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No Medical Life Insurance Quotes & Coverage In Under 5 Minutes

Get affordable term quotes with no physical exam and apply online for instant coverage, no need for an agent.

  • Up To $1,000,000 In No Physical Exam Coverage
  • ​Get An instant approval in 5 minutes
  • NO Exam, No Blood Tests & NO Waiting Period
  • Secure and Simple online Application
  • Ages 18 - 80 Can Apply
  • 30 Day Money Back Guarantee

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Best No Exam Life Insurance Quick Facts


Non-med life coverage gives you the ability to get covered super fast at very affordable rates.  You no longer have to wait 30 days for an answer and can get an instant approval.


Monthly premiums are slightly higher since the insurance company is going to give you instant life insurance with no exam. We do a premium comparison below. 

​Who Is It For

​Buying life insurance without a medical exam is best ​for people who don’t want to deal with ​a medical exam or long waiting periods and who are in ​good health.

Our service is free, so how do we make a living?

We’re a licensed insurance agency, so we get paid either commission or advertising fees by the insurance companies for each referral or sale.

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of our insurance products, just ask us. We’ll be happy to tell you.

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​Why Use Us?​

  • Get an instant no physical exam insurance quote comparison online.
  • Your personal information isn't needed to get term life insurance quotes with no exam. 
  • There is no need to wait three months to get an approval, find out today.
  • No need to deal with an agent and miss out on no physical life insurance savings.

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​So, What Is ​No Exam Life Insurance​?

As we like to say, "In Plain English," It's simply, life insurance that doesn't require a medical exam and has no waiting period for approval.  As the name implies, no medical exam life insurance gives you the same benefits of a traditional life insurance policy, all without an exam.  You can choose coverage options from 2 years up to 20 years and coverage amounts from $50,000 to $1,000,000.

How Does No Physical Life Insurance Work?

Unlike traditional life insurance that will require an exam, getting approved for a term life policy without a physical is going to be fast.

Since you will not be required to do an exam, you will get only one of two answers:

​Approved: You have been medically approved for the policy and can pay for it for immediate coverage.

Declined: You have not been medically approved ​for the policy and have to find coverage though ​another company.​

But here's the thing:"No Physical" doesn't mean "No Underwriting", you are still going to go through a real-time  underwriting that will include:

  • MIB Check - This is going to check to see if you have any history with past insurance companies or have applied for coverage recently. 
  • ​​MVR Check - This will be used to determine if you are a reckless or crazy driver.  Mainly looking for things like a DUI or DWI.
  • ​Prescription Check - This check will be used to make sure your statements match the prescriptions you take.

​​​These reports are used together to determine your ​insurability based on the guidelines given to the insurance company for what risk is acceptable and what risk isn't.​​

The no physical exam product that we have does this in "Real Time", so while you are completing your application it is running the checks in the background.

By the time you complete the application you will already have an answer on if you have been approved or not.

It costs you nothing but 5 minutes to find out if you have been approved and you decide if you want to purchase the policy after you get an answer.

How ​Long Does It take to get covered?

The best thing about the no medical exam life insurance policy we are offering is that you can have coverage in as little as 5 minutes.  

This is completely 100% different from what traditional life insurance policies can offer because of real-time underwriting.

Even though the time for approval with policies that require an exam have become much lower it is still is no where near as fast as 5 minutes for an approval.

What Type Of No Exam Insurance Quotes Do You Offer?

Simply Insurance offers a wide variety of affordable life quotes online that won't require an exam. 

  • ​10 Year Term
  • ​20 Ye​ar Term
  • 25 Year Term
  • 30 Year Term

Real Time Underwriting For No Exam Term Life Insurance 

Real time underwriting, also known as accelerated underwriting, is a new process that gives the insurance company the ability to determine your insurability while you are completing  your life insurance application. 

This means there are two types of no medical exam life insurance, Simplified Issue and No Exam, luckily for us, we have a product that is both.

It does this by accessing some of your information through a few databases such as  your Motor Vehicle Report, your Prescription Drug Report, and your MIB report. 

As you answer your questions on your application, the information is matched against the above reports and a final decision is made by the time you complete the application; there is no life insurance underwriting process that is faster.

Simplified Issue Life has unlocked a whole new type of sub industry inside the life insurance space by mixing tech with life insurance, so if you have been holding off on life insurance because of the long process, or you are dealing with life insurance and divorce, then this is the best product for you. 

It really is simple enough not to need any widgets or a life insurance calculator to make an informed purchasing decision and guess what, you don't need a checking account or savings account to purchase coverage, you can use your credit card.

The only thing about this policy is that it currently doesn't have any living benefits attached to it, but that could change very soon.

The 2 year term life insurance no medical exam option is very new 

It was created to give people the ability to purchase fast and affordable life insurance without hassle for:

  • ​​Freelancers, Entrepreneurs or ​Side Hustlers
  • ​College Students
  • ​Procrastinators That End Up Not Taking Action
  • ​​​Stay At Home ​Parents
  • Young Adults That Need Life Insurance
no exam life insurance

What Does No Medical Life Insurance Cover?

Like a traditional term life insurance policy, a no physical exam life policy covers the same thing and the payout is another form of a lump sum payment, once it's paid out to your beneficiary they can use it to pay for anything.

This makes our company one of the best no medical exam life insurance companies. 

Here is a list of a few things you can do with a life insurance payout:

  • ​​Pay Off Your Mortgage
  • ​​Get rid of your car note
  • ​​Clear credit card debt
  • ​Cover Kids College Expenses
  • ​Pay Taxes
  • ​Pay Daily Living Expenses
  • ​Use As Income Replacement
  • ​Invest (Here are 30+ Ways To Invest)
  • ​Cover Child Care Expenses
  • ​Pay final expenses of the insured

The Biggest Myth About The Cost Of Life Insurance Without A Physical Exam  

The biggest myth about the cost of life insurance is that it's too expensive.  

A recent study from LIMRA found that 63% of people said they wouldn't get life insurance coverage because of its cost.

However, the same study found that ​life insurance policy quotes are 80% than what people thought they were.  

Don't hold back, it is more affordable to buy term life insurance online with no exam than you think.

Some people also think that universal life insurance is more affordable than non medical term insurance plans, but this isn't the truth either.

Didn't think you could get cheap term life unless you took an exam? Guess Again

How Much Life Insurance Do You Need?

Most insurance companies allow you to purchase up to 30x your annual income, but we recommend that you have at the least 10x your annual income in any type of life insurance.

So if you make $50,000 / year, a policy for $500,000 would be our suggestion. 

You can use our life insurance calculator to figure out how much coverage you might need.

Just remember to buy life insurance that you can afford.

If the no medical life insurance premium of 10x your annual income is too expensive for you, go down to 5x your income, just make sure you can cover your beneficiaries life insurance needs.

When you are looking at any of our no medical life insurance quotes you can always start off with the lowest term length for the maximum amount of coverage.

No Medical​​​​ Exam vs a Traditional Life Insurance Policy

There are two types of term life insurance, Exam and Non medical term life insurance.  From our experience, a life insurance policy that doesn't require an exam will always be a bit more expensive than traditional term life insurance rates.  

This trend is changing; however, in some cases the product that doesn't require a physical checkup is more affordable than the traditional product.  

Below are real life examples of the premium differences between the two products:

Traditional Life Insurance
(Life Insurance With Medical Exam)

Gender: Male
Age: 33
Health Rate: Preferred 
Smoker: No 
Length of Coverage: 20 Years 
Coverage Amount: $250,000 

Monthly Life Insurance Rate: $14.05

No Physical Life Insurance
(Life Insurance Without Medical Exam)

Gender: Male
Age: 33
Health Rate: Preferred 
Smoker: No 
Length of Coverage: 20 Years 
Coverage Amount: $250,000 

Monthly Life Insurance Rate: $16.00

Can I Get Cheap life Insurance Without An Exam? 

You might not be aware of this but it is very easy to find cheap life insurance with no medical exam now days. 

This is because more and more resources are being put into obtaining real-time data. 

This easy access to data is cutting wait times for information by well more than half which is freeing up more money and savings on the insurance companies end.

This savings is passed over to you as the customer in much more affordable no exam rates. 

If you take a look at the above it is easy to see that rates are continuing to decrease and the speed of coverage is increasing.

Don't fool yourself into thinking if you get life insurance and don't have to take a physical that your rates will be expensive; they are probably going to be cheaper than you imagined.

Can I get Term life online With No Exam? 

If you are looking to shop for life insurance that doesn't require you to see a doctor, online, then you have come to right place.

We have made it easy to apply for life insurance online with no medical exam through some of the most technologically innovative insurance carriers and companies in the nation.

Our partners make buying a policy without an exam, incredibly easy and affordable with instant online term life quotes and instant approvals.

​You won't find another product and company that will make your insurance coverage a priority.

With our non-medical term life plan you can get covered super fast and spend more time on other things you care about.

Don't be shy, get some life insurance no medical exam quotes today to get covered for your loved ones with our A rated Carriers through AM Best without agents calling you.

No Medical Exam Term Life Insurance Companies In More Detail

Canada protection plan

About Canada Protection Plan

Canada Protection Plan, known as CPP is backed by Foresters Life Insurance Company.

Foresters has been around for over 140 years and as of today Foresters holds an A (Excellent) rating with A. M. Best.

CPP is known for their no exam and simplified issue life insurance products in Canada. 

Their primary goal is quick applications with a ton of benefits included.

Product Features

  • Available for ages 18 through 80
  • Coverage amounts from $50,000 to $1,000,000
  • No physical exam life insurance
  • Tobacco & Non Tobacco Rates
  • E-Signature & Simple Application Process
  • No Waiting Period
  • Accelerated Underwriting

Riders & Options

  • Accidental Death Benefit (Optional)
  • Child Term Benefit (Optional)
  • Hospital Cash Benefit (Optional)
  • Terminal Illness Benefit (Included)
  • Transportation Benefit (Included)
  • Simply Insurance Thinks

  • Canad Protection Plan is the most affordable simplified issue, no physical exam term life insurance product.  They have a very easy online application and the process doesn't require an agent.  We are seeing clients go from application to approval within 5 minutes; Bestow is the best life insurance product in this space by far.

Get Affordable No Medical Exam Term Life Insurance Quotes

From Our Canadian Insurance Partners:

Canada protection plan

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