No Medical Exam Life Insurance in North Dakota
"No medical exam" covers three very different products, and picking the right one is where North Dakota shoppers save the most money. At 60, $10,000 of simplified-issue whole life runs about $44.67/mo with nothing more than a health questionnaire; guaranteed-acceptance plans ask nothing at all and run near $69.67. Healthy 40-somethings can even skip the exam on $250,000 of term life — around $19.17/mo — through accelerated underwriting.
No-exam rates, North Dakota — $10,000 whole life
Simplified issue (health questions, no exam) vs guaranteed issue (no questions, 2-year graded benefit).
| 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 |
Estimates from our North Dakota rate card; final pricing depends on your health answers.
Bigger coverage, still no exam
Accelerated-underwriting term for healthy applicants — data replaces the physical.
| Scenario | Typical no-exam range |
|---|---|
| Age 40, $250,000 term, healthy non-tobacco | ≈ $19.17/mo |
| Approval speed | Same-day to a few days |
| Exam needed | None — carriers use prescription, driving & records data |
Availability depends on your health profile; the quiz tells you which lane you're in.
Find your no-exam price in 60 seconds
Answer a few health questions — see which lane you land in and what it costs.
Start the 60-Second QuizWhich no-exam path fits you?
There are three ways to get covered without a medical exam, and they are very different products.
Accelerated underwriting (term life) is for younger, healthy applicants — big coverage, lowest price, no exam because the carrier buys data instead. Simplified-issue whole life asks a handful of health questions on the application, then approves in days. Guaranteed-issue whole life asks nothing — everyone is accepted — but it costs more and pays a graded benefit during the first two years.
Our 60-second quiz sorts you into the right lane and shows the real monthly number for North Dakota before you hand over contact details.
The honesty clause that protects you
Answer the health questions truthfully — it matters. Carriers can contest a policy for misstatements during the first two years (the contestability window). Honest answers on a simplified-issue application are what make the day-one full benefit stick. And because coverage decisions are algorithmic for these plans, approvals are fast: often the same day you apply.
Every carrier and agent offering these plans in North Dakota is licensed through the North Dakota Insurance Department — worth a two-minute check before you sign, and remember you typically have a 30-day free look to cancel any new policy for a full refund.
Common questions from North Dakota shoppers
Can I really get life insurance in North Dakota with no medical exam?
Yes — three ways: accelerated-underwriting term (healthy applicants, large coverage, no exam), simplified-issue whole life (health questionnaire, no exam, decisions in days), and guaranteed-issue whole life (no questions at all, everyone accepted, two-year graded benefit).
How much does no-exam life insurance cost in North Dakota?
For $10,000 of simplified-issue whole life, roughly $26.33/mo at age 50, $44.67/mo at 60, and $73.00/mo at 70 for non-tobacco applicants. Guaranteed-issue runs higher. Term through accelerated underwriting can be far cheaper per dollar of coverage if you're healthy.
Is no-exam coverage as good as coverage with an exam?
The death benefit is identical once issued — cash to your beneficiary, same protections, same regulation. The difference is underwriting: exam-free plans price a bit higher to offset the unknowns, or (for accelerated underwriting) rely on data instead of a physical.
What if I have health conditions?
Simplified-issue carriers specialize in conditions like diabetes, high blood pressure, COPD, and past heart issues — many applicants land standard or better rates anyway. If not, guaranteed issue accepts everyone. The health questions in our quiz route you to the right lane in under a minute.
How fast can I be covered?
Simplified-issue and guaranteed-issue approvals commonly arrive the same day or within 48 hours, with coverage active from your first payment. Accelerated term can take a few days while the carrier reviews prescription and records data — still no exam.
Does "no exam" mean no questions?
Not always. Simplified issue asks several health questions but never requires an exam, labs, or doctor visits. Guaranteed issue asks nothing. Accelerated underwriting asks full application health questions but skips the physical. All three are exam-free.
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Rate estimates are illustrative, generated by ShopVolt Works' quoting engine for comparison shopping. Final premiums are set by the carrier you choose after underwriting. ShopVolt Works is an independent comparison service, not an insurer, and is not affiliated with any insurer or advertiser.