Looking for no medical exam life insurance? SelectQuote can find the right life insurance for you for as little as $1 a day.*

When you need life insurance without the wait, instant coverage makes all the difference. SelectQuote can help you sign up for up to $2 million in coverage today with no medical exam necessary. Skip the wait and get enrolled today.**

Agent Reviewed by Kenneth Frank Jr. last reviewed November 2022

What is instant life insurance coverage without a medical exam?

For many types of life insurance, a medical exam is required to help determine the final rate you receive. This means the approval process can take weeks, as you have to schedule and attend the exam and then the analysis of that exam is used to underwrite your final policy. Instant life insurance doesn’t require a medical exam, meaning you can get coverage much faster.

When you shop for instant term life insurance with SelectQuote, you get financial protection for your family at a price that doesn’t break the bank. We offer up to $2 million in coverage without the hassle of a medical exam. In less than an hour, you can shop for term life insurance that offers fully underwritten rates that work within your budget. After a convenient online application, you can have life insurance today.**

If you’re 60 years old or younger and in generally good health, you can enjoy the peace of mind life insurance brings at a price that won’t bust your budget—all over your lunch break.

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What are the benefits of no medical exam life insurance?

Life insurance without the medical exam is certainly convenient. What else makes no medical exam life insurance a great option?

An affordable no medical exam life insurance policy is perfect for healthy customers who want convenient instant term life coverage to help provide for their family after an unexpected tragedy. No medical exam life insurance benefits include:

Fast, instant approval process (in less than an hour)
Convenient online application process; no paperwork necessary
Affordable, competitive coverage with up to $2 million in benefits
Fully underwritten insurance at a competitive rate with no medical exam necessary

How do I qualify for no medical exam life insurance?

Qualifying for instant life insurance is simpler than you might expect if you’re under the age of 60 and in generally good health. SelectQuote streamlines the process and you can get approval in under an hour.

Here’s an example of the type of information we’ll use to help determine your eligibility during the easy application process, including but not limited to:

Pharmacy report, which typically lists all of the medications you’ve been prescribed over a certain number of years
Motor Vehicle Department report (also known as your driving record)
Medical Insurance Bureau report (typically used if you’ve applied for or been denied life insurance before)
Credit/financial history

SelectQuote has more than 35 years of experience in finding life insurance coverage that works for your unique situation. Even if you can’t qualify for instant coverage, we can shop for an insurance policy that works for you.

SelectQuote Offers Additional No Medical Exam Life Insurance Options

Not sure if instant, affordable coverage is right for you? SelectQuote compares rates from dozens of life insurance companies to find the right kind of coverage for your needs—no medical exam necessary.

Simplified Issue Life Insurance

Simplified issue life insurance is a type of final expense insurance (also called burial insurance) and replaces the medical exam with a health-related questionnaire. Simplified issue life insurance is an excellent option if you’re between ages 45 and 85 and are looking for a policy up to $100,000.

Guaranteed Issue Life Insurance

Guaranteed issue life insurance is just as the name implies: guaranteed. With guaranteed coverage, you won’t be turned down for life insurance. If you’re between the ages of 45 and 65 and can pay your monthly premiums, this final expense insurance coverage offers convenient peace of mind.

Accelerated Underwriting

With accelerated underwriting, you can get traditional life insurance at the same cost on a fast track. The biggest impact you might see, however, is a lower coverage amount. Additionally, if the insurance carrier notices any red flags or irregularities, they might end up asking you to take a medical exam.

Protect your peace of mind in under an hour with SelectQuote’s instant term life coverage.

In just minutes, SelectQuote can find the right life insurance policy that fits your needs—and that includes no medical exam life insurance that provides up to $2 million in coverage, all at an affordable price.

Let us find the right plan for you and skip the medical exam and the paperwork. No hassle, instant coverage.

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SelectQuote does not sell Life Insurance in South Dakota.

SelectQuote Insurance Services has no control over rate information posted in the reviews above through Trustpilot. Your plan could vary depending on your age, health, issuing company and other factors. Not available in all states.

*50% savings is based on published rates from a National Carrier as of March 2022 for a 40-year-old male in excellent health with high blood pressure for a $500,000 10-year term policy for $49.14/month ($565.00/year) compared to the lowest available rate from one of the insurance companies SelectQuote represents of $17.85/month ($209.99/year). Final rates will be based on the insurance company’s underwriting and a more complete review of the consumer’s health. Savings may also vary by term, policy amount, and state.

*$1/day claim is lowest available rate from one of the insurance companies SelectQuote represents in November 2022 for a 40-year-old male in excellent health for a $500,000 10-year policy at $17.33/month ($203.88/year). Final rates will be based on the insurance company’s underwriting and a more complete review of the consumer’s health. Rates may also vary by term, policy amount, and state.

**Instant decisioning is available in most cases but each application drives the underwriting experience and results, with three possible paths to coverage: Instant Approval, Accelerated Underwriting, and Full Underwriting.

* All policies are Protective Classic Choice Term 10. Policy is a level death benefit term life insurance policy to age 90, policy form number ICC16 TL-21/ TL-21, and state variations thereof, issued by Protective Life Insurance Company in all states except New York where it is issued by Protective Life and and Annuity Insurance Company policy form number TL-21-NY 4-16. Both companies located in Birmingham, AL. Policy form number and features may vary by state. Consult the policy for benefits, riders, limitations, and exclusions. Subject to underwriting. Up to a two year contestable and suicide period. Benefits adjusted for misstatements of age or sex. In Montana unisex rates apply. Premiums increase annually after the initial guaranteed premium period. All payments and guarantees are subject to the claims paying ability of the issuing company.

AIG Companies policies issued by American General Life Insurance Company (AGL), Houston, TX. Issuing company AGL is responsible for financial obligations of insurance products and is a member of American International Group, Inc. (AIG).

**https://www.who.int/gho/women_and_health/mortality/situation_trends_life_expectancy/en/

*Savings are estimated by comparing the highest and lowest prices of policies available through SelectQuote in April 2021 for a $500,000, 10-year policy for a 40-year-old male in excellent health with high blood pressure in KS. The highest rate was $43.31/mo and lowest rate was $18.37/mo. Exact savings for your situation can be determined by finalizing an application with a member of the SelectQuote team. Final rates will be based on the insurance company’s underwriting and a more complete review of the consumer’s health. Savings may also vary by term, policy amount, and state.**Example rate is lowest available rate from SelectQuote carriers for a 40-year-old male in excellent health for a $500,000 10-year policy at $17.85/mo ($209.99/yr) in December 2021. Final rates will be based on the insurance company’s underwriting and a more complete review of the consumer’s health. Savings may also vary by term, policy amount, and state.***Best’s Credit Ratings™ are under continuous review and subject to change and/or affirmation. For the latest Best’s Credit Ratings™ and Best’s Credit Reports (which include Best’s Credit Ratings™), visit the A.M. Best website at ambest.com. See Guide to Best’s Credit Ratings™ for explanation of use and charges.” “Best’s Credit Ratings™ reproduced herein appear under license from A.M. Best and do not constitute, either expressly or impliedly, an endorsement of SelectQuote or its recommendations, formulas, criteria or comparisons to any other ratings, rating scales or rating organizations which are published or referenced herein. A.M. Best is not responsible for transcription errors made in presenting Best’s Credit Ratings™. Best’s Credit Ratings™ are proprietary and may not be reproduced or distributed without the express written permission of A.M. Best Company.” A Best’s Financial Strength Rating opinion addresses the relative ability of an insurer to meet its ongoing insurance obligations. It is not a warranty of a company’s financial strength and ability to meet its obligations to policyholders. View our Important Notice: Best’s Credit Ratings for a disclaimer notice and complete details at http://www.ambest.com/home/ratings.aspx