No Medical Exam Life Insurance: The 3 Paths and What Each Costs
No needles, no nurse visits, no waiting rooms. "No medical exam" isn't one product — it's three, and picking the right lane is where you save real money: healthy applicants can skip the exam on $250,000 of term for about $20.02/mo at age 40, while $10,000 of no-questions whole life runs about $56.33/mo at 65.
The three no-exam paths
1 · Accelerated-underwriting term life
For healthy applicants wanting large coverage. The carrier buys data (prescriptions, driving record, medical databases) instead of sending a nurse. Biggest coverage, lowest per-dollar cost, decisions in days.
2 · Simplified-issue whole life
A short health questionnaire on the application, nothing more. The standard path for$5,000–$25,000 final expense coverage; specialists in diabetes, COPD, and heart history approve most applicants at standard or better rates. Level benefit from day one.
3 · Guaranteed-issue whole life
No questions, everyone accepted. Costs more and pays a graded benefit during the first two years (premiums back plus interest), then full coverage. The answer for serious health situations.
Real no-exam rates — $10,000 whole life
| Age | Level — non-tobacco | Level — tobacco | Guaranteed issue |
|---|---|---|---|
| Age 50 | $26.33/mo | $37.17/mo | $40.33/mo |
| Age 60 | $44.67/mo | $63.00/mo | $69.67/mo |
| Age 70 | $73.00/mo | $101.33/mo | $115.00/mo |
National estimates — your state page shows local figures.
Find your no-exam lane in 60 seconds
A few health questions sort you into the right product — and show the real monthly number.
Start the 60-Second QuizThe one rule: answer honestly
No-exam coverage is approved on your answers, and carriers can contest a policy for misstatements during the first two years (the contestability window). Honest answers on a simplified-issue application are exactly what makes the day-one full benefit stick. The health questions exist to route you to a better price — not to trap you.
No-medical-exam rates by state
AlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareD.C.FloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyoming
Rate estimates are illustrative, generated by our quoting engine for comparison shopping. Final premiums are set by the carrier you choose after underwriting.