No medical exam life insurance replaces the paramedical exam with a short health questionnaire — approval in days instead of weeks, and full first-day coverage for applicants whose answers qualify. It is the standard path for final expense coverage at ages 50–85.
No-exam life insurance — carriers call it simplified issue — underwrites with a health questionnaire and database checks instead of needles and nurse visits. You answer questions about hospitalizations, major diagnoses, treatments, and tobacco use; the carrier decides, often within days.
Qualify, and the policy behaves like any other: full face amount from day one, premium locked at purchase, lifetime coverage on whole life products.
More than most expect. Managed conditions — controlled blood pressure, stable type 2 diabetes, older resolved events — commonly pass simplified issue at many carriers. The lines differ by company: the identical history can be declined by one application and accepted by another, which is precisely why we compare carriers rather than represent one. Our pre-existing conditions guide covers how specific histories route.
| Age | Female | Male |
|---|---|---|
| 50–54 | $24.50/mo | $29.80/mo |
| 55–59 | $29.75/mo | $36.20/mo |
| 60–64 | $36.40/mo | $44.90/mo |
| 65–69 | $45.20/mo | $56.70/mo |
| 70–74 | $58.90/mo | $74.30/mo |
| 75–79 | $78.60/mo | $99.80/mo |
| 80–85 | $106.30/mo | $135.40/mo |
Estimates only, based on illustrative sample rates — not a quote or an offer of coverage. Actual premiums are set by the issuing carrier and vary by state, age, health, and tobacco use. Coverage is not bound until confirmed in writing by the carrier.
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Estimates only, based on illustrative sample rates — not a quote or an offer of coverage. Actual premiums are set by the issuing carrier and vary by state, age, health, and tobacco use. Coverage is not bound until confirmed in writing by the carrier.
Yes — identical whole life or term protection, underwritten by health questions and database checks instead of a paramedical exam. The policy that results is a standard life insurance contract.
No-exam (simplified issue) still asks health questions and can decline; guaranteed issue asks nothing and cannot decline for health. Simplified issue usually costs less and pays in full from day one.
Typically: recent hospitalizations, serious diagnoses (cancer, heart, stroke), current treatments, tobacco use, and certain medications. Each carrier draws its own lines — the same answers pass one application and fail another.
Often days — some carriers decide the same day. Skipping the exam removes the slowest step of traditional underwriting.
Somewhat — carriers price the reduced information in. For ages 50–85 buying modest face amounts, the difference is usually small relative to the convenience and speed.
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