Companies
Types of Policies Offered With No Medical Exam
Haven Life
Best Online Company
for No Medical Exam- Policy: Haven Simple
- Policy type: Term (5, 10, 15, 20 years)
- Coverage: $25,000–$500,000
- Issue age: 20–55
- Medical exam: No
Ethos
Best for Term Life
With No Medical Exam- Policy: Simplified issue term life
- Policy type: Term (10, 15, 20, 30 years)
- Coverage: $20,000–$2 million
- Issue age: 20–65
- Medical exam: No, but the application includes health questions
- Policy: Senior life insurance
- Policy type: Guaranteed issue whole life insurance for seniors
- Coverage: $1,000–$30,000
- Issue age: 66–85
- Medical exam: No
Mutual of Omaha
Best for Guaranteed Acceptance
With No Medical Exam- Policy: Children’s whole life
- Policy type: Simplified issue whole life insurance
- Coverage: $5,000–$50,000
- Issue age: 14 days to 17 years
- Medical exam: No, but the application includes three health questions
- Policy: Senior whole life
- Policy type: Guaranteed issue whole life insurance
- Coverage: $2,000–$25,000 ($5,000–$25,000 in WA)
- Issue age: 45–85 (50–75 in NY)
- Medical exam: No
AAA
Best for Payout in
Waiting Period- Policy: ExpressTerm
- Policy type: Term (10, 15, 20, 30 years)
- Coverage: $25,000–$500,000
- Issue age: 18–75
- Medical exam: No, but the application includes health questions
and some may be required to complete a medical exam - Policy: Simple Whole Life
- Policy type: Simplified issue whole life insurance
- Coverage: $5,000–$25,000
- Issue age: 15 days to 18 years
- Medical exam: No, but the application includes health questions
- Policy: Senior whole life
- Policy type: Guaranteed issue whole life insurance
- Coverage: Up to $25,000
- Issue age: 45–85
- Medical exam: No
Transamerica
Best for Shortest
Waiting Period- Policy: Trendsetter LB
- Policy type: Term (10, 15, 20, 25, 30 years)
- Coverage: Up to $249,999
- Issue age: 18–80
- Medical exam: No, but the application includes health questions
- Policy: Trendsetter Super Series
- Policy type: Term (10, 15, 20, 25, 30 years)
- Coverage: Up to $99,999
- Issue age: 18–80
- Medical exam: No, but the application includes health questions
- Policy: Final Expense Solution Portfolio
- Policy type: Guaranteed issue whole life insurance
- Coverage: $1,000–$50,000
- Issue age: 0–85
- Medical exam: No, but the application includes health questions
AIG
Best for Living
Benefit- Policy: Guaranteed Acceptance Whole Life Insurance
- Policy type: Guaranteed final expense life insurance for seniors
- Coverage: $5,000–$25,000
- Issue age: 50–80
- Medical exam: No
Prudential
Best for Veterans- Policy: Veterans' Group Life Insurance
- Policy type: 5-year renewable life insurance
- Coverage: Up to $400,000
- Issue age: N/A
- Medical exam: No
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