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No Medical Exam Life Insurance
In the market for life insurance but want to skip the medical exam for one reason or another?
What is no medical exam life insurance?
No-medical exam policies remove the exam from the application process. Depending on the type of policy you apply for, you might still need to answer questions about your health and lifestyle — but some policies skip that part, too.
These policies tend to appeal to those with serious health conditions or healthy people who want to speed up the life insurance application process.
Check out these life insurance companies that offer no-exam policies:
Company | Policies offered | Online purchase | What We Like | Learn More |
---|---|---|---|---|
Ethos Get a quote on Ethos | Term, permanent & no- | Yes |
| Get a quote on Ethos |
Ladder Get a quote on Ladder | Term & no- | Yes |
| Get a quote on Ladder |
Fabric Get a quote on Fabric | Term & no- | Yes |
| Get a quote on Fabric |
Alternatives to no medical exam life insurance
- Debt and final expenses: Add up your debts, other than your mortgage, plus an estimate of your funeral expenses.
- Income: Decide for how many years your family would need support, and multiply your annual income by that number.
- Mortgage: Calculate the amount you need to pay off your mortgage.
- Education: Estimate the cost of sending your kids to school and college.
By adding all of these obligations together, you get a much more well-rounded view of your needs. However, while this formula is more comprehensive, it doesn’t account for the life insurance coverage and savings you already have. It also doesn’t consider the unpaid contributions a stay-at-home parent makes.