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Best No Medical Exam Life Insurance (2020 update).

simplified issue life insurance companies

In this article we wanted to take a moment and list the companies that we feel are currently offering some of the Best No Medical Exam Life Insurance Policies in the industry today.

But unlike…

Many of the other “Top 10 Best No Medical Exam Life Insurance” articles you’re going to see out there, we wanted to add a little bit of “context” to our article.

This way you’ll be able to gain a better understanding of how these “types” of life insurance policies work and when it might actually be better for someone to decide to apply for a life insurance policy that WILL require one to take a medical exam.


While we here at IBUSA are huge fans of many of the companies and policies listed below, we understand that because any life insurance policy that DOESN’T require one to take a medical exam and perhaps doesn’t allow a life insurance underwriter to review one’s medical records prior to making his or her decision about your life insurance application isn’t always going to be the “best” option for everyone.


For someone who may have been diagnosed with some type of “serious” pre-existing medical condition in the past but is now being well managed or has been completely cured.

 You see…

Sometimes, folks think that because a life insurance company isn’t going to require one to take a medical exam that they (the life insurance company) aren’t going to be able to discover that an individual may be ill or may have been previously diagnosed with some type of pre-existing medical condition that could potentially affect the outcome of their life insurance application.

But the simple truth…

Of the matter is that nowadays, many life insurance companies have learned that they can get a pretty good idea about the health of an individual utilizing other “sources” of information and don’t need to rely on a costly medical exam to provide them with the answers that they’ll need in order to make an informed decision about your life insurance application.

Other sources including:

  • A life insurance application questionnaire.
  • A prescription database check.
  • Access to any previous life insurance application decisions made by other insurance companies.
  • A criminal background report.
  • One’s work history.

And sometimes an actual credit check.

This is why…

We here at IBUSA like to first ask all of our clients a series of questions that are designed to help us determine which “type” of life insurance policy might be the “best” for you and then provide you with a list of companies that we feel will give you the best opportunity for success.

And because…

We are huge proponents of many different No Medical Exam Life Insurance options, we always like to include one or two of these “types” of policies in the choices that we give our clients even if they aren’t always the lowest cost option available.

We should also…

Point out that because every individual is unique, knowing “which” life insurance company is going to be the Best for you simply isn’t possible without first understanding what you hope to achieve by purchasing a life policy and what “unique” characteristics you bring to the table.

This is why we have chose to list the following companies in ALPHABETICAL order and warn you that if you choose to give us a call after reading this article, don’t be surprised if one of our agents recommends a company not listed below because these 10 represent just a few of the company that we work with so it’s completely possible that the “best” life insurance company for you isn’t one that we’ve currently chosen to list below.

Top 10 Best No Exam Life Insurance Companies

Technology is changing the landscape of many different markets. Thanks to Big Data, companies can access a ton of data on just about everyone. Unless you are living off the grid, there are countless records out there detailing everything from your purchasing habits, to your prescription drug use, your driving record, and your medical information.

  1. American Amicable
  2. American National
  3. Assurity
  4. Fidelity Life
  5. Foresters
  6. Gerber
  7. Mutual of Omaha
  8. North American Company
  9. Principal Financial Group
  10. Transamerica

What is a “No medical exam life insurance policy”?

Unlike fully underwritten term and whole life insurance policies which require a medical exam and medical history check via the Medical Information Bureau (MIB), no medical exam life insurance policies do not require a paramedical exam, blood draw, or urine sample.

Are all no medical exam life insurance policies the same?

No. That’s why it’s important to explore all your options and see what various life insurance companies will offer you.


American Amicable

A.M. Best Rating: A

American Amicable’s no medical exam policy is known as Term Made Simple. This is a no physical exam required policy that comes with some unique life insurance riders, such as a terminal illness and chronic illness rider.

Term Made Simple plan highlights:

  • Eligibility: 18-65 years old; 75 for a 10 year term
  • Blood work required: No
  • Physical Exam: No
  • Policy Term Lengths: 10, 15, 20 and 30 years

For more, please visit our review of American Amicable.



American National

A.M. Best Rating: A

This is a great life insurance company for no medical exam life insurance coverage. They have multiple options including:

  • ANICO Signature Term
  • ANICO Executive Universal Life
  • Signature Indexed Universal Life
  • Affinity 7 NQ Whole Life

Each policy is different, but you can find:

  • Eligibility: up to 80 years old
  • Simplified Issue Coverage: Up to $250,000
  • Approval: Less than 72 hours

For more, please visit our review of American National.




A.M. Best Rating: A-

Assurity offers both simplified issue term life insurance and simplified issue whole life insurance. Available for ages 18 – 65, Assurity is sure to be a competitive option for anyone who wants coverage but does not want to take an exam. The death benefit for simplified issue term life goes up to $350,000. The company’s critical illness rider is an additional option that needs to be considered.

For more information, please visit our Assurity life insurance review.



Fidelity Life

A.M. Best Rating: B++

Rapid Decision Express:

  • Term Length: 10, 15, 20, and 30 years
  • Ages 18-65, renewable to age 95
  • Non Medical Underwriting: No urine sample, No blood draw, No attending physicians statement
  • Approval time in days, not months

For more, please visit our review of Fidelity Life.


Foresters Financial

A.M. Best Rating: A

Foresters is one life insurance company you have to look into if you want a life insurance without a medical exam. They have a great rating and a range of products for life insurance no physical exam policies.

PlanRight Whole Life Insurance: this policy offered by Foresters is a simplified issue whole life insurance policy.

  • Fixed Death Benefit
  • Graded Death Benefit
  • Modified Death Benefit

For more, please visit our review of Foresters.




Gerber Life Insurance

A.M. Best Rating: A

The people who make such popular baby food also provide guaranteed issue life insurance! Sounds funny, but the truth is that Gerber Life Insurance has a great final expense life insurance plan. They have fairly affordable rates and a great name in the industry.

  • Coverage: up to $25,000
  • No Health Questions
  • No Medical Exam
  • Guaranteed Issue
  • Ages 50-85

For more, please visit our review of Gerber Life Insurance.


Mutual of Omaha

A.M. Best Rating: A+

Also referred to as United of Omaha, this life insurance company has a life insurance policy without an exam that will be great for not just covering your burial expenses, but also to give your family members the cushion they’ll need to cover your final expenses.

Living Promise Whole Life

  • No exam whole life insurance
  • Minimum Coverage: $2,000 no exam life insurance
  • Maximum Coverage: Up to $40,000
  • Eligibility: 45-85 years old

Term Life Express

  • 10, 15, 20 and 30 year terms
  • $25,000-$400,000 face amounts available.
  • Return of Premium option available.
  • Renewable to age 100.

For more, please visit our review of Mutual of Omaha.


North American Company

A.M. Best Rating: A+

North American Company offers a simplified issue term life insurance policy called LifeVue Simplified Issue. The policy does require you to answer a few questions related to your health and lifestyle choices but you will not have to take a medical exam or any blood tests. North American Company also offers multiple underwriting classes depending on your answers.

LifeVue Simplified Issue

  • Eligibility: 18-50 years old
  • Available in 15, 20 and 30 year terms.
  • Coverage: up to $500,000
  • Accelerated Death Benefit
  • No physical exam required
  • Multiple Underwriting Classes:
    • Super Preferred
    • Preferred
    • Standard
    • Substandard
    • Preferred Tobacco
    • Standard Tobacco
    • Substandard Tobacco

For more, please visit our review of North American Company for Life and Health.



Principal Financial Group

A.M. Best Rating: A+

Principal Financial Group is another great option for anyone looking for a life insurance policy with no medical exam. They have one of the highest death benefits for this kind of simplified issue life insurance with up to $1,000,000 no exam life insurance available.

You will have to give some information during an application and interview process. The insurance company will use that information to decide if you are eligible for life insurance no exam. About 50-60% of applicants will not have to take a medical exam.

  • Accelerated Underwriting
  • Approvals in as quick as 48 hours
  • No exam life insurance up to $1,000,000
  • Term Length: 10,15, 20 or 30 year term life insurance

For more, please visit our review of Principal Financial Group.




A.M. Best Rating: A+

Transamerica is another great option for anyone who would like to get a life insurance policy without a medical exam. They are known for their outstanding customer service and innovative products, including many simplified issue policies.

  • Life insurance riders
    • critical illness
    • chronic illness
    • terminal illness
    • disability
  • $25,000 no physical exam life insurance up to $249,999
  • Term Length: 10, 15, 20 or 30 year

For more, please visit our review of Transamerica.

Honorable Mentions

At any given time one of the following companies may offer the best no exam life insurance for you. Ultimately, it all comes down to your specific need and aligning you with the right company to meet that need.


A.M. Best rating: A

Assurity offers many life insurance with no physical exam options, including term life and simplified issue whole life insurance.

Lifescape NonMed Term 350: Assurity’s no med term life which includes the following features:

  • Available for ages 18 to 65.
  • $50,000 up to $350,000 in coverage.
  • Terms available: 10, 15, 20 and 30 years

For more, please visit our review of Assurity.

Phoenix Life

A.M. Best Rating: B

Safe Harbor Term Life Express

  • Ages 18-80
  • $25,000 Simplified Issue Life Insurance up to $400,000
  • 10, 15, 20 and 30 year terms available
  • Accelerated Benefit Riders (where available):
    • Critical Illness
    • Chronic Illness
    • Terminal Illness
    • Unemployment waiver of premium rider
  • Conversion Option

For more, please visit our review of Phoenix Life.


Sagicor Life

A.M. Best Rating: A-

Sagicor offers Accelewriting for term, universal and whole life insurance.

Sage Term

  • Simplified issue term life insurance
  • $25,000 to $500,000
  • 10, 15 and 20 year terms
  • Ages 18-65
  • Accelerated Benefit Insurance Rider
  • Conversion Option

Sage Universal Life

  • Simplified issue universal life insurance
  • $25,000 to $400,000
  • Ages 16-65
  • Accelerated Benefit Insurance Rider
  • Built in Lapse Protection

Sage Whole Life

  • Simplified issue whole life insurance
  • Ages 16-65
  • Accelerated Benefit Insurance Rider
  • $25,000 – $250,000
  • Guaranteed Level Premiums

For more, please visit our review of Sagicor Life Insurance.

And there you have it…

These are our top 10 no exam life insurance companies for 20. We know there are other life insurance companies that offer no physical exam life insurance – another company may be right for you and your needs.

The best way to know which life insurance company has the right policy for you is to speak with an expert in the no exam life insurance marketplace.

At InsuranceBrokersUSA we work with dozens of the best life insurance companies in the United States, many of which offer life insurance with no medical exam required. As an independent life insurance broker, our aim is to help you find the one that works with your budget and overall needs.

We have no vested interest in pushing one life insurance company over another. This allows us to help find the best life insurance company for you based on your need, rather than based on who offers the most incentives.

Have a comment or question relating to no exam life insurance? Please leave any feedback below. We would love to hear form you!

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