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No-Medical-Exam Life Insurance

Get covered fast. No needles, no waiting.

Real life insurance with a few health questions instead of a medical exam in most cases — many applicants are approved in days. See if you qualify.

  • No medical exam in most cases* — just health questions
  • Fast decisions — often within days*
  • Term and permanent options available
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*In most cases. Not guaranteed — applications are subject to eligibility, underwriting, and carrier approval.

Independent & licensed We compare multiple trusted insurance companies Free, no-obligation quotes · Se habla español
No-Exam Life Insurance — American Insurance

We compare top-rated life insurance companies

American AmicableAmeritasLincoln FinancialCorebridgeNationwideManhattanLifeMutual of Omaha
No-Exam Life Insurance
What it is

Coverage without the medical exam

No-exam life insurance skips the blood draw and physical in most cases, using your answers and data the carrier already has — decisions can come quickly, sometimes the same day.*

See If You Qualify Call (801) 531-2060
No-Exam Life Insurance
What it covers

What No-Exam Life Insurance includes

Every policy is shopped across multiple trusted insurance companies — so you compare real options side by side.

  • No medical exam*
  • Fast approval*
  • Term or permanent
  • Real death benefit
  • Convenient process

*In most cases. Not guaranteed — applications are subject to eligibility, underwriting, and carrier approval.

See If You Qualify Call (801) 531-2060
No-Exam Life Insurance
Is it right for you

Is no-exam life right for you?

No-exam coverage fits when you value speed and convenience.

  • Busy people who don’t want a clinic visit
  • Anyone who wants coverage in place quickly
  • Those uncomfortable with medical exams
  • Generally healthy applicants seeking simplicity
See If You Qualify Call (801) 531-2060
No-Exam Life Insurance
Why American Insurance

An independent agency working for you

We work for you — not the insurance companies — to find the right coverage at the right price.

  • We shop multiple trusted insurance companies — you get the best rate, not one company’s pitch.
  • Real licensed advisors — no call centers, no pressure.
  • Free, no-obligation quotes. Se habla espanol.
See If You Qualify Call (801) 531-2060
Questions

Frequently asked questions

How can I get life insurance with no medical exam?
No-exam policies use your application answers, prescription and medical databases, and motor-vehicle records instead of a paramedical visit and bloodwork. Approval can come in minutes to a few days rather than weeks. We work with several carriers that specialize in no-exam coverage and shop them for you.
Is no-exam life insurance more expensive?
It can carry a modest premium for the convenience and faster underwriting, but the gap has narrowed a lot — and for healthy applicants the difference is often small. Because pricing varies widely between carriers, shopping is the key to a competitive no-exam rate. We compare top-rated companies so you don't overpay for speed.
How much coverage can I get without an exam?
No-exam coverage amounts have grown significantly — many carriers now offer substantial death benefits without bloodwork for healthy applicants. The available amount depends on your age and health profile. We'll find the highest no-exam amount you qualify for, and compare it to a fully-underwritten option if that's a better value.
Will I still be asked health questions?
Usually yes — most no-exam policies ask health and lifestyle questions and check medical and prescription databases. Answer honestly; misstatements can void a claim. The difference is there's no in-person exam or lab work, which is what speeds everything up.
How fast can I actually be covered?
For many no-exam products, you can apply and receive a decision the same day, with coverage starting almost immediately once approved. It's one of the fastest ways to protect your family. We'll point you to the carrier with the best mix of speed, amount, and price.
More life insurance

Explore other life insurance options

← All Life InsuranceTerm Life InsuranceWhole Life InsuranceIndexed Universal Life (IUL)Final Expense InsuranceCritical Illness CoverageChronic Illness Benefits

Ready for coverage that fits your life?

Get a free, no-obligation quote in minutes — or talk to a licensed advisor today.

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Schedule A Call With A Licensed Advisor

Pick a time that works for you — free, no obligation.

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Advisors Available Now
You’ll speak with Raiza, Daniela, Janalyn or Karla — licensed advisors, not a call center.
  • Takes about 60 seconds
  • No obligation
  • Licensed advisor
  • We compare multiple companies

Prefer to talk now? Call (801) 531-2060.

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