Can I Get Life Insurance Without a Medical Exam? Here’s What You Need to Know

​Can you get life insurance without a medical exam?

Yes — and it's faster than you think. Learn how no-exam policies work and who qualifies.

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The idea of getting a medical exam just to apply for life insurance might sound like a hassle — especially if you’re healthy and just want quick coverage. The good news? Yes, you can get life insurance without a medical exam, and it’s easier than ever.

In this guide, we’ll explain how no-exam life insurance works, the types of policies available, and when it’s a smart choice. We’ll also share who qualifies, what to expect, and how Corin Insurance Group can help you explore the best options.



💬 What Is No-Exam Life Insurance?
No-exam life insurance allows you to skip the traditional medical exam (vitals, and urine samples) that most insurers require.

Instead, the insurer reviews your:

• Health questionnaire responses
  
  
  
• Prescription history
  
  
  
• Medical records (MIB report)
  
  
  
• Driving history and background
  
  
  

If approved, you can get coverage in days — not weeks.




✅ Types of No-Exam Life Insurance
1. Simplified Issue Life Insurance

• No medical exam
  
  
• Moderate underwriting (based on health questions and background)
  
  
• Available for term or permanent policies
  
  
• Coverage amounts typically up to $500,000 or more
  
  
• Premiums are higher than fully underwritten, but lower than guaranteed issue
  
  
  

🧠 Best for: Healthy individuals who want fast, hassle-free approval


2. Guaranteed Life Insurance

• No medical exam and no health questions
  
  
  
• Approval is guaranteed
  
  
  
• Low coverage amounts (usually $5,000–$25,000)
  
  
  
• Often used for final expense or burial coverage
  
  
  
• Usually has a graded benefit (limited payout in the first 2 years)
  
  
  

🧠 Best for: Seniors or those with serious health conditions




3. Accelerated Underwriting
Some top carriers now offer accelerated underwriting, where medical exams are waived for qualifying applicants — even for higher coverage levels (up to $1 million+).

• Still uses digital health data, Rx history, and financial background
  
  
  
• If results are favorable, approval happens in 24–72 hours
  
  
  
• If risk is elevated, a full exam may still be requested
  
  
  

🧠 Best for: Young, healthy applicants or those with stable health history



🧾 Who Qualifies for No-Exam Life Insurance?You may qualify if:

• You’re between 18–60 years old
  
  
  
• You have good or stable health
  
  
  
• You don’t have major health red flags (cancer, heart disease, recent hospitalization)
  
  
  
• You’re applying for a moderate death benefit (typically $50,000–$500,000)
  
  
  

💡 Every insurer has its own risk tolerance — working with an independent agency gives you access to more favorable options.



🔍 Pros and Cons of No-Exam Life InsurancePros
Cons

Faster approval (often within days)
Slightly higher premiums

No needles, labs, or physicals
Lower coverage limits

Ideal for time-sensitive coverage needs
Some policies have waiting periods

Great for busy, healthy individuals
May not be available for high-risk applicants



🛡️ How Corin Insurance Group Can Help

At Corin Insurance Group, LLC, we help you compare no-exam and traditional life insurance options so you can find the best value for your goals. Whether you want a simple $25K final expense plan or a fast $500K term policy, we match you with a trusted provider — fast.

Our No-Exam Policy Partners Include:
· Cincinnati Life – Known for simplified issue and term life without exams
· Banner Life – Offers accelerated underwriting for healthy applicants
· Corebridge Financial – Competitive simplified underwriting options
· Protective Life – Quick-issue term policies for low-risk individuals
· Symetra Life – Flexible no-exam products with conversion features
· Pacific Life – Accelerated options with strong permanent coverage tools
· And more… – We work with multiple A-rated carriers to find fast, affordable coverage



✅ Final Thoughts 
Yes — you can absolutely get life insurance without a medical exam, and in many cases, it’s the most convenient way to protect your family. Whether you're avoiding long wait times or just don’t want to deal with needles and lab work, no-exam life insurance offers real protection — fast.

Get a quote today — with or without the exam.