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What’s the Cost of No-Exam Life Insurance?

By Jessica Sillers Jun 22, 2023

In this article

When applying for life insurance, being asked to take a health exam can give people pause: Do you really want to be poked and prodded? No-exam life insurance is a way to gain coverage to help protect your family without needing to step on a scale or get your blood drawn. 

But that leads many people to wonder: Does it cost more to get a policy without a health exam?

In some cases, you may be able to get a term life insurance policy at the same price as if you’d taken a medical exam. In other cases, if your age and health isn’t optimal enough to qualify for a term life policy with accelerated underwriting, you might need to opt for a simplified issue or guaranteed issue life insurance policy if you’re intent on skipping that exam.

Prices can vary greatly based on several factors such as:

  • What kind of policy are you applying for? For the most part, simplified issue and guaranteed issue policies will be more expensive than policies that are medically underwritten.

  • How much coverage are you applying for? The higher your face amount (that's another word for your coverage amount), the more expensive your policy.

  • How long is your term length? The longer the term length, the pricier the policy.

  • What are your age, gender, health and other personal details? Because life insurance policies are priced according to your levels of risk, your individual situation will determine whether you're offered coverage and for how much.

Below are sample rates for a 30-year-old, non-smoking male in Texas in excellent health (in other words, the best risk class) according to Fabric's term life insurance quotes as of May 2023.

10-year term 15-year term 20-year term
$250,000 $11.45/mo $13.52/mo $17.77/mo
$500,000 $15.58/mo $16.86/mo $22.89/mo
$750,000 $20.11/mo $22.03/mo $31.07/mo
$1 million $23.31/mo $27.20/mo $39.19/mo

Of course, this is only an example and your real rates are likely to vary. Additionally, this hypothetical man in Texas may be able to skip the health exam because he meets the various parameters of our algorithms, but not every applicant through Fabric will be able to skip the exam.

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

Jessica Sillers

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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.

Plan like a parent. is a trademark of Fabric Technologies, Inc.

Gerber Life is a registered trademark. Used under license from Société des Produits Nestlé S.A. and Gerber Products Company.

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