No-Exam Term Life Insurance — Fast, Simple, Online

Apply 100% online and (in many cases) get a same‑day decision. For healthy to average‑health individuals, coverage amounts can reach up to $2,000,000. If you’ve got health concerns or have recently been declined for coverage, we can route you to a simplified‑issue option with coverage up to $300,000 with only a brief health questionnaire.

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No medical exams for most applicants. Final eligibility and pricing depend on your answers, third-party data checks, and carrier underwriting.

Fast

Apply in minutes

Simple online application; many applicants finish in under 10 minutes with an instant decision.

Flexible

Coverage that fits

Term options commonly range 10–30 years (some carriers may offer additional terms). Pick the amount that fits your goals and budget.

No exam

Skip the needles

Most applicants qualify without a medical exam—just answer a few health questions online.

Path A: Up to $2,000,000 (Healthy to Average Health)

Designed for generally healthy to average‑health individuals who want higher coverage with a quick, exam‑free experience.

Coverage amounts up to $2,000,000
Often instant decisions and same‑day coverage
No medical exam for most applicants—just a brief health questionnaire

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Path B: Simplified‑Issue up to $300,000

If you’ve been declined for term life insurance or have health challenges but don’t want a final expense policy, this simplified‑issue term option may be a fit. Approval is based on a short application with just a handful of health questions—no exam required for most applicants.

Lenient, simplified underwriting—great for those recently declined elsewhere

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Frequently asked questions

Do I need a medical exam?: Most applicants don’t. You’ll answer a short set of health and lifestyle questions online. In some cases, carriers may request additional information.
Who is the higher‑coverage path best for?: Applicants in healthy to average health who want larger benefits (up to $2,000,000) and a quick, digital process.
What if I was previously declined for term life insurance?: You may still qualify for simplified‑issue term coverage—offering up to $300,000 in protection with only a short health questionnaire. This is ideal if you were declined previously and don’t want a final expense policy.
Who is the simplified‑issue path best for?: People who want a straightforward experience and may prefer a more flexible approval path. Coverage amounts typically go up to $300,000 and decisions are often fast.
How fast can I be covered?: Many applicants receive an instant decision and can activate coverage the same day after e‑signing and first payment.
What if I already have employer coverage?: Employer policies often aren’t portable and may be limited. An individual policy can stay with you and be tailored to your needs.

Coverage availability, amounts, terms, and eligibility vary by state, age, and underwriting results. Policy forms and features are subject to carrier and state approvals. This page is informational and not a policy contract or an offer of insurance.

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