessible by offering it directly to consumers since 1957. Click here to learn more.

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