If you’re searching for the cheapest life insurance with no medical exam, you’re not alone. In 2025, more Americans than ever are looking for quick, hassle-free life insurance that doesn’t require blood tests or physical exams.
These policies are great for people who want fast approval, have minor health issues, or simply want to avoid the traditional exam process.
What Is No-Exam Life Insurance?
No-exam life insurance means you can get covered without undergoing a medical checkup. There are two common types:
- Simplified Issue: Requires a health questionnaire but no exam.
- Guaranteed Issue: No questions, no exam — you’re approved automatically, though coverage is limited and costs are higher.
Top 5 Providers Offering the Cheapest No-Exam Life Insurance
1. MetLife
- Premiums from $57/month
- Offers both term and whole life options
- Great for reliable, long-term coverage
2. Bestow
- Premiums from $58/month
- 100% online application
- Coverage up to $1.5M
3. Erie Insurance
- Rates from $59/month
- Accelerated underwriting available
- Well-rated and trusted insurer
4. Ethos Life
- Policies from $56/month
- Fast approval — no agent needed
- Great for young adults and families
5. Nationwide
- Offers up to $5 million in no-exam coverage
- Ideal for people in good health
- High AM Best financial rating
Pros and Cons of No-Exam Life Insurance
Pros:
- No doctor visit or medical tests
- Fast approval (sometimes same day)
- Ideal for busy people or mild health issues
Cons:
- Slightly higher premiums
- Lower coverage limits (esp. for guaranteed issue)
- Some policies may have a waiting period
Who Should Choose No-Exam Life Insurance?
This type of insurance is best suited for:
- People who need coverage quickly (e.g. for a loan or mortgage)
- Seniors and veterans
- Those with minor health issues
- Busy professionals who want to skip the doctor visit
Tips to Find the Cheapest No-Exam Policy
- Compare multiple quotes (Ethos, Bestow, Erie)
- Go for term life for lower premiums
- Choose a trusted company with high customer ratings
- Always read policy terms — especially for guaranteed issue plans
Final Thoughts
Finding the cheapest life insurance with no medical exam in the U.S. is easier than ever in 2025. Providers like MetLife, Bestow, and Ethos offer fast, reliable coverage without any medical hassle.
If you’re ready to protect your family and skip the doctor’s office, start comparing no-exam policies today — and get insured within minutes.