Nov 26, 2025 · AARP, Country Financial and Ladder top our list of the best life insurance with no medical exam. Find out who else offers life insurance without a medical exam in 2025.

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.

Simplified Issue Life Insurance: Is It Worth It? Applying is quick, with no medical exam, but simplified issue policies cost more than traditional life insurance.

3 days ago · To find the best instant life insurance options, our experts analyzed insurers who sell life insurance online and offer at least $100,000 in coverage.

The closest alternative to guaranteed issue life insurance is simplified issue life insurance. This type of policy requires you to fill out a health questionnaire, but skips the medical exam.

3 days ago · With this rider, your beneficiary will be eligible to buy their own life insurance policy after your death without having to take a medical exam or answer health questions.

Bottom line: No medical exams are required for life insurance policies through AARP, although you have to be a member to buy one.

3 days ago · Get lifelong coverage with a whole life insurance policy from NerdWallet’s top-rated insurers in 2026.

3 days ago · Guaranteed issue life insurance requires no medical exams and no health questions. In short, you can’t be turned down for coverage if you’re within the age range, which is …

3 days ago · Ethos is a good choice if you’re shopping for life insurance online without a medical exam, especially if you’re interested in straightforward term life or burial policies.