In 2022,there are nine best no medical exam life insurance policies

Our top picks for no checkup life assurance offer a variety of coverage amounts, available to both younger and older applicants. Looking for the simplest no checkup life insurance? Here are our top nine policies from highly rated U.S. insurers. A number of these policies guarantee acceptance no matter your health, while others require you to answer a couple of health inquiries to qualify for coverage. But regardless of things, they never require a checkup. Why you'll trust Us: Our writers and editors follow strict editorial guidelines to ensure the content on our site is accurate and fair. You’ll make financial decisions confidently and choose the products that employment best for you.

Best no checkup life assurance

The following insurers earned a rating of a minimum of 4 out of 5 stars. We grade businesses based on their customer service, financial stability, and complaint statistics. The ability of an insurer to pay claims in the future can be determined by its financial strength. A coffee number of consumer complaints means you and your life assurance beneficiaries are likely in good hands.

How we ranked the highest life insurers

Our life assurance ratings are supported by consumer experience, complaint index scores from the National Association of Insurance Commissioners for individual life assurance, and weighted averages of financial strength ratings, which indicate a company’s ability to pay future claims. Within the buyer experience category, we consider simple communication and website transparency, which looks at a depth of policy details available online. To compute each insurer's rating, we converted the data to a curved 5-point scale. These ratings are a guide, but we encourage you to buy around and compare several insurance quotes to seek out the simplest rate for you. We don’t receive compensation for any reviews. Best no checkup life assurance policies Learn more about each company in our top list by reading the brief summaries below.

Haven Life

"Excellent for online shopping: The company's website is informational and user-friendly, making it simple to shop for coverage."
  • Policy type: Term.
  • Policy name: Haven Simple.
  • Issue age: 20 to 55.
  • Coverage: $25,000 to $500,000.
  • Medical: No exam, but you'll need to answer questions on your health.

AARP

  • Policy type: Term.
  • Policy name: Level Benefit Term life assurance.
  • Issue age: 50 to 74 (AARP members).
  • Coverage: $10,000 to $100,000.
  • Medical: No exam, but you'll need to answer questions on your health.
  • Policy type: Whole.
  • Policy name: Guaranteed Acceptance life assurance.
  • Issue age: 50 to 80 (AARP members).
  • Coverage: Up to $25,000.
  • Medical: No health questions or exams.

USAA

"Great for military personnel: USAA policies are usually adapted to military needs."
  • Policy type: Whole.
  • Policy name: Guaranteed Whole life assurance.
  • Issue age: 45 to 85.
  • Coverage: $2,000 to $25,000.
  • Medical: No health questions or exams.

Country Financial

"A wide range of life assurance riders are frequently added to both term and whole life policies, allowing you to personalize your coverage."
  • Policy type: Term or whole.
  • Policy name: Simplified life assurance.
  • Issue age: 50 or younger.
  • Coverage: Up to $100,000.
  • Medical: No exam, but you'll need to answer questions on your health.

Nationwide

"This policy is great for accessibility because all candidates must be under the age of 80."
  • Policy type: Whole.
  • Policy Name: Nationwide YourLife Simplified.
  • Issue age: 80 or younger.
  • Coverage: $10,000 to $50,000.
  • Medical: No exam, but you'll need to answer questions on your health.

Erie Insurance

"Term and whole life plans both come with a no-cost expedited benefit rider."
  • Policy type: Term or whole.
  • Policy name: ERIExpress Life.
  • Issue age: 18 to 55.
  • Coverage: $10,000 to $500,000.
  • Medical: No exam, but you'll need to answer questions on your health.

American Family

"The coverage ceiling on whole life plans is $15,000, which can assist pay for final expenses like burial costs."
  • Policy type: Term.
  • Policy name: DreamSecure Simplified Term Life.
  • Issue age: 18 to 60.
  • Coverage: $50,000 to $150,000.
  • Medical: No exam, but you'll need to answer questions on your health.
  • Policy type: Whole.
  • Policy name: DreamSecure Senior Whole Life.
  • Issue age: 50 to 80.
  • Coverage: $10,000 or $15,000.
  • Medical: No exam, but you'll need to answer questions on your health.

Bestow

"Excellent for high-value coverage: death benefits can exceed $1.5 million."
  • Policy type: Term.
  • Policy name: Bestow Term.
  • Issue age: 18 to 60.
  • Coverage: $50,000 to $1.5 million.
  • Medical: No exam, but you'll need to answer questions on your health.

John Hancock

“Great pick if you would like a fast decision: Applications are often processed in five to 10 minutes.”
  • Policy type: Term.
  • Policy name: Simple Term.
  • Issue age: Up to 60.
  • Coverage: Up to $500,000.
  • Medical: No exam, but you'll need to answer questions on your health.

Alternatives to no checkup life assurance

In general, the coverage that skips the exam is often pricey. So if you’re young and healthy, you'll want to think about a policy with full medical underwriting. Suppose you’re trying to find a fast application process. In that case, you'll want to think about instant life assurance, which uses big data and sophisticated algorithms to calculate risk and reserves the proper to invite an exam.

Insurer complaints methodology

We examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2018-2020. To assess how insurers compare to at least one another, the NAIC calculates a complaint index annually for every subsidiary, measuring its share of total complaints relative to its size or share of total premiums within the industry. To gauge a company’s complaint history, we calculated an identical index for every insurer, weighted by market shares of every subsidiary, over a three-year period. Auto, house (including renters and condos), and life insurance ratios are all calculated independently.

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