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What Kind of No-Exam Life Insurance Is Right for Me?

By Allison Kade Jun 22, 2023

In this article

Want the Best Possible Price? 

Want to Be 100% Certain You Won't Have to Take an Exam? 

Want Coverage Right Now, Without Even a Chance of Waiting? 

Want Coverage Even Though Your Health Isn't Good? 

Want a High Coverage Amount? 

When people talk about “no-exam life insurance,” there are several types of policies that could fit under that umbrella. Some of the main ones include:

  1. Term life insurance with accelerated underwriting

  2. Simplified issue life insurance

  3. Guaranteed issue life insurance

Each of those types of insurance are actually quite distinct. So if you are interested in pursuing life insurance that doesn’t make you stand on a scale or get your blood drawn, how do you know which type is right for you?

This will vary from person to person, but here are a few example scenarios.

Want the Best Possible Price? 

A medically underwritten policy is probably your best bet, especially if you're young and healthy. In some cases you may not be able to skip the medical exam, but if you apply with a company that offers accelerated underwriting, you may be able to have the best of both worlds (a solid price plus skipping the exam).

Here’s how to think about the cost of no-exam life insurance.

Want to Be 100% Certain You Won't Have to Take an Exam? 

In that case, you might opt for a simplified issue policy. These will cost more than traditional life insurance policies, but there won't be an exam, period.

Want Coverage Right Now, Without Even a Chance of Waiting? 

In many cases, accelerated underwriting means that you can be approved and receive an offer for coverage right away for medically underwritten insurance. Still, in other cases your application might make its way through the underwriting team for assessment. If you want coverage right this instant and don't want to risk the wait, you might consider guaranteed issue insurance.

Want Coverage Even Though Your Health Isn't Good? 

Depending on your condition, you might choose between simplified issue and guaranteed issue life insurance if you have major medical conditions that would otherwise stand in the way of your securing coverage.

Want a High Coverage Amount? 

Medically underwritten life insurance may offer higher coverage limits than simplified or guaranteed issue. If you want an especially high amount (for example, over $1.5 million), you may not have an option to skip the health exam.

At the end of the day, which type of no-exam life insurance is right for you will depend on factors like your health, lifestyle, priorities, coverage needs and more. If you don’t know where to begin, get back to the basics with how life insurance works and the ways a person might use an life insurance benefit.

Fabric exists to help young families master their money. Our articles abide by strict editorial standards.

Fabric by Gerber Life exists to help young families master their money. Our articles abide by strict editorial standards.

Information provided is general and educational in nature and is not intended to be, and should not be construed as, financial, legal, or tax advice. Laws of a specific state or laws relevant to a particular situation may affect the applicability, accuracy, or completeness of this information. Federal and state laws and regulations are complex and are subject to change. We make no warranties with regard to the information or results obtained by its use, and disclaim any liability arising out of your use of, or reliance on, the information.

Fabric by Gerber Life offers a mobile experience for people on-the-go who want an easy and fast way to purchase life insurance.

Written by

Allison Kade

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© 2023 Gerber Life Agency, LLC

Term Life Insurance Policy Series ICC22 2205-4004 WSA and Accelerated Death Benefit Rider policy series ICC22 2205-2623 WSA (and state variations where applicable) issued by Western-Southern Life Assurance Company, Cincinnati, OH which operates in DC and all states except NY, and distributed by Gerber Life Agency, LLC using Fabric Technologies. Gerber Life Agency, LLC is an affiliate of Gerber Life Insurance Company (est. 1967). All are members of Western & Southern Financial Group (Western & Southern). Issuance of coverage for Term Life Insurance is subject to underwriting review and approval. Please see a copy of the policy for the full terms, conditions and exclusions. Product provisions, availability, definitions and benefits may vary by state. Payment of benefits under the life insurance policy is the obligation of, and is guaranteed by, the issuing company. Guarantees are based on the claims-paying ability of the issuer. Products are backed by the full financial strength of the issuing company.

All sample pricing is based on a 30-year old F in Excellent health for the coverage amount shown and a 10-year term policy, unless otherwise stated. Gerber Life Agency, LLC (GLA) is an insurance agency licensed to sell life insurance products. GLA will receive compensation from Western-Southern Life Assurance Company for such sales. The NAIC Company Code for Western-Southern Life Assurance Company is 92622.

Western-Southern Life Assurance Company's A+ Superior A.M. Best Rating: Superior ability to meet ongoing insurance obligations (second highest of 13 ratings; rating held since June 2009). Ratings are subject to change from time to time. The ratings shown here are correct as of 09/03/2022. For more information about a particular rating or rating agency, please visit the website of the relevant agency.

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In the State of California, Gerber Life Agency, LLC is known as and does business as Gerber Life Insurance Agency, LLC.