No exam life insurance is life insurance that does not require you to take a physical, blood or urine test when you apply. There's also no tobacco test required.
No exam life insurance is offered in various amounts through several insurers, including National Life Group, Garden State Life, Gerber, Globe Life, Colonial Penn, and Mutual of Omaha, among others.
No exam life insurance may offer low limits of coverage up to $50,000, or you may qualify for up to $350,000 of term life insurance without an exam.
In addition, full coverage may start immediately, or you may not have full coverage until you have been insured for 2 years (graded benefit life insurance).
Since there is no exam required, your rate may be higher than you would get from a life insurance carrier requiring you to take a physical.
National Life, which is rated "A" Excellent for financial strength, and was founded in 1848, offers instant approval term life insurance with no exam for qualified applicants. Here's how to get a life insurance policy without medical examination.