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* Home
* Life Insurance Companies* Life Insurance
* Life Insurance Guide * No Exam Life Insurance * Life Insurance for Seniors * Life Insurance Rates* Get Quotes
* Apply Online
* Apply Online
888.407.0714
* Home
* Life Insurance Companies* Life Insurance
* Life Insurance Guide * No Exam Life Insurance * Life Insurance for Seniors * Life Insurance Rates* Get Quotes
* Apply Online
* Apply Online
888.407.0714
Life Insurance Without an ExamGet a quote today.
__Quick Decisioning
__Secure Online Application__Email Delivery
* ABOUT YOU
* DATE OF BIRTH
* CONTACT INFO
Coverage Amount
$250,000
* $100,000
* $150,000
* $200,000
* $250,000
* $300,000
* $400,000
* $500,000
* $600,000
* $700,000
* $800,000
* $900,000
* $1,000,000
$100,000$150,000$200,000$250,000$300,000$400,000$500,000$600,000$700,000$800,000$900,000$1,000,000Term Length
10 years15 years20 years30 yearsAbout You
Sex
* Male
* Female
SexMaleFemale
5’10"
* 4’8"
* 4’9"
* 4’10"
* 4’11"
* 5’0"
* 5’1"
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* 6’6"
Height4’8"4’9"4’10"4’11"5’0"5’1"5’2"5’3"5’4"5’5"5’6"5’7"5’8"5’9"5’10"5’11"6’0"6’1"6’2"6’3"6’4"6’5"6’6"170 lbs
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Weight80 lbs81 lbs82 lbs83 lbs84 lbs85 lbs86 lbs87 lbs88 lbs89 lbs90 lbs91 lbs92 lbs93 lbs94 lbs95 lbs96 lbs97 lbs98 lbs99 lbs100 lbs101 lbs102 lbs103 lbs104 lbs105 lbs106 lbs107 lbs108 lbs109 lbs110 lbs111 lbs112 lbs113 lbs114 lbs115 lbs116 lbs117 lbs118 lbs119 lbs120 lbs121 lbs122 lbs123 lbs124 lbs125 lbs126 lbs127 lbs128 lbs129 lbs130 lbs131 lbs132 lbs133 lbs134 lbs135 lbs136 lbs137 lbs138 lbs139 lbs140 lbs141 lbs142 lbs143 lbs144 lbs145 lbs146 lbs147 lbs148 lbs149 lbs150 lbs151 lbs152 lbs153 lbs154 lbs155 lbs156 lbs157 lbs158 lbs159 lbs160 lbs161 lbs162 lbs163 lbs164 lbs165 lbs166 lbs167 lbs168 lbs169 lbs170 lbs171 lbs172 lbs173 lbs174 lbs175 lbs176 lbs177 lbs178 lbs179 lbs180 lbs181 lbs182 lbs183 lbs184 lbs185 lbs186 lbs187 lbs188 lbs189 lbs190 lbs191 lbs192 lbs193 lbs194 lbs195 lbs196 lbs197 lbs198 lbs199 lbs200 lbs201 lbs202 lbs203 lbs204 lbs205 lbs206 lbs207 lbs208 lbs209 lbs210 lbs211 lbs212 lbs213 lbs214 lbs215 lbs216 lbs217 lbs218 lbs219 lbs220 lbs221 lbs222 lbs223 lbs224 lbs225 lbs226 lbs227 lbs228 lbs229 lbs230 lbs231 lbs232 lbs233 lbs234 lbs235 lbs236 lbs237 lbs238 lbs239 lbs240 lbs241 lbs242 lbs243 lbs244 lbs245 lbs246 lbs247 lbs248 lbs249 lbs250 lbs251 lbs252 lbs253 lbs254 lbs255 lbs256 lbs257 lbs258 lbs259 lbs260 lbs261 lbs262 lbs263 lbs264 lbs265 lbs266 lbs267 lbs268 lbs269 lbs270 lbs271 lbs272 lbs273 lbs274 lbs275 lbs276 lbs277 lbs278 lbs279 lbs280 lbs281 lbs282 lbs283 lbs284 lbs285 lbs286 lbs287 lbs288 lbs289 lbs290 lbs291 lbs292 lbs293 lbs294 lbs295 lbs296 lbs297 lbs298 lbs299 lbs300 lbs301 lbs302 lbs303 lbs304 lbs305 lbs306 lbs307 lbs308 lbs309 lbs310 lbs311 lbs312 lbs313 lbs314 lbs315 lbs316 lbs317 lbs318 lbs319 lbs320 lbs321 lbs322 lbs323 lbs324 lbs325 lbs326 lbs327 lbs328 lbs329 lbs330 lbs331 lbs332 lbs333 lbs334 lbs335 lbs336 lbs337 lbs338 lbs339 lbs340 lbs341 lbs342 lbs343 lbs344 lbs345 lbs346 lbs347 lbs348 lbs349 lbs350 lbs351 lbs352 lbs353 lbs354 lbs355 lbs356 lbs357 lbs358 lbs359 lbs360 lbs361 lbs362 lbs363 lbs364 lbs365 lbs366 lbs367 lbs368 lbs369 lbs370 lbs371 lbs372 lbs373 lbs374 lbs375 lbs376 lbs377 lbs378 lbs379 lbs380 lbs381 lbs382 lbs383 lbs384 lbs385 lbs386 lbs387 lbs388 lbs389 lbs390 lbs391 lbs392 lbs393 lbs394 lbs395 lbs396 lbs397 lbs398 lbs399 lbs400 lbsDo you use tobacco?
YesNo
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Year20212020201920182017201620152014201320122011201020092008200720062005200420032002200120001999199819971996199519941993199219911990198919881987198619851984198319821981198019791978197719761975197419731972197119701969196819671966196519641963196219611960195919581957195619551954195319521951195019491948194719461945194419431942194119401939193819371936193519341933193219311930192919281927192619251924192319221921Contact Info
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StateALAZARCACOCTDEDCFLGAHIIDILINIAKSKYLAMDMIMNMSMOMTNENHNMNVNJNCOHOKORPARISCSDTNTXUTVTVAWAWVWIWYSee My Quote
-------------------------4.8/5
Based on 1,000+ reviewsFeatured in
BUY NO EXAM LIFE INSURANCE ONLINE Save time and money by comparing policies and applying online.1 min
15 min
__Secure Online Application Bank level encryption ensures your information is transmittedsecurely.
__Accelerated Underwriting The policies we offer do not require an exam thanks to advancements in underwriting technology.__Digital Delivery
Once your policy is in force, you receive a copy via email.1 min
15 min
”This is a great service. We were just approved for a loan and we cannot close until we have life insurance in place and we need to move quickly to close.”L H
Satisfied Customer
”My entire experience with NoExam.com was extraordinary from broker contact through policy delivery.”Mason
Satisfied Customer
”This is a great service. We were just approved for a loan and we cannot close until we have life insurance in place and we need to move quickly to close.”L H
Satisfied Customer
”My entire experience with NoExam.com was extraordinary from broker contact through policy delivery.”Mason
Satisfied Customer
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What makes it all possible? Accelerated underwriting allows you to receive a quicker decision on your life insurance application.1Pre Qualify
Prior to applying for life insurance, answer a short medical questionnaire to see if you qualify for accelerated term lifeinsurance.
2Medical Records
Instead of the exam, the insurance company will perform checks on your medical record, prescription report, and driving record.3Digital Delivery
Receive your policy documents via e-mail. Get your policy the same day you are approved for coverage.0%
Of consumers said they would use the internet to research life insurance before making a purchase.0%
Customer satisfaction rating from shoppers who have purchased life insurance from NoExam. Ready to get started? Get a quote, compare prices, and apply online today! The new method for buying life insurance.Apply Now
FREQUENTLY ASKED QUESTIONS Why Did We Create This Business? To help people understand their options For years, life insurance has confused and eluded a large portion of the American population. People either do not know they need coverage, do not know where to start, or get so overwhelmed with the application process that they never secure much needed life insurance coverage. We wanted to do everything we could to help Americans get the best life insurance coverage for their families in order to provide for them in the event of their untimely death. As a result, our service was born to help people understand their life insurance options and get the best coverage possible to protect their families. These astonishing statistics show many of the reasons we chose to start our no exam life insurance portal: * Only 61% of adults life insurance, a decline from 70% in 1984, and only 41% of adult Americans have life insurance coverage outside of work (the process and time commitment is burdensome). * Among those with life insurance, about 1 in 5 say that they do nothave enough.
* Half of all adults visited a life insurance website and/or sought information online in 2018. Almost 1 in 3 purchased or attempted to purchase life insurance online (If you’ve done this, you are not alone. It was probably too much work and time). * Most people overestimate the cost of life insurance, especially younger Americans. 44% of Millennials overestimate the cost at 5x theactual amount.
* 50% of all people say they are more likely to purchase life insurance if there is no physical examination (sound familiar). * 35% of all households would feel a severe financial impact within 1 month if the primary wage earner died. * 75% of Americans think the greatest benefit that an insurance company can offer is a simplified issue policy. * There over 600 Companies in the US offering life insurance product (comparing all those companies would take years). Stats taken from LIMRA’s 2018 Insurance Barometer Study. We totally understand and relate to these pain points with traditional life insurance coverage. At the end of the day, just about everyone needs some level of life insurance coverage for their family. We want you to feel comfortable with your life insurance options, and also make it extremely convenient to secure life insurance coverage for the people you love the most. We’ve made insurance easy, affordable, and quick for you. We’ve found the top carriers with the most competitive products. Life insurance can be hard, but we’ve designed a system to make itsimple.
Our independent life insurance agents represent these no exam life insurance companies, as well as dozens of the other best life insurance companies on the market. This allows us to provide superior life insurance rates, as well as a wide range of coverage options to ensure you find the best policy for your needs. Why Do People Buy Life Insurance? There are all sorts of reasons that people purchase life insurance coverage. The primary reasons are: * Income Replacement * Debt Protection (Mortgage , Credit, Auto, etc... ) * Education Replacement * Small Business Loans * Divorce Requirement* Lease Purchase
* And More…
Mainly, people who have financial dependents and large amounts of debt should consider life insurance in order to protect their loved ones in the event of their death. While it is not a pleasant thought, we all must die one day. Protecting your family in the event of your death is the primary purpose for life insurance.REPLACING INCOME
For those with financial dependents such as children and spouses, life insurance can supplement your income for them in the event of yourdeath.
PAYING OFF DEBT
For those with large amounts of debt such as mortgage, car loan, student loans, auto loans, etc… life insurance can serve as a way to pay off these debts in the event of your death so that they are not passed on to your family through an estate.DIVORCE REQUIREMENT
Occasionally, life insurance may be required by law in the event of a divorce in order to prove that you have a way to pay child support or alimony in the event of your death.BUSINESS LOANS
Life insurance is often times used by business owners as a way of collateral assignment for loans. In this case, a life insurance policy can be taken out that is then assigned as collateral on a loan, promising that the policy will pay out the amount you owe to the bank in the event of a default. SMALL BUSINESS LOANS Securing an SBA loan or funding a buy-sell agreement. Maybe you are finally launching your dream company, but are securing an SBA loan to do so. Most people didn’t know that the government requires you to secure your SBA loan with a life insurance policy as collateralassignment.
From the SBA website: “the Lender should require life or disability insurance where there is a concern over whether the business could survive in the absence of an individual or small group of individuals that provide the management for the small business concern.” You need this money now to begin your business, and can’t wait 2-3 months for a life policy to be approved. “No exam” policies can be approved instantaneously without holding up your business financing.ADOPTION
Many adoption agencies will want to make sure the child is not placed in a financially unstable home. One way to demonstrate financial care for the child is to have life insurance in place to provide for care if something happens to you. Again, speed is the issue here, and long delays in underwriting could delay or suspend an adoption process.OTHER OPTIONS
Life insurance is also used for many other reasons, such as planning for retirement, leaving a legacy, building a trust or estate, and as an investment vehicle. For the most part, if these reasons are why you are looking for life insurance, you should likely consider permanent life insurance, which we will discuss at the end of this section. What Can Our Agents Do For You? Life insurance can be quick, painless, and affordable. But there are still a lot of options and a lot to consider. Do you go with the quick “no-exam” life product, or go thetraditional route?
WHICH COMPANY WILL BE THE BEST FIT FOR YOUR NEEDS? That’s why we are here. Yes you get a quote and apply online without ever talking with us. Many people choose to do that. We have set up portal to make life insurance as easy as possible. We are also real people who have can help. We’ve developed a group of experts on multiple companies and products to be able to guide you through multiple life options. Our job is to find you the best coverage at the best value, and we can do that through our portal or by speaking with one of our agents. Check out our online system, but remember we are here to answer your questions and concerns about your own life insurance situation. Contact us today and let us help you find the best life product foryou.
Is it Term or Whole Life Insurance? Our online application is for term life insurance policies. We also offer whole life insurance, but you will need to speak with one of our agents on the phone to receive a quote and apply. Of the two types of life insurance, term is the most popular. How Can I Get a Life Insurance Quote? Fill out the form at the top of this page to see your custom life insurance quote. We will need your date of birth, height, weight, tobacco usage (if any), coverage amount and term length to show you a quote. This quote is preliminary and does not take into account any health issues you may have. Do I Have to Take a Medical Exam? No. We offer term insurance that does not require an exam. We also
offer term policies that do require an exam. On average, the term life policies that do not require an exam have higher premiums. What What if I Have Health Conditions? We advise those with health issues to go with a fully underwritten policy. Typically, life insurers let applicants with outstanding health skip the exam. If you are in good health, but have a lengthy medical history, it is best to take the exam to ensure the best rate. How Much Life Insurance Coverage Should I Get? A life insurance calculator will tell you to choose a death benefit that is equal to 7-10 times your annual income plus whatever debt you carry. Also include an amount for your children's college tuition. For the term length, we recommend a 20 or 30 year term as they provide themost value.
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