Introduction
Hate doctor visits? You’re not alone—and with no medical exam life insurance, you can skip the needles, paperwork, and waiting rooms. In 2025, more companies are offering fast, hassle-free policies that still protect your loved ones. Let’s dive into the best options and what they cost.
What Is No Medical Exam Life Insurance?
No medical exam = no blood tests, no urine samples, no awkward doctor visits.
Instead, insurers use:
- Your application answers
- Pharmacy + health records
- Driving history
- Credit report (sometimes)
You can get approved in minutes to days, not weeks.
Who Should Consider It?
- People with health issues (but still insurable)
- Smokers or ex-smokers
- Those needing quick coverage (divorce, loan, etc.)
- People who hate doctor visits
- Anyone aged 18–60, especially under 50
Top No Exam Life Insurance Companies (2025)
1. Bestow (Backed by North American Company)
- Age Range: 18–60
- Coverage: $50,000 to $1.5M
- Term Lengths: 10 to 30 years
- Approval Time: Instant
- Medical Exam: Never
- Bonus: Fully digital, super fast
2. Haven Life (Backed by MassMutual)
- Age Range: 20–64
- Coverage: Up to $3M
- Term Lengths: 10 to 30 years
- Approval Time: Instant for many
- Bonus: Some applicants may still need a quick follow-up, but most avoid the exam
3. Ethos
- Age Range: 20–65
- Coverage: Up to $2M
- Term & Whole Life options
- Medical Exam: Rarely required
- Bonus: AI-powered decisions, great for busy people
4. Ladder Life
- Age Range: 20–60
- Coverage: $100,000 to $3M
- Medical Exam: Usually no, unless you apply for higher amounts or are older
- Bonus: You can increase/decrease coverage online anytime
5. Fabric by Gerber Life
- Coverage: Up to $1.5M
- Extras: Free will-building tool
- Medical Exam: None for most
- Bonus: Great for new parents
Average Monthly Rates (2025)
| Age | $500K / 20-Year Term | Male | Female |
|---|---|---|---|
| 25 | $18–25 | ✅ | ✅ |
| 35 | $25–32 | ✅ | ✅ |
| 45 | $40–55 | ✅ | ✅ |
| 55 | $70–95 | ✅ | ✅ |
These are no-exam rates for healthy individuals. If you have health conditions, the price may be higher—but still affordable.
Pros vs Cons
Pros:
- No needles or labs
- Fast approval (some in 10 minutes)
- Online application
- Flexible coverage options
Cons:
- Can be pricier for high-risk individuals
- Lower max coverage than full underwriting
- Not ideal for older applicants seeking big policies
How to Get Covered Today
- Choose your company (Bestow, Haven, Ethos…)
- Fill out their online form
- Get a quote instantly
- Finalize & get covered in minutes—often no human interaction needed
Final Thoughts
No-exam life insurance is no longer a backup plan. In 2025, it’s a legit, affordable, and smart option—especially if you’re young, busy, or just want peace of mind ASAP. Don’t wait. Your future self will thank you.