Best No-Exam Life Insurance Companies (2026)

Pacific Life is the best no-exam life insurance provider for term policies with high coverage limits and competitive rates. Their accelerated underwriting lets you secure up to $3 million in coverage between ages 18 and 60, more than double what most competitors allow without an exam.

Premium costs rank second lowest in our review. Women age 40 pay $39 monthly for 20-year term coverage at $500,000, while men the same age pay $47. Financial stability backs these rates with an A rating from A.M. Best and a NAIC complaint index of just 0.08. Accelerated death benefits for terminal illness come standard at no extra charge. Riders let you add child term coverage, disability waiver of premium and guaranteed insurability options.

• A.M. Best rating: A
• NAIC complaint index: 0.08
• J.D. Power score: 657 (7th)
• Customer sentiment: 72% positive, 28% negative

• Max coverage: $3 million without medical exam
• Medical exam required: No
• Terms available: 10-30 years
• Ages supported: 18-75
• Riders and options: Accelerated death benefit, child term rider, waiver of premium, accidental death benefit, guaranteed insurability, conversion options

Lincoln Financial is the cheapest no-exam life insurance company, with average monthly rates of $31 for women and $38 for men. These competitive rates make Lincoln Financial an accessible option for applicants who might face higher premiums elsewhere due to health considerations.

Lincoln Financial offers up to $1 million in coverage without a medical exam between ages 18 and 60, which is adequate for most applicants. The company uses accelerated underwriting to streamline the approval process, allowing you to secure coverage quickly without the hassle of a traditional medical exam.

• A.M. Best rating: A
• NAIC complaint index: N/A
• J.D. Power score: 652 (10th)
• Customer sentiment: 50% positive, 50% negative

• Max coverage: $1 million without medical exam
• Medical exam required: No
• Terms available: 10-30 years
• Ages supported: 18-60 without medical exam
• Riders and options: Accelerated death benefit

Nationwide is MoneyGeek's top choice for customer experience among no-exam life insurance companies. It ranks fifth overall in J.D. Power's satisfaction survey with a score of 666 and holds A+ ratings from both the BBB and A.M. Best. 

No-exam coverage caps out at $1.5 million for people between 18 and 55 years old. A 40-year-old woman will pay around $45 per month for a 20-year term policy at $500,000 coverage, while a 40-year-old man will pay $56. 

It offers multi-product bundling, which lets you integrate life insurance with other Nationwide products for savings. It also offers riders like accelerated death benefits, child term coverage, disability waiver of premium and return of premium options on select policies.

• A.M. Best rating: A+
• NAIC complaint index: N/A
• J.D. Power score: 666 (5th)
• Customer sentiment: 77% positive, 23% negative

• Max coverage: $1.5 million without medical exam
• Medical exam required: No
• Terms available: 10-30 years
• Ages supported: 18-55
• Riders and options: Accelerated death benefit, child term rider, waiver of premium, accidental death benefit, return of premium, guaranteed insurability, multi-product bundling with other Nationwide products

Gerber Life is a strong choice for families seeking multiple no-exam life insurance policies. Term coverage is available for applicants ages 18 to 70, while no-exam whole life coverage is offered for ages 50 to 80. Child coverage can be added through rider options.

For 40-year-olds, 20-year term coverage of $500,000 costs about $46 per month for women and $52 for men, roughly in line with industry averages. The provider's no-exam term policies have a maximum coverage of $1 million, while their guaranteed whole life insurance policies go up to $25,000. Gerber Life holds an A+ rating from A.M. Best, reflecting strong financial stability. Additional riders include accelerated death benefits for terminal illness, specialized child coverage, and guaranteed insurability options.

• A.M. Best rating: A+
• NAIC complaint index: N/A
• J.D. Power score: N/A
• Customer sentiment: 81% positive, 19% negative

• Max coverage: $1 million without medical exam (Term), $25,000 (Guaranteed Whole)
• Medical exam required: No
• Terms available: 10-30 years (Term)
• Ages supported: 18-70 (Term), 50-80 (Guaranteed Whole)
• Waiting Period (Guaranteed Whole): N/A
• Riders and options: Accelerated Death Benefit, Child Coverage, Guaranteed Issue Options

Assurity is the best no-exam life insurance for seniors, earning top overall scores for 60-year-olds with rates 19% to 21% below the industry average for this age group. 60-year-old women pay $229 monthly for a 20-year term policy at $500,000 in coverage, while 60-year-old men pay $330. Assurity combines these competitive rates with comprehensive rider options, including accelerated death benefits at no charge for terminal illness. You can renew coverage to age 99, though an exam is required after age 65.

Their coverage limits depend on your age, with a maximum of $1 million for people between 18 and 50, or $500,000 in coverage for people between 51 and 65. Assurity accepts no-exam applicants up to age 65 and uses accelerated underwriting as their standard approval process. They hold an A- rating from AM Best and an A+ from BBB, with a MoneyGeek customer experience score of 4.5 out of 5.

• A.M. Best rating: A-
• NAIC complaint index: 0.638
• J.D. Power score: N/A
• Customer sentiment: 85% positive, 15% negative

• Max coverage: $1 million without medical exam
• Medical exam required: No
• Terms available: 10-30 years
• Ages supported: 18-75
• Riders and options: Accelerated death benefits rider, return of premium rider, accident only disability income rider, critical illness rider, disability income rider, level term rider

Ethos ties with Pacific Life for the highest term coverage limit without an exam, up to $3 million. Ethos edges ahead with a broader age range that extends to 69 for term policies and 85 for whole life. They also scored a perfect 5 out of 5 for both customer experience and coverage, showing they deliver on both service and product quality.

A 40-year-old woman pays about $54 per month for a 20-year term policy at $500,000 in coverage, while a 40-year-old man pays $71. While these rates are higher than other options in our list, their financial strength and customer experience scores may make the extra cost worth it. Ethos also offers no-exam whole life insurance up to $20,000 for ages 55 to 85 for additional flexibility. Another unique perk is that all policyholders get free access to wills and estate planning tools, including resources to create a will, trust, power of attorney and more.

• A.M. Best rating: A+
• NAIC complaint index: N/A
• J.D. Power score: N/A
• Customer sentiment: 95% positive, 5% negative

• Max coverage: $3 million without medical exam (Term), $20,000 (Guaranteed Whole)
• Medical exam required: No
• Terms available: 10-40 years (Term)
• Ages supported: 18-69 (Term), 55-85 (Guaranteed Whole)
• Waiting Period (Guaranteed Whole): If death occurs from non-accidental causes within the first 2 years, beneficiaries receive 100% of premiums paid plus 30%.
• Riders and options: Accelerated death benefit, free will and estate planning tools