Remember, no insurance company can guarantee approval for any of its policies. The Index looks at five factors: Once you get a QL Index score, Sproutt offers advice on maintaining and improving that score. Some of those options require filling out a health questionnaire, although no medical exam is necessary. However, it's also going to come with the lowest coverage amount. And then you have to decide whether getting a medical exam will be inconvenient for you in the short-term. will exceed $50,000, you may consider guaranteed-issue universal life (UL) insurance instead. What Are the Different Kinds of No-Medical-Exam Life Insurance? Will A Lender Require Me To Get Home Insurance? Life Insurance Quotes Top Pick – United of Omaha. You save time with a simpler application process (often over the phone or online) and may not need to meet in-person with an insurance agent. Visit Fabric or read our full Fabric Review. Ladder really wants to focus on offering a new way for you to purchase a life policy and helping you get it fast. You can use the information in the QL Index score during your application (though you don’t need to go through the questionnaire and get a score if you don’t want to). Within a half-hour, Haven Life can deliver up to $1 million in coverage, and all without taking a medical exam. Luckily for you, most of the products we discussed today offer this simplified issue style of approvals. The term lengths available are 10, 15 and 20 years. Then, the company determines a premium rate based upon that risk assessment. You can get life insurance with no medical exam. Their algorithm works to try and accelerate younger and healthier applicants past the medical exam to offer instant coverage. Read our full Sagicor Life review here. No-medical-exam life insurance usually limits coverage to smaller amounts (often $25,000 or less), which won’t work if you’re seeking a higher amount of insurance coverage. Fabric touts its reputation as an insurance company for families, which is why this company offers a wide age range for individuals between 25-50 and coverage amounts that go from $100,000 to $5,000,000. You can get no exam life insurance coverage within minutes of getting your quotes and applying. life insurance policies they often think it automatically means no underwriting and no medical history or records. How To Get Life Insurance With No Blood Test? As you can see, you can get a ton of coverage for a very affordable rate, to get the best rate you should look at different term lengths and coverage option combinations. A company offering this product can issue policies much faster than normal. If the idea of undergoing a physical examination makes you uncomfortable, guaranteed issue whole life insurance provides a way to apply for coverage without having to take an exam. And if you end up skipping an exam, you might end up paying more in the long run. Read this comprehensive Guide to Senior Life Insurance and learn all about the best options for seniors over 60, 70, 80, and 90. They have streamlined the ability to change your life coverage based on your current life events. Check out their benefits below: Like the other insurance firms, Ladder accesses data, such as your motor vehicle and prescription drug records, and uses predictive analytics to decide whether you qualify. While no-medical-exam life insurance policies typically carry higher premiums, affordable plans have cropped up on the marketplace. American National is definitely high on the list of no exam life insurance companies. 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