Quick answer
On the rate sheet we quote from, $850,000 of 20-year no-exam term costs a healthy 30-year-old non-smoker $35 to $47 a month, and $105 to $132 at 45. From 50, that sheet won't write $850,000 without an exam and offers $500,000 instead.
On the rate sheet we quote from, $850,000 of 20-year no-exam term costs a healthy 30-year-old non-smoker $35 (woman) to $47 (man) a month. At 45 it’s $105 to $132 a month. From 50, the same sheet won’t write $850,000 without a medical exam and offers $500,000 instead.
That’s a big policy to get without a blood test, so it’s worth knowing what insurers check instead. Below are the prices by age, exactly what gets checked when there’s no exam, and what to do if you’re 50 or older. If term coverage is new to you, our guide to term life insurance covers the basics.
No exam term life insurance rates for $850,000 by age
These are 20-year level term prices for non-smokers, before underwriting.
Here’s what $850,000 of 20-year term costs a month by age if you’re in excellent health and don’t smoke:
| Age | Man, excellent health | Woman, excellent health |
|---|---|---|
| 25 | $46.54 | $30.96 |
| 30 | $47.25 | $35.21 |
| 35 | $56.46 | $47.96 |
| 40 | $84.79 | $65.67 |
| 45 | $131.54 | $104.63 |
From age 50 the sheet won’t write $850,000 of 20-year term without an exam (the most it offers is $500,000), so the table stops at 45.
Monthly premiums from our own quote tool, pulled 5 October 2026 from one carrier’s partner rate sheet: $850,000 of coverage, 20-year term, non-smoker, Georgia ZIP. That sheet priced 49 of 51 jurisdictions identically when we checked all of them in August 2026 (North Dakota came back lower; New York isn’t offered). These are rate-sheet prices before underwriting, not a final offer.
A 35-year-old man in excellent health pays $56.46 a month, and at 45 it’s $131.54. At every age the sheet writes, a woman pays less.
If your health is average
Your health class is set after the insurer reviews your application. Here’s the same policy one class down.
Here’s the same $850,000, 20-year policy in average health:
| Age | Man, average health | Woman, average health |
|---|---|---|
| 25 | $81.25 | $53.63 |
| 30 | $81.96 | $59.29 |
| 35 | $96.83 | $79.83 |
| 40 | $152.08 | $113.83 |
| 45 | $236.38 | $181.13 |
From age 50 the sheet won’t write $850,000 of 20-year term without an exam (the most it offers is $500,000), so the table stops at 45.
Monthly premiums from our own quote tool, pulled 5 October 2026 from one carrier’s partner rate sheet: $850,000 of coverage, 20-year term, non-smoker, Georgia ZIP. That sheet priced 49 of 51 jurisdictions identically when we checked all of them in August 2026 (North Dakota came back lower; New York isn’t offered). These are rate-sheet prices before underwriting, not a final offer.
At 40, average health costs a man $152.08 a month instead of $84.79, and a woman $113.83 instead of $65.67.
Can you get $850,000 of term life without a medical exam?
Skipping the exam doesn’t mean skipping the checks. In the Society of Actuaries’ 2022 accelerated underwriting survey, 24 insurers named the tools they use most to decide whether to waive the exam:
- the electronic application itself (22 companies)
- MIB records and prescription histories (21 companies each)
- motor vehicle records (19 companies)
- a phone interview with an underwriter (17 companies)
That phone interview surprises people, so it helps to have your medications and your doctors’ details handy before you apply.
Your MIB file is the one you can check ahead of time. The CFPB says MIB collects information about medical conditions and hazardous hobbies and reports it to insurers with your authorization. You can request one free report every 12 months and dispute anything inaccurate, and if you’ve never applied for individual life or health coverage, there may be no file at all.
At $850,000 you’re close to the top of what most no-exam programs write. In that same survey, the most common no-exam maximum was $1,000,000, and the most common issue ages were 18 to 60. Even inside those limits, the NAIC says accelerated underwriting “does not always lead to issuance of a policy,” because for some people the data “will be insufficient to adequately evaluate their risk profile.”
If that happens, it isn’t a rejection. You go through traditional underwriting instead, exam included. Life Happens says the exam itself “should take less than 30 minutes,” though a decision usually takes at least a few weeks.
On our sheet, $850,000 without an exam stops at 45. Ask for it at 50 and the quote comes back for $500,000, which costs a 50-year-old non-smoker in excellent health $101.08 (woman) or $126.50 (man) a month.
If you need the full amount after 50, compare other companies, since each sets its own limits, or plan on the exam. The NAIC’s buyer’s guide is blunt about the trade-off: “usually a policy that doesn’t require detailed health information will cost more and provide less coverage than one that does.”
You can apply online, through an agent or by mail. Answer every question honestly: the NAIC warns that if an insurer finds false statements after it issues the policy, “it could reduce or cancel your coverage.” Keep any policy you already have until the new one is in force, and remember that you can usually return a new policy for a full refund within about 10 days.
When you’re ready, compare term life insurance quotes for your own age, health and coverage.
Frequently asked questions
How much is an $850,000 life insurance policy per month?
On the sheet we quote from, $850,000 of 20-year no-exam term costs a non-smoker in excellent health $35.21 to $47.25 a month at 30, $65.67 to $84.79 at 40, and $104.63 to $131.54 at 45. From 50 the sheet offers $500,000 at most without an exam.
Will I have to do a phone interview?
Maybe. In the Society of Actuaries’ survey, 17 of 24 insurers used an application or tele-underwriting interview to decide whether to waive the exam. It’s an interview, not a medical test, so have your medications and your doctors’ details handy.
Can I see what MIB has on me?
Yes. The CFPB says MIB provides one free report every 12 months if it has a file about you, and you have the legal right to dispute anything inaccurate or incomplete. If you’ve never applied for individual life or health insurance, there may be no file to request.
How much life insurance can I get without an exam?
It depends on the insurer and your age. The most common maximum in the Society of Actuaries’ survey was $1,000,000, though one program went as high as $7,500,000. On our sheet, $850,000 is available without an exam through age 45.
Who needs $850,000
This is income-replacement territory. The NAIC says how much to buy “depends on the financial needs that will continue after your death,” like supporting your family, paying for your kids’ education and paying off a mortgage. Add those up honestly and the number climbs fast when the kids are young.
Don’t count on work coverage to fill it. The Texas Department of Insurance says a basic group policy “usually has a death benefit equal to one or two times your annual salary,” and it “typically ends when you leave your job.”
If you’re weighing a slightly bigger policy, see what $900,000 of no-exam term costs.
How we got these numbers
- Every premium on this page comes from our own life quote tool, which prices from one carrier's partner rate sheet. Each table says the day its prices were pulled.
- We priced a Georgia ZIP. When we priced the same applicant in all 51 jurisdictions in August 2026, 49 came back identical; North Dakota came back lower and New York isn't offered.
- Excellent and average are the rate sheet's own health classes. These are prices before underwriting, so the offer you get after an insurer reviews your application can be different.
- Where the sheet won't write an amount at an age without a medical exam, we leave that age out of the table instead of guessing.