What is no medical exam term life insurance?

This type of policy is similar to traditional term life insurance you may be familiar with, but it does not require you to take a medical exam as part of the application process.* You may be asked to answer a few general health questions, but you can avoid the invasive medical exams entirely.

Coverage amounts may range from $100,000 to $1,000,000.

Who needs no medical exam term life insurance?

No medical exam term life insurance may be right for you if you:

  • Don’t want to submit to a medical exam*
  • Are looking for a policy with a lower coverage amount
  • Don’t have any major health issues

And because there is no medical exam, these policies sometimes have quicker policy approval than fully underwritten policies.

69% of people

would have trouble paying living expenses in two years or less if they were to lose their primary wage earner.2

How much do you need in life insurance coverage?

The answer is different for everyone, but take a look at some average expenses your family could be responsible for covering.

Median cost of a funeral3
$7,181
+
Average amount owed by households with debt4
$134,058
Total
$141,239

Your life insurance needs could be different, so always speak with a licensed insurance agent before making a purchasing decision.

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Top Questions

How does this type of term policy differ from a traditional term life insurance policy?

Traditional term life insurance policies usually make you take a medical exam as part of the application process, whereas no medical exam term policies do not.* Both types of policies provide coverage for a set amount of time, meaning they do not cover you for your entire life.

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We are committed to providing consumers with objective, easy-to-understand information that will arm them with the information they need to make informed decisions about their life insurance coverage. Whether you choose to browse our wealth of resources, or speak with one of our licensed insurance agents, you’ll walk away with more knowledge than when you started.

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No, the resources and guidance offered by LifeInsurance.org are completely free, and there is no obligation to purchase a policy.

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