No exam life insurance lets you skip the medical exam. Compare types, costs, eligibility, and when no-exam coverage is the right fit versus traditional underwriting.
No exam life insurance is exactly what it sounds like: life insurance you can buy without taking a medical exam, a blood test, or scheduling a paramedical visit. In 2026, no-exam life insurance is faster, cheaper, and more widely available than ever — but it's not the right fit for every buyer. This guide explains the types, costs, pros, cons, and when to choose no-exam life insurance over traditional underwriting.
No exam life insurance is any policy that doesn't require a medical exam for underwriting. Most no-exam products still ask health questions; some don't. Coverage can issue in days instead of weeks. Two main flavors:
Short health questionnaire (10–20 questions), no exam. Available for term or whole life. Coverage up to $500,000+. Best for healthy applicants who want speed. Includes simplified issue final expense insurance.
No health questions, guaranteed approval. Typically burial/final expense policies with a two-year graded benefit period. Coverage usually capped at $25,000. Best for applicants who can't qualify medically. See who qualifies for burial insurance.
Newer hybrid — uses data sources (MIB, Rx history, MVR) instead of an exam. Offered to healthier applicants for traditional term or whole life at rates close to fully-underwritten pricing.
For $100,000 of 20-year term no-exam life insurance:
No-exam policies historically cost 20–40% more than fully underwritten equivalents, though accelerated underwriting has narrowed this gap.
Yes — simplified issue and accelerated underwriting policies go up to $500K–$1M at several carriers.
Usually 20–40% more than fully underwritten, though accelerated underwriting can match traditional pricing for healthy applicants.
Not necessarily. Simplified issue still asks health questions; only guaranteed issue skips them entirely.
Typically 24 hours to a few days. Guaranteed issue can be same-day.
At Titan Concierge, we help you compare no-exam options against traditional underwriting. Explore the Titan 360 funeral insurance plan.