How To Get A No Blood Test Life Insurance Policy In Jul 2024!

by Sa El

April 24, 2024

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 in 2022 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

In this post today, I will cover the average cost of no blood test life insurance, how life insurance with no blood test works, and review some of the best no physical exam life insurance companies.

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 Englishlife 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.

What Is The Average Cost Of Life Insurance With No Blood Test?

The national average cost for no blood test life insurance is around $68 per month or $816 per year for a 20 year $475,000 term life insurance policy. Keep in mind there are several factors that will determine your final rates such as age, tobacco use, and overall health.

Where Can I Get Instant Term Life Insurance With No Blood Test Quotes?

If you are ready to see quotes specific to you, please feel to use our quote tool below.  We don’t need any contact information to give you quotes either, Seriously…

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Sample No Blood Test Term Life Insurance Quotes

Below we have a few sample rates for a no blood work life insurance policy if you decided to not use our above quote tool:

I bet you are shocked at how affordable a no blood test life insurance policy can be.  But guess what, we found that over 50% of people overestimate the cost of life insurance.

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:

Life insurance companies have access to private database systems that give them information about your insurance and lifestyle habits.

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.

Motor Vehicle Report (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.


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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:

You Can 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 the handling of our case management if we became agents under them. Their “Lightning Speed approvals” actually still took an average of 75 days.

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.


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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 Haven Life, Ethos, & Bestow. Check out our quick overview of them below:


No Exam Life insurance by company.

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.

About the author 

Sa El