If you’ve ever delayed getting life insurance because of medical tests, doctor appointments, or paperwork — you’re not alone. The good news? In 2025, life insurance with no medical exam is easier to get than ever before. These policies are fast, affordable, and available to people with all kinds of health backgrounds.
In this guide, you’ll learn:
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✅ What “no medical exam” life insurance means
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💡 Who qualifies for it
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💰 How much it costs
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🏆 The best companies offering instant coverage
🩺 What Is Life Insurance with No Medical Exam?
“No exam” life insurance is exactly what it sounds like — a policy that doesn’t require blood work, urine samples, or doctor visits to apply. Instead, approval is based on your:
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Age
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Health history
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Lifestyle
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Prescription & driving records (soft checks)
🕒 Most policies are approved in minutes to 48 hours.
🎯 Who Should Consider No Medical Exam Life Insurance?
This type of insurance is perfect for:
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Busy professionals who want fast approval
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People who are afraid of needles or tests
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Those with mild health conditions
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Anyone who wants to avoid waiting weeks for approval
⚠️ If you have serious health issues, your premiums might be higher — but you can still qualify in many cases.
💵 How Much Does It Cost?
Pricing depends on your:
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Age
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Gender
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Smoking status
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Coverage amount
Here’s an example monthly premium for a $250,000 term policy with no exam:
| Age | Male (Non-Smoker) | Female (Non-Smoker) |
|---|---|---|
| 25 | $18–$24/month | $15–$21/month |
| 35 | $22–$29/month | $18–$25/month |
| 45 | $37–$50/month | $32–$45/month |
🏆 Top Life Insurance Companies with No Medical Exam (2025)
1. Bestow
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Coverage: $50,000 – $1.5 million
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Approval Time: Instant
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Term Lengths: 10 to 30 years
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Why It’s Great: 100% online. Fastest application on the market.
2. Haven Life (by MassMutual)
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Coverage: Up to $1 million
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Term Lengths: 10 to 30 years
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Approval Time: Within minutes
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Bonus: Offers rider benefits like digital wills and health services.
3. Ethos Life
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Coverage: $50,000 – $2 million
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Types: Term & Whole Life
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Why It’s Great: No agents, no pressure — and very beginner-friendly.
4. Fabric by Gerber Life
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Coverage: Up to $1.5 million
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Perks: Includes free will-building tools
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Target Audience: Young parents and families
5. Ladder
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Unique Feature: Adjust your coverage anytime
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Best For: People whose financial needs change
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Coverage: $100K to $3M
🚀 How to Apply (It’s Fast & Simple)
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Get a quote online in 2 minutes
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Answer basic questions (age, health, income)
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Get instant approval — no exam needed
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Start coverage the same day (in most cases)
✅ Pros and Cons of No Medical Exam Life Insurance
✔ Pros:
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No needles, labs, or exams
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Fast approval (often same day)
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Ideal for healthy people
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100% online application
❌ Cons:
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Higher cost for older applicants
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Lower coverage limits (compared to full exam policies)
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May not be ideal for serious health conditions
🧠 Final Thoughts
No medical exam life insurance is a game-changer — fast, easy, and perfect for busy people who want peace of mind. You don’t have to be in perfect health or spend weeks applying.
🎯 Want to protect your family’s future without the hassle?
👉 Click below to see if you qualify in 60 seconds.