No-exam life insurance — guaranteed & simplified issue
No-exam life insurance skips the medical — you answer a few health questions (simplified issue) or none at all (guaranteed issue), and you can be covered in days. It's the most common way our clients get approved, especially seniors and anyone with health conditions. Here's how it works and what it costs in our own book.
No-exam whole-life plans in our book average about $77/mo for $10,000 and $96/mo for $25,000. Simplified issue (a few health questions) pays from day one and is the cheapest; guaranteed issue (no questions) approves anyone but has a 2-year waiting period for natural causes.
Simplified issue vs guaranteed issue
The two kinds of no-exam life insurance, and who each is best for.
| Simplified issue | Guaranteed issue | |
|---|---|---|
| Medical exam | None | None |
| Health questions | A few | None |
| Payout timing | Day one | 2-yr wait (natural causes) |
| Typical coverage | $10k–$50k | $5k–$25k |
| Cost | Lower | Slightly higher |
| Best for | Reasonably healthy applicants | Serious health conditions, any answer |
Accidental death is typically covered from day one on guaranteed-issue plans, even during the waiting period.
What no-exam life insurance costs (2026)
Real average monthly premiums for no-exam whole-life plans, from our own book of 1,595 placed policies.
| Your age | Avg monthly premium | Avg annual |
|---|---|---|
| 50–54 | $47 /mo | $564 |
| 55–59 | $55 /mo | $660 |
| 60–64 | $65 /mo | $780 |
| 65–69 | $71 /mo | $852 |
| 70–74 | $79 /mo | $948 |
| 75–79 | $86 /mo | $1032 |
| 80–84 | $132 /mo | $1584 |
Illustrative averages from our placed-policy data (not carrier-published rates). Tobacco users typically pay 30–50% more. The $50k/age-80 cell is omitted (thin sample).
Who no-exam life insurance is for
Seniors 60–85
The core of our book — 76% of buyers are 60–79. No-exam plans avoid the hassle and delays of a medical.
Health conditions
Diabetes, heart history, COPD and more can still qualify — guaranteed issue asks no health questions at all.
People who want it fast
No exam means no scheduling a nurse or waiting weeks for labs — coverage can be in force in days.
Final-expense buyers
$10k–$25k to cover a funeral and final bills is the most common use — 62% of our policies are $10k–$25k.
Guaranteed-acceptance seekers
If you've been declined before, a guaranteed-issue plan can't turn you down within the issue ages (typically 45–85).
Anyone comparing quietly
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No-exam life insurance — FAQ
Is no-exam life insurance real / legitimate?
How much does no-exam coverage cost?
Does guaranteed issue have a waiting period?
Can I be denied?
How fast can I be covered?
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No medical exam, a few quick questions, no obligation. Compare guaranteed and simplified-issue plans from top A-rated carriers.
About these figures: the premiums and averages shown are estimates based on our own placed-policy data (our internal systems), not carrier-published quotes. Your actual rate depends on age, gender, tobacco use, health, coverage amount and state, and is confirmed by the carrier at application.