Having to take a random blood test just to get a life insurance policy is both an aggravating and painful process.

But what if I told you:

That you can get no blood test life insurance, altogether avoid a physical exam, and have coverage in an instant.

life insurance no blood test

Well, trust me, in 2020 it is very easy to accomplish and at a super fast speed.

In this post today, I will go over how to get life insurance without a blood test, how it works, and which company offers the best version of this type of life insurance.

​In This Article

​What Is No Blood Test Life Insurance

No physical life insurance goes by a ton of names, from no medical exam life insurance to instant life insurance.

It is, in “Plain English” life insurance that won’t require a physical exam or medical records from your doctor for you to get approved.

These policies usually cut your wait time for coverage from 3 to 4 weeks to under 5 minutes.  

While getting a policy with no exam isn’t very new, the ability to get a policy with no physical and get approved in under 5 minutes is groundbreaking.

​Why Life Insurance No Blood Test

What makes term life insurance without a physical exam so enticing is that it gives you the ability to do a few things:

Get Covered Without A Visit From A Nurse

Usually, when you have to complete an exam, you will have an exam company like ExamOne or EMSI send out a registered nurse to your home or place of business.

Once there, she will do a physical and blood test to get the process started for your life insurance application.  

There can’t be an approval without the medical examiner completing your blood work.

Avoid Dealing With Needles

One thing I don’t enjoy about dealing with nurses is that eventually, they are going to pull out a needle.

Not only do blood tests intimidate us, but they also hurt like hell sometimes, and if you hate seeing blood, it gets even worse.

With a no blood test life insurance policy, you can get an immediate answer on your life insurance approval.

You Don’t Have To Wait For An Answer

A few years ago, I was on a web conference called Lightning Speed Life Insurance.

I was excited because I figured it had to be a new concept.

However, it was just a company talking about how they would take over case management for us as agents.

Their Lightning Speed approvals came out to a 75-day average.

Can you imagine waiting 75 days to get an answer on your life insurance?  Most people even forget they applied for coverage.

There is no longer any need to worry about those wait times when you bypass the blood tests for your life insurance.

​How No Blood Test Life Insurance Works

So, you are probably wondering, how is this possible? How can I avoid a blood test and still get life insurance? 

Well, let me explain:

Medical Information Bureau (MIB)

The MIB is a nonprofit organization of insurance companies that together track when you last applied for life insurance.

They use this information to determine your eligibility for insurance.

For example:

Let's say you were declined for life insurance 2 years ago due to COPD by Company A.

Company B would be able to see the reason you were declined if you were to apply for coverage today.

This is to make sure they get as much information about your application as possible.

Intelliscript (Prescription Drug Report)

The next report that is pulled is all about your prescription drugs.  

Whenever you fill a prescription, it is logged to Intelliscript regardless if you ever take the medicine or not.

The insurance companies will see that you filled the prescription and treat it as if you did take the medication.

This report is mainly used to confirm the answers to your application.  


Your motor vehicle report is checked to make sure you don't have a suspended license due to reckless driving.

If you have a history of DUI's or DWI's, then the life insurance company probably won't give you insurance because those are dangerous behaviors.

Too many speeding tickets can also negatively affect your ability to get life insurance.

Accelerated Underwriting

The best thing about accelerated underwriting is that when you are completing your life insurance application, it changes based on how you answer questions.

By the end of the application, the underwriting has been completed, and an answer can be made based on real-time data.

Approval & Payment

Once you have been approved, you can actually choose the final coverage amount you are happy with and make a payment immediately so that you are covered.

​Term Life Insurance With No Blood Test Quotes

​Sample No Blood Test Quotes For ​Women




20 Years Old



25 Years Old



30 Years Old



35 Years Old



40 Years Old



44 Years Old



*Rates are based on a 20 Year Term Policy - Non-tobacco Female with a preferred health rating

​Sample No Blood Test Quotes For ​Men




20 Years Old



25 Years Old



30 Years Old



35 Years Old



40 Years Old



44 Years Old



*Rates are based on a ​20 Year Term Policy - Non-tobacco ​Male with a preferred health rating

​I bet you are shocked at how affordable a ​no blood test life insurance policy can be.

But guess what:

​A ​study conducted by Life Happens found that over 44% of people overestimate the cost of life insurance.

So, don't feel ​bad about it, if anything this should give you some relief about having to pay high premiums.

​Best Company For No Blood Test Term Life Insur​​​​ance

​While there are some excellent ​​no exam term life insurance companies to choose from, we haven't found any better than Bestow life.

Check out our quick overview of them below:

bestow life insurance logo

About Bestow Life Insurance

Bestow ​is backed by North American Company for Life and Health Insurance.

North American has been around for over 100 years and was founded in 1886, and as of today North American holds an A+ (Superior) rating with A. M. Best.

Bestow believes that great life insurance should be affordable, convenient, and smart.

And every bit as straightforward as buying any other gift for your family.

Product Features

  • Available for ages 21 through 55
  • Coverage amounts from $50,000 to $1,000,000
  • Not Yet available in NY
  • No physical exam life insurance
  • Tobacco & Non Tobacco Rates
  • E-Signature & Simple Application Process
  • No Waiting Period
  • Accelerated Underwriting
  • 2 Year Term Option Available

Riders & Options

No additional riders or options are available on this policy yet such as the accelerated death benefits, term life conversion option, or accidental death benefit rider.

Simply Insurance Thinks

Bestow is the most affordable simplified issue, no physical exam term life insurance product in the market. We are ​seeing clients go from application to approval within 5 minutes​.

​Bestow can cover you faster than any product on the market.

Want to learn more about them? Check out our full Bestow life insurance review.

​Taking Action

Now that you know and understand that you can get life insurance without a blood test, it’s time for you to protect your family.

Remember, life insurance is for those that we will leave behind, not for ourselves.

You can click on the button above to get a quote and to get your coverage started immediately.

There is no reason to go without life insurance,  especially now that you no longer need a blood test to get covered.

Sa El

About the author

Sa El is the Co-Founder of Simply Insurance and a licensed Insurance Agent with over 11 years of experience in the industry.  He specializes in Life & Health Insurance and is certified in Long Term Care Insurance in the state of Georgia. He is also an Official Member of the Forbes Finance Council, a licensed real estate agent in the state of Georgia (License #382602), an entrepreneur, insurance educator, and freelance writer.

{"email":"Email address invalid","url":"Website address invalid","required":"Required field missing"}