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Life insurance can help protect your loved ones by providing financial support if you pass away. While many policies require a medical exam as part of the application process, some options don’t. No medical exam life insurance is a popular choice for people who want to speed up the application process or skip the medical exam for other reasons. Read on to learn how no medical exam life insurance works and whether it may be a good fit for you or your family.
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No medical exam life insurance is a type of policy that allows you to apply for coverage without taking a physical exam. Rather than submitting blood work or meeting with a nurse, you may just need to answer a health questionnaire and allow your insurer to review your medical history.
You may prefer life insurance without a medical exam for several reasons. For example, maybe you:
By removing the medical exam requirement, you may move through the application process faster. The time it takes to receive a decision depends on your desired coverage amount, health history, and the insurer’s underwriting process.
Life insurance with no medical examination is available in a few different forms, including term life insurance and whole life insurance.
Term life insurance covers you for a set period. It’s often more affordable than whole life insurance, and your monthly payments usually stay the same throughout the term. If you pass away during the coverage period, your beneficiary will receive the death benefit. If the term ends before that, the coverage will expire.
Term life insurance may be a practical option if you want coverage for a specific stage of life, such as while you’re raising children or paying off a mortgage.
Whole life insurance provides coverage for your entire life, as long as you continue paying your premiums. It typically costs more than term life insurance, but the death benefit is guaranteed. This means your beneficiaries will receive your plan’s payout as long as the policy remains active.
With a whole life insurance policy, your premiums usually remain the same over time. You can also build up cash value, which you may be able to borrow against if you need access to funds.
Whole life insurance may be the right fit if you want lifelong coverage and the ability to build savings within your policy.
Both types of life insurance offer benefits and drawbacks to consider. We offer both types at Aflac, though your eligibility for no- exam coverage depends on your age, state, and preferred policy.
Don’t wait until it’s too late. Protect yourself and your family with coverage from Aflac.
Get StartedLike all life insurance policies, the cost of no medical exam life insurance is based on a variety of factors, including your age, lifestyle, coverage needs and medical history. To get a better idea of your estimated costs, try out our life insurance calculator.
The right life insurance depends on your priorities and preferences. You may prefer a no medical exam policy if you:
At Aflac, we offer term and whole life insurance plans without medical exams. We also provide guaranteed-issue life insurance plans with no medical questions for eligible applicants.
Need help selecting the right policy? Chat with an Aflac agent today to find out which life insurance plan is right for you.
Get Started
Life insurance with cash value lets you withdraw money to cover necessary expenses. Find out how cash value savings work and the types of insurance policies offered, including whole life insurance.
Review all the major differences between term and whole life insurance, including costs, coverage, pros & cons.
Life insurance with cash value lets you withdraw money to cover necessary expenses. Find out how cash value savings work and the types of insurance policies offered, including whole life insurance.
Review all the major differences between term and whole life insurance, including costs, coverage, pros & cons.
1 Investopedia - Whole Life Insurance Definition: How It Works, With Examples. Updated November 25, 2024. Accessed April 9, 2025. https://www.investopedia.com/terms/w/wholelife.asp.
2 Investopedia - What Is Cash Value in Life Insurance? Explanation With Example. Updated September 20, 2024. Accessed April 9, 2025. https://www.investopedia.com/terms/c/cash-value-life-insurance.asp.
3 Investopedia - How Much Is Life Insurance? Updated September 12, 2024. Accessed April 9, 2025. https://www.investopedia.com/how-much-is-life-insurance-7112541.
Coverage is underwritten by American Family Life Assurance Company of Columbus. In New York, coverage is underwritten by American Family Life Assurance Company of New York.
68000 series: In Arkansas, Idaho, Oklahoma & Virginia, ICC1368100, ICC1368200, ICC1368300, ICC1368400. In Delaware, Policies A68100-A68400. B1000: In Arkansas, Idaho, Oklahoma & Virginia, Policies: ICC18B61JWO & ICC18B61JTO. In Delaware, Policies B61JWO, B61JTO. B60000: In Arkansas, Oklahoma, & Virginia, Policies: ICC18B60C10, ICC18B60100, ICC18B60200, ICC18B60300, & ICC18B60400. Q60000: Whole: In Arkansas, Delaware Policy Q60100M. In Idaho Policy Q60100MID. In Oklahoma, Policy Q60100MOK. Term: In Delaware, Policies Q60200M. In Arkansas, Idaho & Oklahoma Policies ICC18Q60200M.
Aflac Final Expense insurance coverage is underwritten by Tier One Insurance Company, a subsidiary of Aflac Incorporated and is administered by Aetna Life Insurance Company. Tier One Insurance Company is part of the Aflac family of insurers. In California, Tier One Insurance Company does business as Tier One Life Insurance Company (Tier One NAIC 92908). Not available in New York.
In Arkansas, Delaware, Idaho, Oklahoma & Virginia, Policies ICC21-AFLLBL21 and ICC21-AFLRPL21; and Riders ICC21-AFLABR22, ICC21-AFLADB22, and ICC21-AFLCDR22.
Content within this article is provided for general informational purposes and is not provided as tax, legal, health, or financial advice for any person or for any specific situation. Employers, employees, and other individuals should contact their own advisers about their situations. For complete details, including availability and costs of Aflac insurance, please contact your local Aflac agent.
Coverage may not be available in all states, including but not limited to DE, ID, NJ, NM, NY, VA or VT. Benefits/premium rates may vary based on state and plan levels. Optional riders may be available at an additional cost. Policies and riders may also contain a waiting period. Refer to the exact policy and rider forms for benefit details, definitions, limitations and exclusions.
Receipt of accelerated death benefits may affect eligibility for public assistance programs. Benefits may also be taxable and are not expected to receive the same favorable tax treatment as other types of accelerated death benefits that may be available.
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Aflac New York | 22 Corporate Woods Boulevard, Suite 2 | Albany, NY 12211
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