POWERED BY AI • NO-EXAM ELIGIBILITY

No Exam Life Insurance, The Smarter Way.

See if you may qualify for no exam term life insurance in about 60 seconds using our AI underwriting assistant.

No pressure. No medical exam for many applicants. Instant decisions available for qualified buyers.

  • No medical exam for many applicants
  • Instant decisions for qualified buyers
  • Coverage up to $2 million
  • Secure & encrypted application process
Check My Eligibility How It Works
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Sage · Simply Insurance Secure & Private
  1. 1 Basics
  2. 2 Lifestyle
  3. 3 Health
  4. 4 Coverage
  5. 5 Review
  6. 6 Results

Hey, I’m Sage from Simply Insurance 👋 What should I call you? Then I’ll ask a few quick things to see if you may qualify for no-exam life insurance.

First, what’s your name?

Enter your name

What state do you live in?

Select your state

How old are you?

Enter your age

Do you currently use nicotine products?

Qualification Likelihood82%

You may qualify for accelerated underwriting.

Your information is encrypted and never shared without your consent.

A simpler way to get covered

Fast Decisions

Most qualified applicants receive decisions quickly without scheduling medical exams.

Simple Process

No bloodwork or in-home nurse visits for many applicants. Just a few questions online.

Built For You

Affordable term life insurance designed for families, entrepreneurs, and busy professionals.

How It Works

  1. 1

    Talk with AI Assistant

    Answer a few simple questions about yourself and your needs.

  2. 2

    Get Eligibility Estimate

    See if you may qualify for no exam coverage.

  3. 3

    Continue Securely

    If eligible, you’ll be securely connected to a top-rated insurer to apply.

  4. 4

    Get Coverage Decision

    Most qualified applicants get an instant decision. Get covered faster.

Common Questions About No Exam Life Insurance

Quick answers — tap through for the full guide.

Can I Get Life Insurance Without Bloodwork?

Yes — many applicants qualify for life insurance without bloodwork through accelerated underwriting. Here is how it works and how to check.

Read more

How Fast Can You Get Life Insurance? (Same-Day Options)

How fast can you get life insurance? Many qualified applicants get an instant decision and same-day coverage. Here is what speeds things up.

Read more

No Exam Life Insurance Rates by Age & Coverage (2026)

See sample no exam life insurance rates by age and coverage amount, what drives your price, and how to get a personalized estimate.

Read more

Life Insurance for Self-Employed Workers (No Exam Options)

Self-employed? You can qualify for term life insurance online without a medical exam. See coverage options, costs, and how to apply.

Read more

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Affiliate disclosure: Simply Insurance may receive compensation when readers click partner links and an eligible policy is approved.

This tool provides an eligibility estimate, not a final underwriting decision. Final approval is determined by the carrier. Product availability and underwriting vary by state.

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