No Exam Whole Life Insurance (Is it Worth Skipping the Exam?)

Written by Kim Wilhelm

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Last Updated 21 May 2024

Most people, especially seniors, are used to life insurance requiring a medical exam to get coverage. Life insurance companies use the exam results to assess your risk and determine your premium. 

But what if we told you that anyone can qualify for no exam whole life insurance? And Final Expense Direct can help you find the cheapest life insurance no medical exam?

Here’s what you need to know about no exam whole life insurance and why it’s a great choice for seniors.

What is No Exam Whole Life Insurance?

No exam whole life insurance is a type of life insurance policy you can buy that doesn’t require a medical exam. Though a medical exam is free to you, it involves having a nurse perform an exam in your home or in a medical facility. The nurse will:

  • Measure your height and weight
  • Use it to calculate your BMI
  • Collect blood and urine to be tested in a lab
  • Check your blood pressure and pulse

The life insurance company then uses the results to determine whether they will approve or deny your application request. If you’re approved, your premium will be based on your risk category. The healthier you are, the cheaper your premium.

But what if you’re a senior with some health problems, or you’re overweight? You might want to consider life insurance for seniors no medical exam. Not only do you not have to take the exam, you can usually get a decision a lot sooner. Even if you’re a healthy senior, you might be surprised at how cheap a no exam whole life insurance policy is.

Types of No Exam Whole Life Insurance

When you apply for no exam final expense whole life insurance, you have two options. The best whole life insurance no medical exam policy to choose depends on your health.

Simplified Issue Life Insurance

Simplified issue life insurance doesn’t require a medical exam, but you will have to answer a few questions about your health on the application. 

The questions differ by carrier, which is why it’s always a good idea to work with a broker like Final Expense Direct. 

We know which carriers work best with different health issues, so you have the best chance of being approved.

If you can qualify for simplified issue whole life burial insurance, you can get a cheaper rate than with the other type of no exam whole life insurance.

Guaranteed Issue Life Insurance

Guaranteed issue life insurance is the best choice for seniors in poor health or with multiple health conditions. Guaranteed acceptance life insurance has no health questions or medical exam to complete.

Just apply and make a payment and you’re approved. While guaranteed issue funeral insurance is the easiest to get approved, it’s also the most expensive. 

If you’re looking to get the cheapest guaranteed acceptance burial insurance, we work with many of the top-rated final expense companies offering this policy. Though you might recognize AARP and MetLife, we don’t recommend them, and here’s why:

No matter which type of final expense no exam policy you’re considering, call us at Final Expense Direct. We’ll ask you a few health questions and help you choose a plan that works best for you.

Can I Get Term Life Insurance Over 50 No Medical Exam?

Yes, you can get term life insurance over 50 no medical exam, but we don’t recommend it. Term life insurance is a great choice for young and healthy people who only need coverage for temporary needs like their mortgage and student loan debt.

But most seniors have permanent life insurance needs, like paying for a funeral and their final expenses. With term life insurance, seniors over 50 can usually only qualify for up to 15 years of term life insurance.

If you buy it at 50 and outlive the policy, it expires at 65, and now you don’t have life insurance anymore. Getting final expense insurance at 65 is going to be a lot more expensive than if you would have bought it at 50. And if you have health problems you didn’t have at 50, you might only qualify for the more expensive guaranteed issue funeral insurance.

When you buy whole life insurance, you’re covered for life, not just temporary coverage like with term life insurance. Sure, it costs more in the beginning, but your rate will never go up and you’ll never be without coverage as long as you pay the premium.

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How Can I Get No Exam Final Expense Whole Life Insurance?

It’s easy to get no exam final expense whole life insurance with Final Expense Direct. We work mostly with seniors, but we can help God fearing Americans of all ages get whole life insurance coverage.

Simply fill out the form online or call us to be connected directly to one of our agents. They’ll ask you a few health questions and help you figure out how much coverage you need, if you don’t already know.

Then you’ll choose a plan and the agent will help you fill out the application over the phone. Almost everyone gets approved before they hang up.

It’s that easy! We do all the shopping for you, so you don’t have to spend hours getting quotes, fielding phone calls from sales reps, and comparing policies.

And did we mention it’s free for you? You never have to pay Final Expense Direct any money, and your rates are exactly the same as if you called the carrier up yourself. But why do that when you don’t have to?

Call us today at Final Expense Direct to get covered so you can hang up with peace of mind and a life insurance policy. 

FAQs No Exam Whole Life Insurance

Can You Get Whole Life Insurance Without Medical Exam?

Yes, you can get whole life without medical exam. You might have to answer a few health questions to be approved, depending on the carrier. And if you’re in poor health, don’t worry. There are companies offering guaranteed acceptance life insurance no health questions or medical exam.

  • Immediate Approval Over the Phone Today!
  • Speak to a Live Agent 
  • Just a Few Health Questions 

How Much Life Insurance Can You Get With No Exam?

How much life insurance you can get with no exam depends on the type of policy and carrier. Some companies offer up to 500k life insurance no medical exam, while others offer up to $3 million if you buy term life insurance. If you need whole life insurance, you may be capped at $150k or less of no medical exam life insurance.

Is No Medical Exam Life Insurance Worth it?

If you’re young and healthy, no medical exam life insurance may not be worth it. But if you’re a senior or have multiple medical conditions, no medical exam life insurance is worth it. It’s also worth it if you don’t want to take the exam and wait weeks for a decision, risking a higher premium that you applied for if something comes back in your lab results or medical history.


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