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If you worry about passing a medical exam to get life insurance, you may wonder how you’ll ever get the coverage you need.

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There’s good news.

Some policies don’t require a medical exam. Now, they have their downsides, but it’s worth knowing which policies do and do not require a medical exam.

Insurance Policies that Don’t Require a Medical Exam

Here are the most common life insurance policies that don’t require a medical exam.

Group Life Insurance

If you are still working and your employer offers group life insurance, you don’t have to get a medical exam. The coverage usually isn’t very high, so most people use it as a supplement, but it can be a great way to get a little coverage if you can’t pass a medical exam.

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Simplified Issue Life Insurance

Simplified issue life insurance is a form of no medical exam life insurance. But there’s a catch.

You don’t need to take a medical exam, BUT you must answer some medical questions. Most insurance companies only ask a handful of questions to determine if you have severe or terminal illnesses that would cause you to make a claim soon.

If you can answer the questions to their liking, you can get a policy with no medical exam. The premiums are higher than life insurance policies with a medical exam but lower than guaranteed life insurance policy premiums.

Guaranteed Issue Life Insurance

Guaranteed issue life insurance doesn’t require a medical exam or medical questions. Anyone that applies is approved for the coverage.

You will not be rejected

It comes at a cost.

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The premiums are much higher on guaranteed life insurance than any other policy. That’s because the insurance company takes a significant risk insuring you. They promise to cover you for any reason of death (except suicide, criminal activity, or fraudulent activity) without knowing your medical history.

There’s another catch.

There’s a 2-year waiting period. If you die between the day you apply and the 2nd anniversary of your policy, your loved ones won’t receive the death benefit. They may receive the premiums you paid plus a small percentage, but that’s it.

If you’re buying the policy knowing you will die within the next 2 years, it could be a waste of your money. You may better invest your money to leave for your loved ones.

Final Thoughts

A no medical life insurance policy may seem like a great option, and it can be, but exhaust all other options first. Also, consider the total cost and make sure it makes sense to invest in the policy.

Ask yourself, will your loved ones receive a payout? Are the premiums affordable? Is it worth investing the money in the policy, or is there another way to ensure that your loved ones have enough money to cover your end-of-life expenses plus any money you want to leave behind for them?


Meet Aaron H., a senior life insurance agent from California with 15+ years of experience. With a major in finance, excellent analytical and communication skills, and a passion for helping clients find personalized solutions, Aaron is a trusted advisor in the industry. He stays up-to-date on the latest trends and developments by attending webinars and workshops, reading industry blogs, and writing informative blog posts on this website. Aaron also has a keen understanding of SEO and online marketing, which he uses to help his clients reach a wider audience and get the coverage they need. He cherishes spending quality time with his wife, two children, and elder parents.