There may be concerns about completing a physical exam to obtain life insurance. Hence, we want to make sure you are aware of the possibility of getting a life insurance policy without an exam requirement. The following is a list of companies that offer the potential of an exam-free life insurance application process, along with the age ranges and maximum insurance amounts for which these options are available.
Most of these companies still reserve the right to require an exam based on a review of answers to a telephone interview or online health questionnaire (SBLI is an exception and guarantees no exam), but if you don’t have current health concerns or a significant health history, our experience is that you will likely be able to obtain a policy with these companies without having to complete an exam.
American General
Ages 18-59: up to $1,000,000 (Term Product)
Ages 18-59: up to $2,000,000 (Cash Value Products Only)
American National
Ages 18-50: up to $2,000,000
Ages 51-60: up to $1,000,000
Ameritas (Instant Issue Available)
Ages 18-60: up to $2,000,000 (Not available in NY)
Assurity
Ages 18-50: up to $1,000,000
Ages 51-65: up to $500,000
Bestow (Instant Issue Available)
Ages 18-20: up to $500,000
Ages 21-45: up to $1,500,000
Ages 46-60: up to $1,000,000
Foresters
Ages 18-55: up to $400,000
Ages 56+: up to $150,000
Guardian
Ages 18-45: no stated amount limits
Illinois Mutual
Ages 18-65: up to $249,999
John Hancock
Ages 18-60: up to $3,000,000
Legal & General/Banner Life
Ages 20-60: up to $2,000,000
For term lengths of 15 – 40 years
Lincoln National
Ages 18-60: up to $2,500,000
MassMutual
Up to $1,000,000
National Life
Ages 18-60: up to $2,000,000
Nationwide
Ages 18-49: up to $2,000,000
Ages 50-60: up to $1,000,000
North American
Ages 18-50: up to $1,000,000
Ages 51-60: up to $1,000,000
Ohio National
Ages 18-45: up to $1,000,000
Pacific Life
Ages 18-70: Up to $3,000,000
Penn Mutual
Ages 20-65: up to $7,500,000
Principal
Ages 18-40: up to $3,000,000
Ages 41-60: up to $2,500,000
Protective Life
Ages 18-45: up to $1,000,000
Ages 46-60: up to $500,000
Prudential
Ages 18-60: up to $3,000,000
Sagicor
Ages 18-45: up to $1,000,000
Ages 46-55: up to $750,000
Ages 56-65: up to $500,000 (no 20-year term)
SBLI
Ages 18-50: up to $1,000,000
Securian/Minnesota Life
Ages 18-50: up to $3,000,000
Ages 51-60: up to $1,000,000
Symetra (Instant Issue Available)
Ages 18-50: up to $3,000,000
Ages 51-60: up to $1,000,000
Thrivent Financial
Ages 18-60: up to $1,000,000
Transamerica
Ages 0-45: up to $2,000,000
Ages 46-55: up to $1,000,000
United of Omaha
Ages 18-65: up to $10,000,000 (with an annual physical completed within the past 12 months)
This information does not constitute an official underwriting statement and these guidelines are subject to change. We will continue to update this list as new information becomes available. For more information about any of these companies and their underwriting guidelines, please contact us.
