No-medical life insurance
Life insurance with simplified approval
Simplified or guaranteed-issue life insurance for people who prefer not to — or can’t — take a medical exam.
Who it’s for
Is this right for you?
- People who want coverage quickly
- People with health conditions
- Seniors who want final-expense coverage
How it works
- Answer a few questionsOr none, for guaranteed-issue plans.
- Fast decisionOften within days, sometimes instantly.
- Coverage startsSome plans have a waiting period for full benefits.
Key features
What you get
- No medical exam
- A few health questions (simplified issue) or none (guaranteed issue)
- Fast decisions
- Useful for people with health conditions
Get started
Talk to an advisor
Tell us a little about what you need. A licensed advisor will compare options from several insurers and call you back — there is no cost for advice.
- Free, no-obligation quote
- Options from several insurers
- Clear explanation of benefits and exclusions
Questions
Frequently asked questions
Is no-medical insurance more expensive?
Usually, yes — the insurer knows less about your health. Fully underwritten coverage is often cheaper if you are healthy, so we’ll compare both.