Best No Medical Exam Life Insurance In Kansas (Rates From $67/month!)

Written By Licensed Agent: Sa El  |

UpdatedMarch 21, 2023

Top Choice:

Progressive® Pet Insurance by Pets Best | 


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Progressive® Pet Insurance by Pets Best is the best pet insurance company for multiple pets because they cover pets of all ages, with special attention to coverage for older pets and a 5% Multi Pet Discount.

Key Features: 

  • Accident-only insurance plans for cats and dogs
  • Coverage Amounts: $5,000, Unlimited coverage
  • Deductible Options: $50, $100, $200, $250, $500, $1000
  • Reimbursement Options: 70%, 80%, or 90%

In 2020, residents of Kansas purchased some $26 billion in life insurance coverage.

That's great news, but did you know that there are still over 41 million people without life insurance in America?

If you are one of them, it's time to change that right now and get life insurance policies without a medical exam and get covered today.

Still not convinced it's the right move?

In this post, we'll outline the best no medical exam life insurance options in Kansas for 2022, review the average cost of a non-med policy in the state and discuss what an insurance policy with no exam covers.

More Of The Best No Medical Exam Life Insurance Companies In Kansas Below: 

What Is The Average Cost Of No Medical Exam Life Insurance In Kansas?

Kansas's average non-med life insurance cost is about $67 per month or $800.00 per year, which is less than the national average of $816.00 per year. Getting coverage in Kansas depends on your gender, age, and health status, which can all alter how much your life insurance costs. (rates are based on recent 2022 data from an A-rated no med exam life insurance company.)

Compare No Medical Exam Insurance Quotes In Kansas

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How Are No Medical Exam Life Insurance Rates Determined In Kansas?

Rates in Kansas are determined by a few factors: age, gender, health status, tobacco usage, medical history, and others. 

Below we cover the primary pricing factors in more detail:

Age - Age will be one of the most significant factors when determining your life insurance rates in Kansas. The younger you are when you purchase coverage, the more affordable it will be.

Gender - Your gender will be the second-largest factor when figuring out your insurance rates. You will find that women will have much more affordable rates than men, primarily because they live longer than men on average.

Tobacco Usage - If you are a tobacco user, you can expect your rates to be upwards of 65% more expensive every month. Cancer is a leading cause of death in Kansas, and since smoking increases your rates considerably if you smoke, it's probably time to quit.

Coverage Amount - The amount of coverage you purchase will also change your rates. The higher the coverage amount you are buying, the more expensive the policy will become.

Term Length - Term length will be a factor because the longer the term length, the more expensive a policy will become. However, don't let this fool you; you will save more money over time if you lock your rates in for a longer term.

Current Health - Everyone is underwritten on an individual basis; this means that if you have a twin, their rates can still be different if their health is different.

Driving Record - Life Insurance companies want to know that you aren't a crazy driver. If you have a history of speeding, DUI's, or DWI's, you could be looking at higher rates or even get declined for coverage.

It's essential to understand what will and won't affect your insurance premiums when trying to find life insurance quotes in Kansas.

What Are The Differences Between Exam and No Medical Term Life Insurance In KS?

Term Life Insurance No Medical Exam

A no physical exam life insurance policy allows you to obtain a life insurance policy in less than five minutes. A no exam term life policy can meet this goal since it avoids the following:

  • A Drawn-Out Paperwork Process - Short form, few health questions with no physical
  • The medical exam
  • Medical Records Requests
  • Multiple Telephone Interviews

Life Insurance firms use proprietary technology that can assess your risk in real-time and give you an immediate answer on your no exam coverage approval or decline because they use data from organizations like the MIB, Intelliscript, and the MVR.

Term Life Insurance With Medical Exam

Choosing the medical exam route means that you will need to essentially do all of the things a no exam policy avoids; you must:

  • 1. Complete a long-form Application of health related questions.
  • 2. Take a medical exam
  • 3. Wait for physical exam results
  • 4. Wait for medical records
  • 5. Wait for underwriter review
  • 6. Wait for a telephone interview for any additional info
  • 7. Get an answer on approval or decline.

As you can see, a ton of work goes behind getting coverage the traditional route. However, there are times when you won't get to avoid the exam. For example, if you need more than 1.5 Million in coverage or have a current medical condition. In that case, Hybrid companies like Haven Life are a great option.

No Exam Term Life Rates Vs. Term Life Insurance With Exam Rates

In the past, the rates for an online life insurance policy with no exam were much more expensive than rates for fully underwritten life insurance. However, based on recent 2022 data, we now know that the national average cost for life coverage with no exam is around $67.00 per month.

This average is still more than the national average for a traditional term life policy of $53.00 per month; the rates are getting closer and more companies are offering no exam life coverage today.

And now that no exam companies can offer higher death benefit options, they can start to compete more in pricing.

Guaranteed Issue Life Insurance vs. No Physical Life Insurance

A guaranteed issue life insurance policy is usually for people between the ages of 50 - 85 that can't qualify for traditional coverage because of health issues. 

We aren't talking about high blood pressure or diabetes, but something like a chronic illness or even cancer survivors. 

These policies often come with a graded death benefit and don't ask any health questions. They also come with a cash value component; however, we don't recommend using them.

What Do No Exam Life Insurance Policies Cover In Kansas?

In the state of Kansas, your beneficiaries can spend your policy’s benefit however they want. Beneficiaries often use the financial support for:

  • Income Replacement
  • Funeral Expenses
  • Taking Care Of Disabled Family Members
  • Everyday Expenses
  • Outstanding Debts
  • Child Or Dependent Care
  • College Costs

Essentially, once the insurance carrier cuts the check to your beneficiary, they can use it for their family, start a business, or any other means.

Does The Covid-19 Vaccine Void No Med Life Insurance In Kansas?

No, a Covid-19 vaccination will not affect your life insurance policy or premiums; however, as the coronavirus pandemic continues to threaten people in almost every community across the world, more and more people are considering life insurance - here are the basics:

Does Kansas Term Life Insurance With No Medical Exam Cover Covid-19 Deaths?

Yes, life insurance policies will pay out death benefits to your beneficiary if you pass away from Covid-19 in Kansas.

There are very few insurance policies that exclude paying out on your death benefit by infectious disease. Exceptions are made for certain conditions, such as cancer; the insurance company may not pay a cancer policy if the insured dies from COVID-19.

There are also policies like accidental death insurance where the death benefit will only payout if you die from an accident.

How To Buy Life Insurance With No Medical Exam In Kansas?

It's much easier to find a no exam term life insurance policy in 2022, and getting covered in under 5 minutes is almost the industry norm.

We even recommend applying to more than one company so that the insurance companies have to fight for your business.

And guess what, it gets better:

You can complete the life insurance application process in just 4 steps; here's how:

  • Get some free and instant life insurance quotes (no personal info needed)
  • Choose the policy that works for you (coverage amount, term length, etc.)
  • Fill out your "real-time" application. (get an instant decision) 
  • Upon approval, sign your life insurance policy and pay.

With our top company, Bestow, you can knock those above steps out in under 5 minutes and get your policy immediately via email.

Taking Action

Finding the best non-med term life policy in Kansas doesn't have to be complicated.

Obtaining multiple quotes before purchasing a policy is essential to getting the best rates. 

Don’t waste any time. Get an instant no medical exam insurance quote for KS and get covered today.

Kansas No Exam Term Life Insurance FAQ's

How much is life insurance with no medical exam in Kansas per month?

Kansas's average no exam life insurance cost is about $67 per month or $800.00 per year. Getting coverage in Kansas will depend on your gender, age, and health status, which can all alter how much your life insurance costs.

How much no exam life insurance can you get In Kansas?

In Kansas, you can purchase up to $1.5 Million in no exam life insurance. If you need more coverage than that, you will need to look into a simplified issue life insurance company such as Haven or Fabric.

What life insurance does not require a physical In Kansas?

If your goal is to avoid a life insurance physical exam in Kansas, your best bet is to go with Bestow. Their product doesn't require an exam and offers instant life insurance with immediate coverage.

What life insurance does not have a waiting period in Kansas?

If Bestow approves you, they do not have a life insurance waiting period. Once you have been approved for the coverage, your policy goes into effect immediately. They also don't have any exclusions against the COVID-19 virus.

Top Choice:

Progressive® Pet Insurance by Pets Best | 


progressive pet insurance logo

Progressive® Pet Insurance by Pets Best is the best pet insurance company for multiple pets for several reasons including that they cover pets of all ages, with special attention in coverage for older pets and a 5% Multi Pet Discount.

Key Features: 

  • Accident-only insurance plans for cats and dogs
  • Coverage Amounts: $5,000, Unlimited coverage
  • Deductible Options: $50, $100, $200, $250, $500, $1000
  • Reimbursement Options: 70%, 80%, or 90%