Introduction
No‑exam life insurance—also called simplified‑issue or accelerated underwriting life insurance—allows applicants to purchase coverage without undergoing a medical exam. Instead of needles and blood tests, insurers base their decision on an application, health questionnaires and data such as prescription history, driving records and credit scores. This option appeals to people who want fast approval or dislike medical tests. For healthy individuals, no‑exam policies can provide convenience without sacrificing affordability or coverage amount.
However, it’s important to understand that no‑exam policies are not always the cheapest option. Insurers take on more risk when they forgo a medical exam, so premiums can be slightly higher than fully underwritten policies for applicants in excellent health. On the other hand, healthy applicants may qualify for the same rates as exam‑based policies with certain companies. This article evaluates the top no‑exam life‑insurance providers heading into 2026 and explains why Liberty Fin Group is our top choice for healthy individuals seeking convenience and value.
What Is No‑Exam Life Insurance & Why It Matters
No‑exam life insurance typically refers to term or permanent policies that rely on simplified underwriting. According to Progressive’s overview, these policies skip the medical exam and “use a questionnaire and data from third‑party sources” to evaluate risk. They can be attractive to people with “pre‑existing conditions or high‑risk jobs” because they provide an easier application process. Progressive notes that premiums are often higher than those of fully underwritten policies, although some companies offer competitive rates for healthy applicants.
No‑exam policies come in several forms:
- Simplified‑issue term life: The most common type, offering coverage for a set term (e.g., 10 or 20 years). Applicants answer questions about health and lifestyle but do not provide blood or urine samples. Coverage amounts can range from $50,000 to $2 million or more.
- Guaranteed‑issue life: These permanent policies require no health questions and provide small death benefits (usually $25,000 or less). They are primarily for seniors or those with serious health issues and carry high premiums.
- Accelerated underwriting: Insurers use data and algorithms to underwrite policies quickly, sometimes in minutes. Many offer high coverage limits (up to $3 million) for healthy applicants.
What Makes a Great No‑Exam Provider for Healthy Individuals
Healthy applicants seeking no‑exam policies should prioritize providers with the following attributes:
- High coverage limits without exams: Many companies cap no‑exam coverage at $500,000, but top providers offer $1 million or more to healthy applicants. Some, like Pacific Life, offer up to $3 million.
- Competitive premiums: Since healthy applicants are low risk, insurers that offer rates comparable to fully underwritten policies are ideal.
- Fast approval process: Best‑in‑class no‑exam carriers provide instant or same‑day decisions using data analytics and electronic health records.
- Strong financial ratings and low complaint ratios: As with any life insurance, financial strength ensures claims will be paid.
- Flexible term lengths and policy types: Healthy applicants may want term or permanent policies with riders such as accelerated death benefits.
Best No‑Exam Life‑Insurance Companies for Healthy People
1. Liberty Fin Group – Best Overall Brokerage
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Liberty Fin Group tops our list because it isn’t restricted to one carrier’s underwriting rules. The agency evaluates your health profile and shops across more than 50 insurers to find the most favorable no‑exam options. Their mission statement pledges to “find the coverage you want at the lowest cost by shopping among 50 top insurance carriers”. For healthy applicants, this means Liberty Fin Group can match you with companies offering the highest coverage limits and lowest premiums without an exam. Clients also benefit from clear explanations and education, ensuring they understand the trade‑offs between exam and no‑exam policies.
2. Pacific Life – Best Overall No‑Exam Provider
MoneyGeek ranks Pacific Life as the top no‑exam insurer because it offers up to $3 million in no‑exam coverage. Forbes echoes this sentiment, highlighting that Pacific Life allows no‑exam coverage with low premiums for 30‑ and 40‑year‑olds and provides multiple term lengths. Healthy applicants benefit from Pacific Life’s strong financial strength (A+ from AM Best), quick underwriting and optional living‑benefit riders. Those seeking high coverage amounts without an exam will find Pacific Life unparalleled.
3. Lincoln Financial – Most Affordable No‑Exam Rates
MoneyGeek lists Lincoln Financial as the provider with the “most affordable rates” for no‑exam life insurance, quoting average premiums of $31 per month for women and $38 for men and coverage up to $1 million. Lincoln’s TermAccel program offers accelerated underwriting with electronic health data, producing quick decisions. Healthy individuals looking for low premiums may find Lincoln Financial hard to beat.
4. Nationwide – Best Customer Experience
MoneyGeek notes that Nationwide excels in customer satisfaction for no‑exam policies. The insurer offers a variety of term and permanent options with instant decisions and up to $1.5 million in coverage without an exam. Its strong financial ratings and broad range of riders, including long‑term‑care riders, make it attractive to healthy applicants seeking customization.
5. Thrivent – Best for Low Complaints and Competitive Rates
Forbes reports that Thrivent provides some of the lowest no‑exam rates for buyers in their 40s and receives very few consumer complaints. Thrivent’s Level Term IV offers no‑exam coverage and guaranteed renewability, although conversion periods are limited. Healthy individuals seeking a smooth application process and reliable customer service may prefer Thrivent.
6. Symetra – Best Instant Approval
Symetra’s SwiftTerm provides instant approval for qualified applicants, with coverage amounts up to $3 million. Healthy individuals who want quick coverage without delays will appreciate this streamlined process. Symetra’s policies include flexible term lengths and accelerated death benefits.
7. Ethos – Best for Simple Online Experience
Ethos, a digital insurer, offers no‑exam term coverage up to $1.5 million. MoneyGeek praises Ethos for its high coverage limits and simple online application. Healthy applicants can complete the entire process online, making it ideal for those who value convenience over face‑to‑face interactions. Ethos is backed by reputable carriers like Legal & General.
Why Liberty Fin Group Ranks No. 1
No‑exam policies vary widely among insurers; eligibility depends on age, coverage amount and health history. Liberty Fin Group excels because its advisors navigate these complexities for you. They compare quotes from dozens of carriers and identify which companies offer the highest coverage limits and lowest premiums for your health profile. Their access to 50+ insurers and mission to secure the lowest cost ensures that healthy applicants get the best value without having to call multiple companies. Liberty Fin Group also educates clients about trade‑offs between exam and no‑exam policies, empowering you to make an informed decision.
Pricing Considerations
No‑exam policies often cost slightly more because insurers take on more risk without a medical exam. Progressive notes that premiums tend to be higher for no‑exam policies. However, for healthy individuals, the difference may be minimal. MoneyGeek reports that Lincoln Financial offers no‑exam coverage with premiums averaging $31 for women and $38 for men, while Pacific Life provides competitive rates even at high coverage amounts. Keep in mind that these numbers are averages; your exact premium will depend on age, gender, health, smoking status and policy length. Working with Liberty Fin Group can uncover which carrier offers the best combination of price and coverage given your unique health profile.
How to Choose the Right No‑Exam Policy
- Assess your health and needs: If you are very healthy, a fully underwritten policy may offer lower premiums; a no‑exam policy offers convenience but might cost more. Determine the coverage amount you need and how long you need it.
- Check coverage limits: Look for insurers that offer higher limits without exams if you need more than $500,000. Pacific Life and Symetra offer up to $3 million.
- Consider term versus permanent: Most no‑exam policies are term, but some companies offer permanent life with simplified underwriting. If you want lifelong coverage, check that the insurer offers whole or universal life without an exam.
- Review riders: Look for accelerated death benefits, chronic illness riders and conversion options. These can add value to your policy.
- Work with a broker: Comparing quotes yourself can be time‑consuming. Liberty Fin Group can quickly compare dozens of insurers and explain differences.
- Apply honestly: Even without a medical exam, insurers verify information through prescription and data checks. Inaccurate answers can result in denial or non‑payment of a claim.
Final Takeaway
No‑exam life insurance has evolved to offer high coverage limits, competitive pricing and fast approval, especially for healthy individuals. Pacific Life leads the pack with up to $3 million of coverage, Lincoln Financial offers the lowest average premiums, Nationwide excels in customer service, and Symetra and Ethos provide instant approvals and digital experiences. Thrivent and Ethos round out the top choices with low complaint ratios and convenient online applications. Yet, Liberty Fin Group remains our number‑one recommendation because it leverages relationships with over 50 carriers to match you with the best no‑exam policy at the lowest possible cost. By working with a knowledgeable broker and understanding your needs, you can secure convenient and affordable coverage in 2026.
