Best No-Exam Life Insurance Companies in 2025

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. 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.

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.

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, with a MoneyGeek score of 96, 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.

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

No-exam life insurance, also known as guaranteed issue 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.
• 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.

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:

If you're considering a no-exam life insurance policy, there are several factors to keep in mind when choosing the proper coverage. First and foremost, 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 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 ensure 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 come at a higher price than traditional policies requiring medical screening. Comparing quotes from multiple no medical exam life insurance companies will help you find a plan that aligns with your needs and budget.

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.

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.

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.

Considering your needs and budget will help you decide which policy best fits you. Consulting with a financial advisor or an insurance agent can also help you make an informed decision about your life insurance coverage.

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 some common questions about this type of policy, you can determine if a life insurance policy with no medical exam is right for you.