Dealing with a nurse and trying to take out time for a physical exam for your life insurance policy is both a long and aggravating process.

But what if I told you:

That there is a much easier way to get life insurance in 2020.

no physical life insurance

You can altogether avoid a physical exam and have coverage in an instant.

In this post today, I will go over what no physical life insurance is, how it works, which company offers the best version of this coverage, and how you can get coverage started today.

In This Article

What Is No Physical Life Insurance

No physical life insurance goes by a ton of names like life insurance with no blood test.

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.


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.

Why No Physical Term Life Insurance

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 to get the process started for your life insurance application.  
There can’t be an approval without the medical examiner completing your physical exam.

Avoid Dealing With Needles

One thing I don’t enjoy about dealing with doctors or nurses is that eventually, one way or another, the needle is coming out.

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

With a no physical life insurance policy, you get to get to avoid this and get an immediate answer on your life insurance.

You Don’t Have To Wait For An Answer

Just two years ago, I was on a web conference titled Lightning Speed Life Insurance.

I was super excited because I figured it had to be something new.

However, it was merely 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.


No Exam Life Insurance by state.

How No Physical Exam Life Insurance Works

So, you are probably wondering, how is this possible?

How can I avoid a physical and still get life insurance? Well, let me explain:

Medical Information Bureau (MIB)

no physical exam life insurance

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 diabetes by Insurance Company A.

Company B would be able to see that you were previously declined if you 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.

I say this because sometime you might fill a prescription for something but never take it.

However, the insurance companies will see that you filled the order and treat it as you did take the medication.

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

If you state you don't take medicine for heart issues, but you are taking a Nitro prescription, then there is something going on.


Your motor vehicle report is going to be checked to confirm your driving history and to make sure you don't have a suspended license.

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.

The process is really that fast.

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

But did you know:

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.

Getting Cheap Life Insurance No Physical

If you have been searching around the internet you probably noticed most agents or agencies state that trying to get life insurance without an exam is more expensive.

However, with recent updates in technology, more companies are offering a no physical product for around the same price as policies that require an exam. 

With these lower rates, life insurance is becoming more competitive and with an easier buying and approval process it should become easier for more people to get covered.

While there is a chance you could pay a bit more for a policy with no medical, the difference is usually a few pennies or a couple of dollars at max and usually not worth the effort to go fully underwritten. 

Best Company For Life Insurance With No Physical

While there are some great 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 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 GA & 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 no physical life insurance is legit, it’s time for you to protect your family.

Remember, life insurance is NOT for you, it is for those that we will leave behind.

You can click here or 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 physical exam to get covered.

Sa El

About the author

Sa El is the Co-Founder of Simply Insurance and a licensed Insurance Agent with over 12 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.

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