5 Best No Medical Exam Life Insurance Policies for June 2023

In the market for life insurance but want to skip the medical exam for one reason or another?

Here are the best no-exam life insurance policies from highly rated U.S. companies. Some of these policies guarantee acceptance regardless of your health, while others require you to answer a few health questions to qualify for coverage.

Best no medical exam life insurance for June 2023

Our top picks for this category earned a NerdWallet rating of at least 4.5 out of 5 stars.

5.0

NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer experience, financial strength ratings and complaint data.

No exam but you may have to answer medical questions.

5.0

NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer experience, financial strength ratings and complaint data.

No exam but you may have to answer medical questions.

4.5

NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer experience, financial strength ratings and complaint data.

No exam or medical questions (whole life). No exam but you may have to answer medical questions. (term life).

4.5

NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer experience, financial strength ratings and complaint data.

No exam but you may have to answer medical questions.

4.5

NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer experience, financial strength ratings and complaint data.

No exam but you may have to answer medical questions.

NerdWallet rates insurers at the company level, not the policy level. This means our star rating reflects the company as a whole, and not its no-exam insurance life policy specifically.

How we ranked the top life insurers

NerdWallet’s life insurance ratings are based on consumer experience, complaint index scores from the National Association of Insurance Commissioners for individual life insurance, and weighted averages of financial strength ratings, which indicate a company’s ability to pay future claims. Within the consumer experience category, we consider ease of communication and website transparency, which looks at the depth of policy details available online. To calculate each insurer’s rating, we adjusted the scores to a curved 5-point scale.

These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines.

How we review life insurance companies

In our life insurance reviews, our editorial team considers the customer and the insurer. These are some of the factors we take into account:

Financial strength. We use AM Best ratings to confirm an insurer’s long-term financial stability and ability to pay claims. For life insurance, NerdWallet typically recommends considering insurers with ratings of A- or higher. Here’s the breakdown:

Complaints. These ratings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. The best life insurance companies have fewer than the expected number of complaints.

Buy online. This indicates whether an insurer allows you to apply for and buy a policy completely online.

Best no-exam life insurance policies in 2023

Learn more about each company in our top list by reading the brief summaries below and checking out the NerdWallet review links.

Best online experience

Haven Life

5.0

NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.

Bottom line: The company’s website is informative and user-friendly, making it easy to buy coverage online.

overview

pros & cons

why we picked it

Financial strength rating These ratings indicate an insurer’s ability to pay future claims.

Exceptional

Online purchase This indicates whether the company offers a way to apply for and purchase policies entirely online.

Yes

NAIC complaints Ratings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.

Far fewer than expected

Policies offered Term policies last a set number of years, while permanent policies typically last a lifetime. No-exam policies don’t require a medical exam.

Term & no-exam

Known for its user-friendly website and quick application process, Haven Life offers no-exam term policies up to $1 million. Like many no-medical exam policies, you may still need to answer questions about your health and lifestyle.

Best online experience

Haven Life

5.0

NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.

Bottom line: The company’s website is informative and user-friendly, making it easy to buy coverage online.

overview

pros & cons

why we picked it

Financial strength rating These ratings indicate an insurer’s ability to pay future claims.

Exceptional

Online purchase This indicates whether the company offers a way to apply for and purchase policies entirely online.

Yes

NAIC complaints Ratings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.

Far fewer than expected

Policies offered Term policies last a set number of years, while permanent policies typically last a lifetime. No-exam policies don’t require a medical exam.

Term & no-exam

Known for its user-friendly website and quick application process, Haven Life offers no-exam term policies up to $1 million. Like many no-medical exam policies, you may still need to answer questions about your health and lifestyle.

Haven Life no-exam policy details

Policy name: Haven Simple.

Coverage: $25,000 to $1 million.

Application: No exam, but you may have to answer questions about your health.

Best for temporary coverage

USAA

5.0

NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.

Bottom line: If you need quick, temporary coverage, USAA’s Essential Term Life policy renews annually and offers $100,000 of coverage without an exam.

overview

pros & cons

why we picked it

Financial strength rating These ratings indicate an insurer’s ability to pay future claims.

Exceptional

Online purchase This indicates whether the company offers a way to apply for and purchase policies entirely online.

No

NAIC complaints Ratings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.

Fewer than expected

Policies offered Term policies last a set number of years, while permanent policies typically last a lifetime. No-exam policies don’t require a medical exam.

Term, permanent & no-exam

If you need a life insurance policy quickly, but for only a short period of time, you may want to consider USAA’s Essential Term Life Insurance policy. This no-medical exam policy renews each year up to age 39, giving you increased flexibility.

Best for temporary coverage

USAA

5.0

NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.

Bottom line: If you need quick, temporary coverage, USAA’s Essential Term Life policy renews annually and offers $100,000 of coverage without an exam.

overview

pros & cons

why we picked it

Financial strength rating These ratings indicate an insurer’s ability to pay future claims.

Exceptional

Online purchase This indicates whether the company offers a way to apply for and purchase policies entirely online.

No

NAIC complaints Ratings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.

Fewer than expected

Policies offered Term policies last a set number of years, while permanent policies typically last a lifetime. No-exam policies don’t require a medical exam.

Term, permanent & no-exam

If you need a life insurance policy quickly, but for only a short period of time, you may want to consider USAA’s Essential Term Life Insurance policy. This no-medical exam policy renews each year up to age 39, giving you increased flexibility.

USAA no-exam policy details

Policy name: Essential Term Life Insurance (not available in Arizona or New York).

Coverage: $100,000 (renews each year to age 39).

Application: No exam, but you may have to answer questions about your health.

Best for senior members

AARP

4.5

NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.

Bottom line: Great option for senior AARP members. Older applicants can get coverage without answering any medical questions or taking an exam.

overview

pros & cons

why we picked it

Financial strength rating These ratings indicate an insurer’s ability to pay future claims.

Exceptional

Online purchase This indicates whether the company offers a way to apply for and purchase policies entirely online.

No

NAIC complaints Ratings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.

Fewer than expected

Policies offered Term policies last a set number of years, while permanent policies typically last a lifetime. No-exam policies don’t require a medical exam.

Term, permanent & no-exam

For senior applicants, AARP stands out for offering whole insurance with guaranteed coverage, which means you won’t have to take a medical exam or answer health questions. AARP also offers simplified issue term life insurance, if you’re willing to answer health questions.

Best for senior members

AARP

4.5

NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.

Bottom line: Great option for senior AARP members. Older applicants can get coverage without answering any medical questions or taking an exam.

overview

pros & cons

why we picked it

Financial strength rating These ratings indicate an insurer’s ability to pay future claims.

Exceptional

Online purchase This indicates whether the company offers a way to apply for and purchase policies entirely online.

No

NAIC complaints Ratings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.

Fewer than expected

Policies offered Term policies last a set number of years, while permanent policies typically last a lifetime. No-exam policies don’t require a medical exam.

Term, permanent & no-exam

For senior applicants, AARP stands out for offering whole insurance with guaranteed coverage, which means you won’t have to take a medical exam or answer health questions. AARP also offers simplified issue term life insurance, if you’re willing to answer health questions.

AARP no-exam policy details

Policy name: Level Benefit Term Life Insurance.

Issue age: 50 to 74 for AARP members (45 to 74 for partners and spouses).

Coverage: $10,000 to $150,000 (up to $100,000 for New York residents).

Application: No exam, but you may have to answer questions about your health.

Policy name: Guaranteed Acceptance Life Insurance.

Issue age: 50 to 80 for AARP members and 45 to 80 for partners and spouses (50 to 75 for members and spouses in New York).

Application: No health questions or exam.

Best for customization

Country Financial

4.5

NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.

Bottom line: A range of life insurance riders can be added to both term and whole life policies so you can customize your coverage.

overview

pros & cons

why we picked it

Financial strength rating These ratings indicate an insurer’s ability to pay future claims.

Exceptional

Online purchase This indicates whether the company offers a way to apply for and purchase policies entirely online.

No

NAIC complaints Ratings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.

Fewer than expected

Policies offered Term policies last a set number of years, while permanent policies typically last a lifetime. No-exam policies don’t require a medical exam.

Term & permanent

If you want a no-medical exam policy you can customize to your liking, Country Financial might be right for you. The company sells no-medical exam term and whole life with several riders you can add-on, including accelerated death benefits and child term insurance.

Best for customization

Country Financial

4.5

NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.

Bottom line: A range of life insurance riders can be added to both term and whole life policies so you can customize your coverage.

overview

pros & cons

why we picked it

Financial strength rating These ratings indicate an insurer’s ability to pay future claims.

Exceptional

Online purchase This indicates whether the company offers a way to apply for and purchase policies entirely online.

No

NAIC complaints Ratings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.

Fewer than expected

Policies offered Term policies last a set number of years, while permanent policies typically last a lifetime. No-exam policies don’t require a medical exam.

Term & permanent

If you want a no-medical exam policy you can customize to your liking, Country Financial might be right for you. The company sells no-medical exam term and whole life with several riders you can add-on, including accelerated death benefits and child term insurance.

Country Financial no-exam policy details

Policy type: Simplified term or whole life insurance.

Issue age: 50 or younger.

Coverage: Up to $100,000.

Application: No exam, but you may have to answer questions about your health.

Best for accessibility

Nationwide

4.5

NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.

Bottom line: The issue age range for this policy is 80 and younger — a relatively broad age range for this type of coverage.

overview

pros & cons

why we picked it

Financial strength rating These ratings indicate an insurer’s ability to pay future claims.

Exceptional

Online purchase This indicates whether the company offers a way to apply for and purchase policies entirely online.

No

NAIC complaints Ratings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.

Fewer than expected

Policies offered Term policies last a set number of years, while permanent policies typically last a lifetime. No-exam policies don’t require a medical exam.

Term & permanent

Unlike most other no-exam life insurance, Nationwide’s Simplified Whole LIfe policy offers coverage for customers younger than 20 years old. The company issues policies to applicants 80 years old or younger.

Best for accessibility

Nationwide

4.5

NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.

Bottom line: The issue age range for this policy is 80 and younger — a relatively broad age range for this type of coverage.

overview

pros & cons

why we picked it

Financial strength rating These ratings indicate an insurer’s ability to pay future claims.

Exceptional

Online purchase This indicates whether the company offers a way to apply for and purchase policies entirely online.

No

NAIC complaints Ratings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.

Fewer than expected

Policies offered Term policies last a set number of years, while permanent policies typically last a lifetime. No-exam policies don’t require a medical exam.

Term & permanent

Unlike most other no-exam life insurance, Nationwide’s Simplified Whole LIfe policy offers coverage for customers younger than 20 years old. The company issues policies to applicants 80 years old or younger.

Nationwide no-exam policy details

Policy name: Nationwide Simplified Whole Life.

Issue age: 80 or younger (75 and younger in Minnesota, Mississippi, North Carolina, and Pennsylvania).

Coverage: $10,000 to $50,000 ($25,000 to $50,000 in Washington).

Application: No exam, but you may have to answer questions about your health.

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What is no-exam life insurance?

With traditional life insurance policies, applicants typically have to fill out a questionnaire about their health and lifestyle and take a medical exam. It's similar to an annual physical. A medical professional measures your height, weight, blood pressure and cholesterol and usually takes a blood, urine and saliva sample.

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.

Alternatives to no medical exam life insurance

In general, policies that don’t require an exam can be more pricey than ones that do. So if you’re young and healthy, you may want to consider a policy with full medical underwriting. If you’re looking for a quick application process, you may want to consider instant life insurance, which uses big data and complex algorithms to calculate risk and reserves the right to ask for an exam.

More about buying life insurance as a senior

More about top-rated life insurance companies

Looking for a different type of life insurance policy? Check out NerdWallet’s top picks across these categories:

More about buying life insurance with a health condition

Insurer complaints methodology

NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2019-2021. To assess how insurers compare with one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.

What Happens At A Green Card Medical Exam?

Only physicians designated by the United States Citizenship and Immigration Services (USCIS) can perform a green card medical exam . These physicians are referred to as immigration doctors or civil surgeons. To qualify as a civil surgeon, physicians must be licensed and have at least four years of professional experience.

The medical exam aims to determine whether an applicant is healthy enough to qualify for a green card. During the green card medical exam, the civil surgeon will assess if the applicant has a medical condition that prevents them from being admitted into the U.S. These conditions include:1

In trying to assess if you have a medical condition that may make you inadmissible for a green card, the civil surgeon will review your medical and vaccination records and perform a physical exam. Here's what you can expect during the exam:2

At the end of the exam, the physician will fill out the medical report form (Form I-693). This report includes the findings of the medical exam and the results of required tests, including tuberculosis and syphilis. The physician will sign and seal the form and any supporting documentation in an envelope. You must ensure the document remains sealed and submit it to the USCIS.

In preparation for a green card medical exam, start by selecting an immigration doctor to perform the exam. You will need to locate an immigration doctor near you and schedule an exam. Be sure to start collecting all your medical and vaccination histories so they are ready to share when you go to your exam.

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