The 6 Best No Medical Exam Life Insurance Companies

We recommend the simplest products through an independent review process, and advertisers don’t influence our picks. If you visit partners we promote, we may get money. For further information, please see our advertiser disclosure. No checkup life insurance is not a type of policy; instead, it refers to the underwriting of the policy. You’ll get no medical exam life insurance coverage for term life, whole life, and final expense policies, and because of technological advancements, some companies offer coverage with rates similar to traditionally issued life insurance. The greatest no medical exam life insurance policies are inexpensive and simple to obtain. We researched over twenty-four life insurers in the US to seek out the ones that offer no medical exam life insurance policies. We then compared their pricing, application process, underwriting requirements, waiting periods, coverage choice, and company reputation to seek out the best options for you.

The 6 Best No checkup Life Insurance Providers of 2022

Best Overall: Haven Life Runner-Up, Best Overall: Mutual of Omaha Best for No Waiting Period: Transamerica Best for Seniors: NY. Life AARP Best Instant Issue With Perks: John Hancock Best for Accelerated Underwriting: Lincoln Financial

Best No checkup Life Insurance Providers

  • Haven Life

  • Mutual Of Omaha

  • Transamerica

  • New York Life AARP

  • John Hancock

  • Lincoln Financial

  • Final Verdict

  • Compare Providers

  • What Is No Medical Exam Life Insurance?

  • What Does No checkup Life Insurance Include?

  • What Does No Checkup Life Insurance Cost?

  • Methodology

1.BEST OVERALL - Haven Life


Why We Chose It

Haven is our top overall pick for a life assurance policy with no medical exam required. Haven offers straightforward life assurance plans with instant-issue policy options and an easy online application process.

Pros And Cons

  1. Accelerated death benefits
  2. Easy online application and paperless processing
  1. Only available to customers 65 and under, 55 and under for fast issue
  2. Not available in some states


CM Life, a subsidiary of MassMutual, a top-ranked life insurer founded in 1851, is underwriting Haven Life products as of July 2021. MassMutual has an AM Best rating of A++ (Superior) and is the third-largest writer of individual life insurance in the U.S.Although Haven Life is still in its early stages, its cooperation with MassMutual strengthens its stability and dependability. Haven Life is our top pick for the best no-medical life assurance because of the instant-issue policy options and ease of use in applying for coverage online. Their no checkup policies offer the same benefits of a medically underwritten policy due to their advanced underwriting system, supplying you with an advantage in pricing over other no-medical exam options. Haven Life’s no checkup policy called Haven Simple. It's a term life insurance policy with periods of 5, 10, 15, or 20 years. The range of coverage is from $25,000 to $500,000. The coverage is available to those aged 20 to 55. It is not accessible in California, Delaware, South Dakota, North Dakota, or New York. Haven Simple comes with the subsequent additional features: level premiums, accelerated benefit, paperless processing, no obligation free-look period, and MasterCard payments are accepted. Haven Simple never requires a checkup. However, you’ll save money by purchasing their other product that does require an exam, depending on your health situation. The life assurance policies are individual-issue only. You can easily get a quote online. Pricing will vary depending on a number of criteria like age, gender, state, cigarette usage, and more.

2.RUNNER-UP, BEST OVERALL - Mutual of Omaha


Why We Chose It

We chose Mutual of Omaha as our overall runner-up for no checkup life insurance. Mutual Omaha offers flexible policies that are available even to people of advanced ages.

Pros And Cons

  1. Mutual Perks program
  2. Good for senior citizens
  1. Limited whole life assurance options


Founded in 1909, Mutual of Omaha is understood for its guaranteed-issue whole life and simplified issue term life policy options. The corporation ranked fifth for overall individual life insurance customer satisfaction in the JD Power 2020 US life assurance Study. The corporation has a very low incidence of complaints about individual life insurance with the National Association of Insurance Commissioners (NAIC). Still, the corporate overall has a slightly above average incidence of complaints. Their financial strength rating by AM Best is A+ (Superior). Mutual of Omaha is our runner-up for best overall no checkup life insurance provider due to its solid reputation and for providing both permanent and term life no medical policies, a number of which include valuable riders at no additional charge. Guaranteed issue whole life is restricted to those 45-85 years old, but term life policies could also be available to those aged 18-80. Mutual of Omaha offers three no checkup life insurance policies: the Guaranteed-Issue Whole Life policy, the Term Life Express policy, and therefore the Children’s Whole Life policy. Which policy you decide on will be based on factors like your age, where you reside, the payout terms you’d like, how long of a term you’d prefer, and whether or not you would like any policy riders. Prices for all times insurance vary with a number of factors, including tobacco use, age, state, and more. You’ll get quotes on Mutual of Omaha’s website or contact an agent. to urge the most accurate quote on the policy you want, you ought to speak with an agent. The website does not specify the type of term coverage being quoted.  


  • PLANS: 5
  • ISSUE AGES: As high as 85

Why We Chose It

Transamerica is a great option if you’re looking for a life insurance policy without a waiting period. The firm provides policies that pay the entire death benefit without requiring a waiting period.  

Pros And Cons

  • No waiting period
  • Level premium guarantees
  • Average pricing
  • No online application


Transamerica is our top choice for the finest no medical exam life insurance company with no waiting period because two of their no medical exam plans pay the entire death benefit without a waiting period or graded death benefit. They also offer the possibility of both whole life and term insurance without medical exams for qualifying individuals and a good selection of living benefit options to add to their policies, some of which are free. Transamerica provides three last expenditure insurance products with no exam and the option of not needing an exam for the select term and whole life policies. 10-Pay Solution, Immediate Solution, and Easy Solution. They have no waiting period, no exams or labs, and no increase in the premiums as you age. The final expense policies have accelerated death benefit riders and nursing home benefits as well. You can also cover additional insureds like children or grandchildren. Transamerica exclusively provides ultimate expenditure policy quotations online.  


  • PLANS: 3
  • ISSUE AGES: Up to 80

Why We Chose It

We chose New York Life AARP as the best no medical exam life insurance plan for seniors. The plan is available to older customers up to age 80.

Pros And Cons

  • Available to seniors
  • Guaranteed acceptable policies are available
  • The low maximum coverage limit
  • Must be an AARP member


New York Life, founded in 1845, is one of the highest-ranking insurers in our 2020 life insurance evaluations, with an AM Best Rating of A++ (Superior) and extremely low NAIC complaints.In recent customer satisfaction surveys, the company scores better than most other life insurers. We selected NY life as the best no medical exam life insurance for seniors due to its good reputation. The firm offers three distinct no-medical exam life insurance alternatives to AARP members. New York Life offers three plans: Level Benefit Term Life, Permanent Life Insurance, and Easy Acceptance. Which one you choose is determined by your age, the coverage you require, the premium you can afford, and the amount of benefit you choose. The Level Benefit Term and Permanent policies do have health questions you must answer to qualify. The Easy Acceptance policy only has one yes-or-no question to qualify. A perpetual life policy with no medical exam can also be purchased to insure a small kid or grandchild (up to 17 years old). You can get an online quote whether you’re an AARP member or not. Coverage is available to AARP members ages 50 to 74 and their spouses/partners ages 45 to 74 for term life. Term life coverage can be held up until age 80. Permanent life policies, including guaranteed issues, are issued to people as old as 80 and can be held for life. If you are not a member, the $16 membership cost is added to the price of your policy. Higher coverage options may also be available by calling an agent at New York Life.


  • PLANS: 3
  • ISSUE AGES: Up to 90

Why We Chose It

John Hancock is a great option if you’re looking for an instant-issue life insurance policy with plenty of perks. The insurer offers a simple underwriting policy and benefits for healthy lifestyle choices.

Pros And Cons

  • Health-related benefits programs
  • Good for smokers and people with diabetes
  • No option to convert term to permanent


John Hancock was founded in 1862 and offered term and universal life insurance, including a few options for no medical exam life insurance. The company has an AM Best rating of A+ (Superior).15 It is the seventh-largest writer of individual life insurance in the US and has a very low level of complaints year after year 1617 We chose John Hancock as the best instant issue no medical exam life insurance provider because they offer both a simplified underwriting policy that allows instant issuance online with the health-related perks and benefits of the Vitality program and specialized plans for smokers and diabetics. John Hancock offers at least one no medical exam life insurance policy. Simple Term with Vitality is a simplified underwriting instant issue policy with coverage available for those ages 20 through 60. The policy offers varying terms from 10 to 30 years, depending on your age, and you can have an instant decision on your application. Coverage is issued online for amounts from $25,000 to $500,000. In addition to the no medical exam life insurance policies, John Hancock is the only insurance company of the ones we reviewed that offers discounts and rewards for a healthy lifestyle and physical activity. For example, through the Vitality program, the company offers a quit-smoking incentive program that allows you to pay non-smoker rates on some of their policies for up to three years. John Hancock offers term life insurance quotes online. You furthermore may have an option to talk with one of their advisors.  


  • PLANS: 6
  • ISSUE AGES: Up to 80

Why We Chose It

Lincoln Financial is our top pick for a life assurance policy with accelerated underwriting. This suggests that a policy from Lincoln is available even more quickly than policies from other providers.

Pros And Cons

  1. Simplified underwriting is available for those aged 60 and younger
  2. Insurance options for people with health issues
  1. No whole life assurance options
  2. No online application


In business since 1905, Lincoln Financial Group underwrites life assurance through the Lincoln National Life Insurance Company and Lincoln Life and Annuity Company of New York. The corporation has an AM Best financial strength rating of A+ (Superior).19 it’s an excellent reputation and the lowest levels of complaints we have seen for a life insurer. We chose Lincoln Financial Group because of the best no medical exam life insurance for accelerated underwriting due to its low levels of complaints and its ability to provide a lab-free process for healthy individuals. Additionally, they need insurance options for people with certain health conditions (with exams or labs). Lincoln Financial Group provides term life, universal life, and variable universal life assurance products as well as underwriting advantages for certain medical conditions. Although you’ll expect an online or telephone interview to provide your medical history, for healthy people ages 18 to 60, there’s a possibility of having lab-free consideration, which suggests if you pass the initial interview, Lincoln Financial will waive the lab testing. Lincoln Financial Group offers two term plans: the Lincoln Term Accel Level Term Plan and the Lincoln LifeElements Level Term Plan. The previous is best for those ages 60 or younger, and coverage is between $100,000 to $1 million. The latter offers coverage with a minimum amount of $250,000. The utmost is subject to individual consideration. Term Accel coverage is out there for 10-,15-, and 20-year terms for those ages 18 through 60 years old. A 30-year term is out there up to age 55 for non-smokers (50 for smokers). LifeElements has identical restrictions for a 30-year term but issues to higher ages for 10-, 15-, and 20-year terms. The policies offer accelerated benefit riders, children’s level term riders, and a waiver of premium riders; therefore, the policies also have conversion options.

Final Verdict

While life assurance is a smart way to protect your assets and provide for your family, policies that include a required medical exam can be a major hassle. If you’ve got any health issues, a checkup may even raise your premiums and make policies even more expensive. Luckily, there are many options when it comes to life insurance that don’t require a medical exam. Haven Life is our top pick in this category. Haven Life offers affordable life assurance policies without a required medical exam for customers up to 55 years of age. The corporation only offers term life insurance. Haven Life is owned by MassMutual and features instant-issue policy options with a simple online application process.

What Is No Medical Exam Life Insurance?

No checkup life insurance is a type of life insurance policy you can obtain without undergoing a medical exam. Although the foremost commonly known form of no medical life insurance is what’s known as guaranteed issue life insurance, other sorts of no medical life insurance use medical underwriting but do not necessitate lab work or a test, such as: Simplified issue Accelerated underwriting Algorithmic underwriting Note that no checkup life insurance does not refer to a type of insurance but rather the process by how the insurance company determines whether or not it will insure you (commonly known as underwriting). No checkup life insurance underwrites the policy without requiring a doctor visit or lab work, but there could be medical questions asked, and policy issuance isn’t guaranteed.

What Does No checkup Life Insurance Include?

Since there are various sorts of no medical exam life insurance, what’s included in your policy will depend on the type of policy you purchase and the features each insurance company includes in the plan. For instance, most permanent or whole life assurance options offer both a death benefit and cash values that you can borrow from over time. If you buy a no medical exam term life insurance policy, there’ll not be any cash values, but you’ll have a death benefit for a set time (the term). And additionally, to the basic life insurance coverage, some insurers offer insurance riders or perks to supplement the insurance plan. Accelerated benefit riders can include options to access the death benefit even while you’re still alive if you get a critical, terminal, or chronic illness. Many more optional riders are available that can help you cover costs temporarily, like sudden employment. These riders aren’t standard among all insurers.

What Does No Checkup Life Insurance Cost?

No checkup life insurance can be more expensive than traditional medically underwritten life insurance, especially in the case of guaranteed issue policies that use no medical underwriting. Life assurance with a medical exam has a lower cost because the insurance company has a more accurate picture of your health. Fortunately, thanks to technological advances and the medical information available to life insurers when you authorize them to access your medical records, you’ll still get good rates on coverage with simplified, accelerated, or algorithmic underwriting that uses medical underwriting. There are some significant advantages to picking no medical exam life insurance over traditional-issue life insurance. One among those is the time it takes to underwrite and issue a policy. No checkup policies that use simplified or accelerated underwriting are generally issued much faster than policies that use traditional medical underwriting, sometimes reducing the time from 45 to 60 days to immediate coverage. Depending on whether the policy and insurer you choose to use medical underwriting as part of the process, you’ll even be able to get very similar pricing to traditional issue policies.


To choose the best no medical exam life insurance providers, we checked out over two dozen of the top life insurance companies and checked how many options they offered for no medical exam life insurance. Instead of sticking to insurers who only offered guaranteed issue policies, we also searched for no medical exam options that were more affordable, provided simplified issue, instant issue, and accelerated or algorithmic underwriting. Once we identified the businesses offering no medical exam coverage options, we looked into company stability and financial strength through AM Best, the corporate complaints history with the National Association of Insurance Commissioners, consumer reviews, and independent surveys like the JD Power 2020 US life assurance Study, and online customer reviews. Our top choices showed the foremost stability and offered numerous policy options with varying coverage at affordable prices.

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