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.**

No Medical Exam Life Insurance
Agent Reviewed
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This content has been reviewed by an experienced licensed SelectQuote life insurance agent to ensure accuracy. Learn more about our editorial standards.
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.

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.