No medical exam life insurance is a type of coverage that uses medical records and other digital resources to determine eligibility. These are our top picks for best no-exam life insurance.

Life insurance buyers looking for affordable no-exam life insurance rates should consider Pacific Life. It has some of the lowest rates for 30- and 40-year-olds among competitors.

Not all insurance companies offer no-exam policies for whole life, but Mutual of Omaha has three, including a plan for adults up to age 85 with a payout of up to $25,000 and a children's no-exam ...

The size of a no-exam life insurance policy can range from $2,000 to $1 million or more, depending on the insurer and policy type, and your age, health history, and other personal factors.

No-exam life insurance policies have a reputation for offering skimpy coverage at high prices. Recent innovations in data analytics, though, including the use of artificial intelligence (AI), has ...

Compare the best life insurance companies for policies that don’t require a medical exam. We evaluated coverage options, customer satisfaction, financial strength, and more. Expert-rated picks ...

Is no-exam life insurance worth it? Here's what you should know If you have a preexisting condition, a medical exam may disqualify you from getting life insurance. Updated Tue, Oct 1 2024.

Symetra Life Insurance: Symetra tied for the 2025 Bankrate Award for Best No-Exam Life Insurer. The company offers SwiftTerm, providing policies in under 20 minutes without medical exams to ...

Situations Allowing for No-Exam Policies. Several factors can determine whether you're eligible for a no-exam life insurance policy: Age: Younger applicants are more likely to qualify for no-exam ...

Plus, the company offers no-exam alternatives for its term and whole life insurance policies — though you'll be limited to a much smaller amount of coverage with somewhat higher rates. One of the few ...

Protective is the best life insurance company, based on our in-depth analysis of its rates, historical portfolio performance, consumer complaints and array of coverage options.. Protective’s ...

AARP, Country Financial and Ladder top our list of the best life insurance with no medical exam. Find out who else made the cut in 2025.