Life Insurance with No Medical Exam

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)

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

Ages 18-55: up to $400,000
Ages 56+: up to $150,000

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

Up to $1,000,000

National Life
Ages 18-60: up to $2,000,000

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

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

Ages 18-60: up to $3,000,000

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)

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

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.