State Farm is the top provider for no-exam life insurance policies. The best choice depends on your specific needs and priorities. Below are the best no-exam life insurance companies for different categories.
Life Insurance
Best No-Exam Life Insurance Companies in 2025
Updated: August 11, 2025
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Key Takeaways
State Farm is the best no-medical-exam life insurance provider, earning a MoneyGeek score of 99 and offering term life and guaranteed issue final expense policies without requiring a medical assessment.
Nationwide ranks second overall and has the best buying process among major life insurance companies. It also received a MoneyGeek score of 99.
Progressive leads in customer satisfaction for no-exam life insurance, scoring 96. Its term coverage options range from $250,000 to $1.5 million and have term lengths of 10 to 30 years.
Best Life Insurance Companies with No Medical Exam
State Farm: Best Overall for No-Exam Life Insurance Coverage
Best OverallState Farm
MoneyGeek Score:
99/ of 100
Overview
State Farm offers both term life and guaranteed issue final expense policies without requiring a medical assessment. The company provides term policies with coverage amounts starting at $100,000. State Farm's strong financial stability rating demonstrates its reliability, providing customers peace of mind. Its product diversity makes it a versatile choice for policyholders seeking life insurance without the medical exam requirement.
Nationwide: Best Buying Process
Runner-Up & Best Buying ProcessNationwide
MoneyGeek Score:
99/ of 100
Overview
Nationwide ranks as the second-best overall no-exam life insurance company. The company excels in the buying process for no-medical-exam life insurance, offering a smooth experience backed by 97 years in the industry. Nationwide provides various life insurance products, including term, whole and universal life plans. With term coverage amounts ranging from $250,000 to $1.5 million and term lengths between 10 and 30 years, Nationwide offers flexibility to meet diverse needs. The company's high ratings in product variety and buying process make it a strong choice for customers prioritizing ease of purchase.
Note: Nationwide and State Farm earned the same overall MoneyGeek score. However, State Farm edges out Nationwide due to its slightly higher financial stability rating.
Progressive: Best No-Exam Customer Service
Best for Customer SatisfactionProgressive
MoneyGeek Score:
96/ of 100
Overview
Progressive leads in customer satisfaction among no-exam life insurance providers. The company offers coverage ranging from $250,000 to $1.5 million with 10 to 30-year term lengths. Progressive doesn't underwrite its life insurance policies but issues them through partners, which still allows for high customer satisfaction and strong product diversity.
Note: Progressive and GEICO received a perfect satisfaction rating, but Progressive's higher overall MoneyGeek score makes it our top pick.
Types of No-Exam Life Insurance
Three types of life insurance with no medical exam exist: instant, simplified issue and guaranteed acceptance. These options allow more people to qualify for coverage even with pre-existing conditions. Understanding your options helps you choose the right coverage for your situation. Here's how each type works:
Instant Life Insurance
Instant life insurance uses AI to analyze your driving record and medical databases instead of requiring an exam. Coverage decisions happen within minutes, with most companies offering up to $1 million. This option costs less than other no-exam policies because insurers can better assess your risk through data analysis. It works best for young, healthy individuals who need coverage quickly.
Simplified Issue Life Insurance
You'll answer five to ten health questions but skip the medical exam entirely. Decisions come within 48 hours, and coverage ranges from $25,000 to $500,000 depending on your age and answers. Expect to pay 15% to 25% more than instant policies, but you'll still qualify even with minor health issues that might disqualify you elsewhere. This approach suits older adults, those with health concerns, and smokers with other health ailments.
Guaranteed Acceptance Life Insurance
No health questions, no medical exam, and automatic approval for ages 50 to 85, regardless of your health condition. Coverage maxes out around $25,000, and premiums run 40% to 60% higher than traditional policies. Most policies include a two-year waiting period where natural death pays only premiums back, not the full benefit. This option works best for seniors with serious health issues who need funeral and final expense coverage.
What to Look for in No-Exam Policies
Consider these key factors when choosing a no-exam life insurance policy. Choose between term and permanent coverage. Term life insurance policies are generally more affordable than permanent ones, as they only provide coverage for a specific period (typically 10, 15, 20 or 30 years) and have a lower risk for the insurer. However, if you want a policy that lasts a lifetime and builds cash value, a permanent life insurance policy may better fit your needs.
Coverage amount affects your premiums. The more coverage you need, the higher your premiums will be. Make sure you have enough coverage to protect your loved ones if you die. Consider your current financial obligations, such as mortgage payments or outstanding debt, and factor in any future expenses, such as college tuition for your children. Your needs and circumstances determine the best no-medical-exam life insurance policy for you.
How Much Does No-Medical-Exam Life Insurance Cost?
Several factors, such as age, gender and coverage amount, influence the cost of no-exam life insurance policies. While these policies offer the convenience of skipping the medical exam, they often cost more than traditional policies requiring medical screening, sometimes 10% to 30% higher, depending on the provider.
When shopping for a no-exam policy, you'll answer questions about your age, gender and lifestyle habits, such as whether you smoke. These factors affect the cost of your policy and the coverage amount you qualify for. Coverage amounts for no-exam life insurance policies are typically lower than for plans that require a medical exam, with many companies capping coverage at $1 million or less.
Life Insurance Quotes with No Medical Exam
Comparing quotes from multiple no-medical-exam life insurance companies helps you find a plan that fits your needs and budget. Use our cost calculator below to get life insurance quote estimates with no personal information from different insurers. These instant quotes can give you a general idea of pricing, though final rates may vary based on your specific health profile and the insurer's underwriting guidelines.
Life Insurance Calculator
We’ll give you a suggested amount of cover to buy in just 3 easy steps. — it's free, no personal information required, no spam.
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Rates updated:
Aug 23, 2025
Who Should Consider a No-Exam Life Insurance Policy?
No-exam life insurance policies work well for three main situations.
Quick application process: These policies appeal to people who don't have the time or desire to sit through a lengthy medical exam. The application process is faster and more straightforward, and no medical exam is required.
Health issues: No-exam life insurance policies help individuals with health issues that may make qualifying for traditional life insurance policies challenging. By eliminating the medical exam, those with pre-existing medical conditions or a history of health problems may be more likely to get approved for life insurance coverage, though they should expect higher premiums to offset the insurer's increased risk.
Immediate coverage needs: These policies work well for consumers who need coverage quickly. They often offer immediate coverage, allowing beneficiaries to receive a death benefit soon after the policyholder passes away. If you need to secure life insurance to cover a specific financial obligation, such as a business loan or a mortgage, a no-exam policy may be your best option.
MONEYGEEK EXPERT TIP
Consider your needs and budget to decide which policy works best for you. A financial advisor or insurance agent can also help you decide about your life insurance coverage.
No-Medical-Exam Life Insurance Basics
No-exam life insurance doesn't require a medical exam for coverage. Applicants can get a policy by responding to a health questionnaire or providing basic medical details, such as height, weight and age. No medical exam life insurance costs more than fully underwritten policies, and the death benefits are generally lower.
No-Exam Life Insurance Pros and Cons
Consider the benefits and drawbacks of no-exam plans before purchasing. This information helps you manage the downsides while maximizing the advantages of your policy.
Pros | Cons |
|---|---|
Convenience: You can apply online or over the phone, and the policy can be issued quickly, often within a few days, compared to several weeks. | Higher Premiums: No-exam life insurance policies are generally more expensive than fully underwritten policies because the insurance company takes on more risk without knowing your complete health picture. Expect to pay 10% to 50% more compared to traditional policies. |
Easy Approval: No-exam policies don't require a medical exam, making it easier to get approved for coverage, even if you have a pre-existing medical condition. | Lower Death Benefits: No-exam life insurance policies generally have lower death benefits compared to fully underwritten policies. |
Coverage Options: No-exam life insurance policies offer a range of coverage options to meet your specific needs and budget. | Limited Coverage: Guaranteed-issue policies often limit coverage amounts and may not offer the same level of coverage as a fully underwritten policy, with many capping coverage at $500,000 to $1 million. |
MONEYGEEK EXPERT TIP
You're eligible for a no-medical-exam policy even if previously diagnosed with COVID-19. However, if you are experiencing long-term effects of the virus, this will be treated as a pre-existing condition and could impact your premium. — Mark Friedlander, Director, Corporate Communications, Insurance Information Institute
Best Life Insurance with No Medical Exam: Bottom Line
No-exam life insurance provides a convenient way to secure coverage without medical testing. After evaluating numerous life insurance companies and their no-exam policy options, MoneyGeek identified the top performers in this category.
State Farm is the best overall provider for no-medical-exam life insurance, with a MoneyGeek score of 99 and strong ratings in both financial stability and product diversity. Nationwide excels in the buying process, making it the top choice for policyholders seeking a smooth application experience. It also ranks second overall. Progressive leads in customer satisfaction among consumers, earning a score of 96 despite issuing policies through partners rather than directly.
Compare Life Insurance Rates
Ensure you are getting the best rate for your insurance. Compare quotes from the top insurance companies.
Life Insurance Without Medical Exam: FAQ
Understanding the differences between traditional life insurance policies and those that don't require a medical exam can be challenging. These frequently asked questions help you determine if a life insurance policy with no medical exam is right for you.
What types of policies are offered with no medical exam?
The most common policies offered with no-medical-exam are term and whole life insurance. The rates and amount of coverage available vary by carrier, so we recommend getting several quotes for the type of no-exam life insurance you want to get the best rate.
What are the pros and cons of guaranteed policies with no exam?
Buying guaranteed life insurance policies with no exam has both pros and cons. Benefits include quick approvals, no medical history consideration and a non-invasive application process. Drawbacks include higher rates (often 20% to 50% more than standard policies), lower coverage amounts (typically capped at $25,000 to $50,000) and fewer opportunities for customization.
Which companies offer term life with no medical exam?
Term life is the most popular type of life insurance. Here are some companies that offer term life with no-medical-exam:
- AAA
- Allstate
- American Family Insurance
- Bestow
- Fidelity
- GEICO
- Gerber
- Haven
- Mutual of Omaha
- Nationwide
- Progressive
- Prudential
- State Farm
- Transamerica
Even though you won’t have to complete a medical exam, you may have to answer some health questions to receive a term life policy.
What is the best life insurance company?
The best life insurance company for no-medical-exam policies is State Farm, with a MoneyGeek score of 99. It excels in financial stability, customer satisfaction and product diversity, making it a well-rounded choice for consumers seeking life insurance without a medical examination.
How long does a no-exam life insurance policy last?
The length of a no-exam life insurance policy depends on the type of policy you choose. Term policies last from five to 30 years, while permanent policies last as long as you continue to pay the premiums. The length of the policy is determined at the time of purchase and cannot be changed once the policy is in force.
Can you borrow money from a no-exam life insurance policy?
No-exam term life insurance policies do not have a cash value component and do not allow policyholders to borrow money from the policy. However, some guaranteed issue policies may accumulate cash value, which you can access through a withdrawal or loan.
Can you get life insurance for seniors over 60 with no medical exam?
Yes, seniors can get life insurance with no medical exam. While these policies cost more than traditional policies, shopping around and comparing rates can help you find more affordable options. For seniors, coverage amounts are typically limited to $25,000 to $100,000, depending on age.
Do I need a medical exam to get life insurance?
It depends on the type of policy you choose. No-medical-exam life insurance policies let you get coverage without a medical assessment, making them accessible for those wanting immediate life insurance with no medical questions or waiting periods. Traditional policies with medical exams generally offer higher coverage amounts at lower premiums for healthy individuals.
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Best No-Medical-Exam Life Insurance Companies: Our Rating Methodology
Why Trust MoneyGeek? We analyzed customer satisfaction, financial stability reports, product offerings and more to determine the best no-medical-exam life insurance companies for a variety of needs.
Recency
Coverage costs and company information for life insurance providers were updated in 2025.
Methodology
MoneyGeek created a scoring system to compare 14 life insurance companies across five categories and ranked them based on their scores. We reviewed these companies based on their broad national coverage and ability to provide an online quote.
MoneyGeek’s Scoring System
In our scoring system, companies can earn up to five points in each category. We then use these category scores to calculate an overall MoneyGeek score out of 100. We applied the following weightings to score insurers:
- Product Diversity: 35% - Evaluates the range of no-exam policies offered and their flexibility
- Financial Stability: 25% - Measures the company's ability to meet long-term financial obligations
- Customer Satisfaction: 20% - Assesses the quality of customer service and claim handling
- Buying Process: 20% - Rates the ease and convenience of purchasing a policy
Affordability was not included since we do not have quotes for no-medical-exam life insurance policies.
Each company’s score incorporates:
- Financial strength ratings from AM Best and the number of years in business
- Customer satisfaction data from the National Association of Insurance Commissioners (NAIC) customer complaint index (we reviewed annual complaint data from 2020 to 2022, the most recent year available)
- Availability of tools to aid in the buying process, such as online product materials and multiple payment options
- Diversity of life insurance products offered
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About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.