No Medical Exam Life Insurance
/2025%20Update/AdobeStock_705236466_yflso7.jpg)
Our application is free and won't affect your credit score.
/2025%20Update/AdobeStock_1129508811_crop_hnwnql.tiff)
No medical exam life insurance is precisely what it sounds like—a policy you can apply for without undergoing a physical exam. At Ethos, you fill out an online application and answer a few health questions. Our technology-driven underwriting process evaluates your eligibility and often provides instant decisions.
It’s not guaranteed-issue life insurance. Ethos policies still consider your health, but in a more efficient, data-driven way. There are no needles, doctor visits, or long waiting periods.
- People who want fast, hassle-free life insurance coverage
- Applicants who prefer to skip lab tests or doctor visits
- Individuals with manageable health conditions
- Parents or caregivers with limited time
- Healthy applicants looking for affordable, high-coverage policies
- Apply online – Fill out a quick application with personal and health-related questions.
- We review your info – Our technology evaluates your risk profile in real-time.
- Get a decision – Many applicants get an instant approval. Others may require a quick follow-up.
- Activate your coverage – Once approved, pay your premium, and you're covered—often within the same day.
Not necessarily. While some no-exam policies on the market are priced higher due to limited underwriting, Ethos offers competitive pricing thanks to an innovative, tech-driven evaluation process.
You still get affordable premiums and up to $3 million in coverage without a medical exam.
- Fast, online application process
- No physical exams or lab work - Just a few health questions
- Real-time underwriting decisions
- Competitive rates
- Up to $3M in coverage
- Simple and private
- Not everyone qualifies (approval depends on health answers)
- There are fewer customization options than in some traditional policies
- Coverage limits may vary based on your profile
When you apply
Answer each question with as much detail and accuracy as possible. And be sure to have the following information handy:
- Driver's license
- Social security number (to verify your identity)
- Personal and family medical history
- Current prescription information
- Citizenship documents (if applicable)
After you apply
If you’re asked to answer any follow-up questions, be sure to take care of these requests as soon as possible. The policy underwriting process will be delayed until these steps get completed.
FAQs
Can I get no-exam life insurance if I have a pre-existing condition?
Yes. Ethos considers many pre-existing conditions during underwriting. You may still qualify, depending on your overall health profile. No exam is required—just a few health questions in the online application.
What’s the maximum coverage amount without a medical exam?
Depending on your age and health history, Ethos offers no-exam life insurance coverage from $25,000 to $3 million.
Is no medical exam life insurance the same as a guaranteed issue?
No. Ethos uses digital underwriting, meaning no medical exam is required, but you do need to answer some health questions. Guaranteed issue policies, which ask no health questions, are different—and usually offer much lower coverage limits.
How fast can I get covered?
Most applicants are approved within minutes. Once your application is approved and your first premium is paid, your coverage can begin immediately—often the same day.
Who should consider no-exam life insurance?
This option is excellent for people who want fast, reliable coverage without the hassle of medical appointments or lab work.
What are the eligibility requirements?
Eligibility is based on your age (usually 20–65), your responses to health and lifestyle questions, and your personal profile. Ethos reviews this data through its tech-enabled process.
Can I get a policy if I’m over 60?
Yes. Ethos offers certain life insurance product for applicants over 60, depending on their health and other factors.
Can I convert a no-exam policy to a traditional policy later?
Ethos policies are term-based and do not convert to whole-life or fully underwritten policies. If your needs change later, you can reapply for a different policy type.
Get Started Today
Apply online in minutes and see your life insurance options instantly.
- No medical exam
- Just a few medical questions
- No waiting
- Coverage in minutes
Get your free life insurance quotes with no medical exam now. Don’t have Life Insurance? Well we made it easy for you to apply for reliable life insurance through our simplified and streamlined online application process. No exam | Just a few health questions | No waiting | No hassles | Fast, free quote!
The views and opinions expressed in this article are those of the author and do not necessarily reflect the opinions of Ethos Technologies Inc., its affiliates, employees or any other individuals. The information and content provided is for informational purposes only, and it is not to be considered legal, tax, investment, or financial advice, recommendation, or endorsement. You should consult with an attorney or other professional to determine what may be best for your individual needs.