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No Exam Life Insurance Companies

The following is a quick breakdown of the most competitive no exam life insurance companies who offer a no exam life insurance policy as of today. Not all policies or companies available in all states.


ANICO No Exam Life Insurance

American National Insurance Company

American National Insurance Company (ANICO) has a no exam life insurance policy called the ANICO Signature Term SI. Here are some of its features and limitations:

  • Term Length: 10, 20, 30 Year Level
  • Eligible Ages: 18-64 (10 Year), 18-60 (20 Year), 18-50 (30 Year)
  • Min-Max: $50,000-$250,000
  • Ratings Available: Standard (Sub-Standard 1-4 issued as Standard)

Assurity No Exam Life Insurance

Assurity Life Insurance Company

Assurity Life Insurance Company offers a product called the NonMed Term 350. Here are its features and limitations:

  • Term Length: 10, 15, 20 or 30 Year Level
  • Eligible Ages: 18-65 (10/15 Year), 18-60 (20 Year), 18-50 (30 Year Non-Tobacco), 18-45 (30 Year Tobacco)
  • Min-Max: $50,000-$350,000
  • Ratings Available: Select+, Select, Standard (Tobacco and Non-Tobacco)

Fidelity No Exam Life Insurance

Fidelity Life Association

Fidelity Life Association offers their product named the Rapid Decision Express Term. Here are its features and limitations:

  • Term Length: 10, 15, 20 or 30 Year Level
  • Eligible Ages: 18-65 (10 Year), 18-60 (15 Year), 18-55 (20 Year), 18- 45  (30 Year)
  • Min-Max: $25,000-$250,000
  • Ratings Available: Standard (Non-Tobacco, Tobacco)

Mutual No Exam Life Insurance

Mutual of Omaha Insurance Company

Mutual of Omaha Insurance Company (also United of Omaha Life Insurance Company) carries a no exam life insurance product in their Term Life Express series. Here are the features and limitations:

  • Term Length: 15, 20, 30 Year Level
  • Eligible Ages: 18-65 (depending on term duration and risk class)
  • Min-Max: $50,000-$400,000
  • Ratings Available:  Standard and Sub-Standard (Non-Tobacco, Tobacoo)

National No Exam Life Insurance

National Life Group (Life Insurance of the Southwest)

National Life Group offers the 1Click Coverage Term product. Here are product features for this no exam life insurance:

  • Term Length: 10, 15, 20, 30 Year Level
  • Eligible Ages: 20-60
  • Min-Max: $25,000-$350,000
  • Ratings Available: Preferred, Select (Non-Tobacco, Tobacco)

Sagicor No Exam Life Insurance

Sagicor Life Insurance Company

Sagicor Life Insurance company has one of the most competitive products in their Sage Term Simplified Issue product. Here are its features and limitations:

  • Term Length: 10, 15, 20 Year Level
  • Eligible Ages: 18-65
  • Min-Max: $50,000 – $399,000
  • Ratings Available: Preferred, Rated, Standard (Non-Tobacco) and Preferred, Standard (Tobacco)

For information about different riders available, please visit this page.

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