By Richard Reich | Independent Life Insurance Broker | CA License #0832938 | Specializing in accelerated and simplified underwriting
By Richard Reich | Independent Life Insurance Broker | CA License #0832938 | 30+ years specializing in impaired risk and high-risk life insurance placements.
No-exam life insurance is coverage that doesn’t require a medical examination — no blood draw, no nurse visit, no urine sample. Instead, carriers use electronic health records, prescription drug history, motor vehicle reports, and MIB data to assess your risk. In today’s market, no-exam policies are often priced competitively with fully underwritten policies, and coverage is available up to $3,000,000 with some carriers. Approval can come in days rather than weeks.
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No-exam life insurance lets you get covered without scheduling a medical appointment, giving blood, or waiting weeks for lab results. Instead, carriers use your prescription drug history, MIB records, and motor vehicle reports to make an underwriting decision — often within minutes to 24 hours.
Coverage up to $3,000,000 is available for healthy applicants under 60, and premiums are frequently comparable to fully underwritten policies. If you value speed, privacy, and convenience, no-exam life insurance is worth a close look.
Use the quote tool above to compare rates from 40+ A-rated carriers instantly — no name, phone number, or email required.
No-exam life insurance is coverage that doesn’t require a medical examination — no blood draw, no nurse visit, no urine sample. Instead, carriers use electronic health records, prescription drug history, motor vehicle reports, and MIB data to assess your risk. In today’s market, no-exam policies are often priced competitively with fully underwritten policies, and coverage is available up to $3,000,000 with some carriers. Approval can come in days rather than weeks.
At LifeInsure.com, you can compare no-exam quotes from 40+ A-rated carriers without entering your name, phone number, or email address. Browse freely and apply when you’re ready.
When you apply, the carrier pulls data from several sources to evaluate your health profile:
The underwriting algorithm evaluates this data and returns a decision — often within minutes, sometimes within 24-72 hours. No exam, no waiting weeks for lab results.
One important caveat: accelerated underwriting algorithms are stricter on prescription history than a human underwriter would be. A medication that’s a non-issue in full underwriting can trigger a rating or decline in an automated system. If you’ve had significant prescriptions in the last 5 years, it’s worth calling us before applying online.
The gold standard. Uses electronic data to underwrite a full term life policy at competitive rates. Coverage up to $3M+ for healthy applicants under 60. This is what most of our clients use.
Requires answers to a short health questionnaire but no exam. Faster approval, slightly higher premiums, lower coverage limits (typically up to $500,000). Good for applicants with mild health conditions.
No health questions, no exam, guaranteed approval. Coverage is limited (usually $25,000–$50,000) and premiums are higher. Designed for seniors or applicants with serious health conditions who can’t qualify for other coverage. There’s typically a 2-year waiting period before the full death benefit is paid.
It may not be the right fit if you need more than $3–4 million in coverage, have significant health history, or have had multiple prescriptions in the last 5 years. In those cases, a fully underwritten policy often delivers better pricing and a higher chance of approval. We can help you decide which path makes more sense.
| COMPANY | MAX COVERAGE | MAX ISSUE AGE | APPROVAL SPEED | HEALTH REQUIREMENTS |
|---|---|---|---|---|
| Banner Life | Up to $5 million | 60 | Instant decision for many appllicants | No major medical conditions |
| Lincoln Financial | Up to $2.5 million | 60 | 48 - 72 hours | No major medical conditions |
| Pacific Life | Up to $3 million | 60 | 48 - 72 hours | Standard or better health c;lassifications |
| Protective Life | Up to $2 million | 60 | 48 - 72 hours | Relatively good health |
| Symetra Life | Up to $2 million | 60 | 48- 72 hours | Relatively good health |
Richard Reich, CEO and Senior Insurance Broker at Intramark Insurance Services, Inc.
In my experience, no-exam underwriting has improved dramatically since 2020. Carriers that once capped coverage at $250,000 now routinely offer $1M+ without an exam for applicants under 60 in good health. The catch is that accelerated underwriting algorithms are unforgiving on prescription history — a medication that would be a non-issue in full underwriting can trigger a decline or rating in an automated system. If you’ve had any significant prescriptions in the last 5 years, it’s worth having a broker run your case manually before you apply.
Reviewed and written by: Richard Reich, CEO and Life Insurance Broker 25+ Years Experience
This content has been reviewed for accuracy and compliance with current insurance standards.
President, LifeInsure.com · Independent Life Insurance Broker
In my 30+ years as an independent life and disability insurance broker, I have personally assisted thousands of clients with their life and disability insurance needs.
Being independent, I represent many highly-rated insurance companies and, because I am not beholden to any one insurance company, my focus is to find the right company and policy for each individual client.
I believe that when people shop for insurance (or anything else, for that matter) on the Internet, they are looking for a simple, non-intrusive, non-pressure method of doing so.
I strive to treat my prospective clients with the utmost respect and I believe an educated prospect can make the right decision without sales pressure.
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