How Much Is A $100,000 Life Insurance Policy With No Exam In 2022?

Written By Licensed Agent Sa ElMarch 12, 2022

At the least, you know you need a $100,000 life insurance policy

However, trying to figure out how much is a $100,000 life insurance policy can get confusing fast.

But it doesn't have to be: 

100000 life insurance no exam

In this post we will go over some sample $100k life insurance quotes, discuss who needs over one hundred thousand dollars in life insurance and the best company to get a $100,000 life insurance policy from with no exam,

How Much Does A $100,000 Life Insurance Policy Cost?

A $100,000 life insurance policy costs around $9.25 for a 36 year old woman in excellent health looking at a 10 year term and $11.08 per month for a male in excellent health looking for the same coverage. The term length you choose and your current health can also affect your rates.

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The final insurance policy premium for any policy is determined by the underwriting insurance company following the application.

If you checked out some quotes, I bet you are shocked at how affordable a $100,000 life insurance policy can be, especially the 30 year term option!

Who Needs $100,000 In Life Insurance?

Single young adults with no kids, single parents with newborn babies, and freelancers are just a few people who might need a $100,000 life insurance policy.  We break down a few others below: 

Single Young Adult With No Kids

I am going to be brutally honest here, young adults without kids are some of the most unreasonable people when it comes to life insurance. They assume that they don't need coverage because they don't have any dependents. However, they often fail to realize that someone will have to pay to bury them. There are too many profiles on GoFundMe of young people who have passed away without coverage.

Single Parents With Newborn Babies

If you are a single parent and just had a baby, it is essential that you have life insurance. You are the last line of defense for your child and the one who is primarily responsible for their well being. $100 000 might seem a bit low, but if you pass away unexpectedly, you don't want to leave your kids in a financial bind. $100,000 in coverage should be more than enough to cover your new baby if someone else has to take them in.

Freelancer

As a freelancer, we are responsible for everything, and without us, no money comes in. We are the most vulnerable when it comes to needing life insurance because the buck literally stops with us.
If we pass away unexpectedly, our families income goes to $0, and they would be left in financial ruin. Purchasing 100k in life insurance with no medical exam is probably one of the best moves you will be able to make. It would cover any initial expenses needed to cover your burial and keep your family financially sound until they figure out their next moves.

Someone Purchasing An RV

The average price of an RV in the United States is around $100,000. This means that you want to make sure your family has enough to pay off your Rv loan, especially if you use it as your primary residence. If you have just purchased a motor home, you want to be looking at a 100,000 dollar 30 year term life insurance policy. These policies are great for RV'ers because you don't have to take an exam. After 30 years your loan should be gone, and you won't need as much coverage.

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What A 100000 Life Insurance Policy Can Cover?

If you were wondering what things your life insurance policy would cover, we have listed some below:

  • Funeral
  • Mortgage
  • Credit Card Bills
  • Living Expenses
  • Final Expenses
  • Grief Counseling
  • Debt
  • Vehicle Payment
  • Insurance Policies
  • Child's Daycare
  • Kids College Books

This is just a short list, but there are an unlimited amount of things that someone can pay for with a $100,000 lump sum policy.

We even asked over 30 personal finance experts how surviving spouses should invest their life insurance proceeds.  

Just be sure to leave the money to someone responsible.

The Best Company For No Exam $100k Life Insurance

While there are some excellent no exam life insurance companies to choose from, we haven't found any better than Bestow.  However, Haven Life, and Fabric also have essentially mastered the process of a $100,000 no exam life insurance policy. We give a quick overview of them below:

bestow logo

Available For Ages:

18 to 60 Years Old

Coverage Amounts:

$50,000 to $1,500,000

20 Year $250,000 Quote:
$17.50/month

Check out our Bestow life review

haven life logo large

Available For Ages:

18 to 65 Years Old

Coverage Amounts:

$50,000 to $3,000,000

20 Year $250,000 Quote:

$18.90/month

Check out our Haven life review

fabric life new logo

Available For Ages:

21 to 60 Years Old

Coverage Amounts:

$100,000 to $1,000,000

20 Year $250,000 Quote:

$20.39/month

Check out our Fabric life review

Again, if we had to choose out of the 3 we would go with Bestow, this is because they can cover you faster than any product on the market.  

You can go from quote to covered in under 5 minutes and there is absolutely no exam.  Want to learn more about them? Check out our full Bestow life insurance review.

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How To Get Covered For A $100,000 Life Insurance Policy Today?

The best way to get covered for a 100000 dollar life insurance policy is to click on any of the buttons, use our quote tool, or get free and instant quotes and apply for coverage right now through Bestow.

With the ability to get instant coverage there is no reason to wait around for life insurance coverage, it's always most important to protect your family's financial future.

Frequently Asked Questions


How much does 100k life insurance cost?

A $100,000 life insurance policy costs around $9.25 for a 36 year old woman in excellent health looking at a 10 year term and $11.08 per month for a male in excellent health looking for the same coverage. The term length you choose and your current health can also affect your rates.

What is the highest amount of life insurance you can get?

The highest amount of life insurance you can get is up to 30 times your annual income. Each insurance company will have its limits. However, if you are looking for a no-exam policy, the most you can get is $1.5 Million in life insurance.

At what age should you get life insurance?

You should get life insurance in your 20s or 30s if you want to lock in the lowest monthly premiums for the most extended period. As with several insurance products, the younger you are when you buy, the lower the rates.

What happens if you outlive your term life insurance?

If you outlive your term life insurance policy, you will need to purchase new coverage or convert your policy into a whole life policy before it ends. If you pass away even one day after your policy ends, the insurance company won't pay the death benefit.


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