How To Get Life Insurance With No Blood Test Or Blood Work In 2021!

By Sa El Published:

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 a no blood test life insurance policy and avoid a physical exam, and have coverage in an instant.

life insurance no blood test

Well, trust me, in 2021 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.

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 Get Life Insurance With 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 Parameds 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.

THE SIMPLY INSURANCE WAY

No Exam Life Insurance made easy.

Agents not required.

Get quotes and sign up online without talking to an agent. But, we are here if you need us. 

Unbiased, expert advice.

Get unbiased insurance education from licensed experts and also avoid dodgy sales calls.

Coverage in minutes.

You can get no exam life insurance coverage within minutes of getting your quotes and applying.

How Life Insurance Without Blood Work "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:

how to get life insurance with no blood test

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. 

MVR

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.

INSURANCE WHERE YOU LIVE

Life insurance by state.

No-Test Term Life Insurance Quotes

Below we have a few sample rates for a no blood work life insurance policy: 

  •    Male   

  • Female

Life Insurance No Blood Test Quotes For 36 Year Old Male

Rates based on a $250,000 term policy for a 36 year old male non-tobacco user in preferred health.

Term Length

Monthly Premium

10 Years

$14.96/month

15 Years

$15.17/month

20 Years

$18.29/month

25 Years

$25.58/month

30 Years

$36.42/month

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.

Best No Blood Test Term Life Insurance Companies

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

Check out our 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

While all of these companies are amazing, if I could only choose one, I would go with Bestow because they 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.

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

You can click here or on the above buttons to get a quote and to get your coverage started today.

Frequently Asked Questions


Can you get life insurance without a blood test?

Yes, you can get life insurance without a blood test. These policies are traditionally called no-medical exam life insurance policies and usually can get you approved without needing to supply bloodwork.

What life insurance does not require a medical exam?

No Exam life insurance does not require a medical exam. This type of coverage is usually for people between the ages of 18 to 65 that are in good to excellent health and don't need more than $1.5 Million in coverage.

How much life insurance can you get without an exam?

You can get up to $1.5 Million in life insurance without an exam. The lowest amount of coverage you can get is $50,000. These policies come with term length options of 10, 15, 20, 25, & 30 Years.


Sa El

About the author

Sa El is the Co-Founder of Simply Insurance and a licensed Insurance Agent with over 13 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. a licensed real estate agent in the state of Georgia (License #382602), an entrepreneur, insurance educator, and freelance writer.


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