Best No-Exam Life Insurance Companies in 2025

Overall, State Farm is the top provider for no-exam life insurance policies. Depending on your priorities and needs, the best choice may differ. Below are the best no-exam life insurance companies for different categories.

State Farm receives a MoneyGeek score of 99, making it the best no-medical-exam life insurance company. The company also has the highest ratings in financial stability and product diversity, key factors ensuring long-term reliability and a range of plan options for policyholders.

With a MoneyGeek score of 99, Nationwide is the runner-up for best no-exam life insurance. It takes the lead in the buying process for this type of policy, ensuring a smooth experience for consumers.

**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.

With a MoneyGeek score of 96, Progressive stands out as the best choice for customer satisfaction in the no-exam life insurance category. Although the company issues policies through partners, Progressive's high customer satisfaction score and robust product diversity make it a compelling option for consumers who prioritize customer experience.

**NOTE: Progressive and GEICO both received a perfect satisfaction rating, but Progressive's higher overall MoneyGeek score makes it our top pick.

No medical exam life insurance allows applicants to secure coverage without a medical assessment, typically involving higher premiums and lower death benefits compared to fully underwritten policies. Understanding what to look for and how this policy works can help determine whether it's the right type of life insurance for you.

If you're considering a no-exam life insurance policy, there are several factors to keep in mind when choosing the proper coverage. First, consider the type of policy you want to purchase. Term life insurance policies are generally more affordable than permanent life insurance policies, 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.

Another factor to consider is the amount of coverage you need. The more coverage you require, the higher your premiums will be. Generally, you'll want to check that you have enough coverage to protect your loved ones in the event of your death. 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. Ultimately, the best no-medical-exam life insurance policy for you will depend on your individual needs and circumstances.

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 may still need to prepare to answer questions about your age, gender and lifestyle habits, such as whether you smoke. These factors can impact the cost of your policy and the coverage amount you qualify for. Additionally, be aware that coverage amounts for no-exam life insurance policies may be lower than for plans that require a medical exam, with many companies capping coverage at $1 million or less.

Comparing quotes from multiple no-medical-exam life insurance companies will help you find a plan that aligns with 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 policies that don't require a medical exam are becoming increasingly popular for several reasons. Firstly, these policies offer a quick and easy application process, which can be very appealing for those who don't have the time or desire to sit through a lengthy medical exam. With no medical exam required, the application process is streamlined, making it faster and more straightforward. 

Secondly, no-exam life insurance policies can be an attractive option for individuals who have health issues that may make it challenging to qualify for traditional life insurance policies. 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.

No-exam life insurance policies can also be an excellent choice for consumers who need coverage quickly. These policies often offer immediate coverage, allowing beneficiaries to receive a death benefit soon after the policyholder passes away. For example, suppose 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 the best option in that case.

No-exam life insurance is a type of life insurance policy that does not require a medical exam as a prerequisite for coverage. Applicants can typically secure a policy by responding to a health questionnaire or providing basic medical details, such as height, weight and age. No medical exam life insurance quotes tend to be higher than the premiums for fully underwritten life insurance policies, and the death benefits are generally lower.

Generally, there are two types of no-exam life insurance that you can purchase:

• Simplified Issue Life Insurance: This type of no-exam life insurance policy requires a medical questionnaire but no medical exam. The insurance company evaluates your risk based on your answers to the questionnaire and may request medical records. Coverage amounts typically range from $25,000 to $1 million.
• Guaranteed Issue Life Insurance: These policies require no medical questionnaire and are available to almost anyone, regardless of their health status. These are popular with consumers whom insurers have previously declined to cover due to medical conditions. Coverage amounts are usually limited to $25,000 or less, and premiums are significantly higher.

Considering which type of no-exam life insurance best suits your needs and medical profile will help you make the most informed decision.

Before you purchase your no-exam life insurance policy, we recommend considering the benefits and drawbacks of these plans and how they apply to your financial goals. Having this information can help you manage the downsides while maximizing the advantages of your policy. We explore the details in the table below:

No-exam life insurance provides a convenient way to secure coverage without requiring you to submit to 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 go-to choice for policyholders seeking a seamless application experience. It also ranks second overall. Progressive stands out as the best option for consumers who value customer satisfaction, earning a score of 96 despite issuing policies through partners rather than directly.

It isn’t always easy to understand the differences between traditional life insurance policies and those that do not require a medical exam. By understanding the answers to frequently asked questions about this policy, you can determine if a life insurance policy with no medical exam is right for you.

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 chose to review these companies based on their broad national coverage and ability to provide an online quote.

MoneyGeek’s Scoring System

In our unique scoring system, companies can earn up to five points in each of five categories. 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 in this category 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 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