Best Life Insurance Companies That Don’t Require Medical History (2021)

Globe Life is one of the cheapest life insurance companies that don't require medical history reports. You can get Globe Life no medical exam life insurance for as low as $4 a month. However, your life insurance rates will vary. To secure the best life insurance rates from companies that don't require medical history reports, shop around and compare until you find the no medical history life insurance policy you need.

Are you looking for free insurance quotes?

secured lock Secured with SHA-256 Encryption

D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

Full Bio →

Written by D. Gilson, PhD
Professor & Published Author D. Gilson, PhD

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

Full Bio →

Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Feb 13, 2022

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.

The Highlights

  • No medical exam life insurance is more expensive than standard life insurance
  • Globe Life offers cheap no medical exam life insurance and is one of the cheapest companies 
  • Some life insurance companies opt for medical-related questions instead of medical exams

It’s standard for life insurance companies to ask medical questions or need medical exams, but a few insurance companies provide life insurance without medical exams or health questions. Typically a life insurance company is going to want a prospective patient’s medical records so they can check their overall health.

Are you searching for life insurance companies that don’t require medical history reports? Our guide explores insurance companies that provide life insurance with no medical exam or no waiting period. That way you can find the best no medical exam term life insurance that will suit your needs. 

We’ll also show you which life insurance companies provide guaranteed acceptance life insurance with no health questions.

Once you learn everything about life insurance companies that don’t require medical history reports, use our free online quote tool to compare multiple insurance companies in your area. Comparing costs online can help you and your family find affordable rates, plus the process can be done from the comfort of your own home. 

What are the best life insurance companies that don’t require a medical history?

Life insurance companies that don’t require medical histories usually sell no-medical-exam life insurance policies. There are many types of life insurance with various prices attached, so knowing what you’re looking for before reaching out to a company can help avoid any confusion. 

Here are the best insurance companies for no medical exam life insurance:

  • Globe Life
  • AIG
  • Prudential
  • State Farm
  • Colonial Penn
  • Haven Life
  • AARP
  • Ethos
  • USAA
  • Erie insurance
  • Country Financial
  • John Hancock
  • Securian Financial

Prudential and USAA life insurance are known for their military veteran-focused policies. Therefore, most life insurance shoppers should target other life insurance companies for reliable coverage.

Are you looking for free insurance quotes?

Your one-stop online insurance guide. Get free quotes now!

secured lock Secured with SHA-256 Encryption

How much are no medical history life insurance rates?

When looking at coverage options, not only is the type of policy you’re looking for important, but what it will cost can be another crucial focal point. There’s no sense in looking at a policy type that doesn’t come at an affordable price for your budget. Typically, no medical exam life insurance is more expensive than standard life insurance, but a few insurance companies charge less than $10 a month.

Let’s look at the monthly rates from life insurance companies with no medical exam life insurance policies:

Best No Medical Exam Life Insurance Companies
CompaniesA.M. Best RatingsCoverage CapacityIssue AgesPremiumsLife Insurance Policies Offered
AIGA$10 millionUp to 80Contact agentTerm, whole, universal, and accidental death
Colonial Penn A-Contact agentUp to 85$9.95+/monthGuaranteed acceptance, whole, and term
Globe LifeA$100,000Contact agent$3.98+/month Term, whole, and mortgage protection
Prudential Veterans’ Group Life Insurance A+Over $750,000Contact agent$12.08+/monthTerm and universal
State Farm A++Contact agentUp to 45 with no medical examContact agentTerm, whole, and universal
Get Your Rates Quote Now

Compare RatesStart Now →

Globe Life, Prudential, and Colonial Penn have no medical exam life insurance rates lower than $20 a month. However, your rates will go up if you raise your coverage limits to the max.

AIG provides the most life insurance policies, but Globe Life is the cheapest company. Meanwhile, State Farm has the best A.M. Best rating.

What other types of no medical history life insurance policies are available?

You can find several alternatives to no medical exam life insurance, including:

  • Guaranteed acceptance life insurance (whole life insurance)
  • Simplified-issue term life insurance
  • Final expense life insurance
  • Group life insurance (life insurance through an employer)

Simplified issue life insurance and final expense life insurance are straightforward policies. Simplified issue life insurance is more like traditional term life insurance, but the final expense policy lasts until you pass away.

Guaranteed acceptance life insurance is a whole life insurance policy, but you won’t have the policy amounts of a standard whole life insurance policy.

Finally, group life insurance is a no-medical-exam policy you get as a benefit from your job.

What’s the age limit for no medical history life insurance?

Each life insurance company has different age limits for no medical exam life insurance policies. However, the most common limit for no medical history life insurance is 80 years old.

If you’re over the age of 80 and need life insurance, try shopping for final expense life insurance but keep an eye on your life insurance quotes. Senior policyholders pay significantly more than younger policyholders so it’s important to shop around to find the most affordable life insurance companies that don’t require medical history reports.

Are you looking for free insurance quotes?

Your one-stop online insurance guide. Get free quotes now!

secured lock Secured with SHA-256 Encryption

What are the life insurance companies that do require a medical history report?

Life insurance companies with medical exams are available everywhere. There are even life insurance companies with no waiting periods.

No medical exam life insurance policies have fewer death benefits than standard life insurance, and traditional life insurance is cheaper with higher policy amounts.

You’ll need to get a medical exam and answer health questions if you want to buy standard life insurance.

How can I find life insurance without a waiting period?

Shopping around for life insurance policies is the best way to secure life insurance coverage with no waiting period.

Northwestern Mutual, MetLife, AARP (New York Life), Prudential, and Lincoln Financial are the best life insurance companies with no waiting periods.

What You Need to Know About Life Insurance Companies That Don’t Require Medical History

The average no medical exam life insurance rates are about $9 a month for the shortest term life insurance policies. But some companies have life insurance rates that are $4 per month.

Expect your life insurance rates to increase for policies like final expense and guaranteed acceptance life insurance, but you can avoid costly life insurance if your employer offers group life insurance.

You don’t necessarily need to go with a traditional policy if this sounds right for you. Especially if you’re concerned about any medical conditions that may arise in your future, or have already sprung up. You’ll be able to find companies that issue life insurance policies without requesting your medical history.

Now that you know more about life insurance companies that don’t require your medical history, enter your ZIP code in the free comparison tool below to compare multiple companies near you. Just be mindful of the companies you’re looking into. Make sure the level of quality they offer and financial strength ratings they project show that they’ll be around to help you for many years. 

Are you looking for free insurance quotes?

Your one-stop online insurance guide. Get free quotes now!

secured lock Secured with SHA-256 Encryption

Frequently Asked Questions: Life Insurance Companies That Don’t Require a Medical History

Before you go, check out some answers to frequently asked questions to learn more about no medical exam life insurance.

#1 – Is standard life insurance cheaper than no medical exam life insurance?

It depends. Your life insurance rates will vary. That’s because life insurance rates are determined by age, gender, health, policy amount, policy type, and company.

#2 – Can I get no medical exam life insurance if I have good health?

The short answer is yes. No medical history life insurance is available for all ages that the life insurance company permits.

#3 – What’s the highest coverage limit for no medical history life insurance?

Policy limits (death benefits) vary for each company. For example, some companies provide coverage amounts up to $3 million.

#4 – Do smokers pay more for no medical history life insurance?

The answer is yes. According to the Centers for Disease Control (CDC), smokers have a shorter life expectancy than nonsmokers.

Therefore, smokers are statistically more likely to produce more life insurance claims and providers charge them higher rates accordingly.

#5 – Why do younger people pay less for life insurance?

The younger population has a higher life expectancy and is statistically more healthy than seniors and less likely to file claims, which means they are charged less for life insurance.

Are you looking for free insurance quotes?

Your one-stop online insurance guide. Get free quotes now!

secured lock Secured with SHA-256 Encryption