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5 Reasons You Won’t Qualify for No Exam Life Insurance

No exam life insurance is the next big thing in life insurance. More and more people are jumping on the bandwagon, especially in the days of COVID-19 when minimizing human contact is the name of the game. No exam life insurance allows you to get life insurance without including a medical exam as part of your application. This means you can apply entirely online and get approved more quickly. It’s also a great option for people who are scared of giving blood samples.

With such a hot commodity on the market, you would think that everyone would be applying for it. And actually, many people are. The issue is, not everyone who applies is accepted. Due to the simplified and accelerated underwriting process, insurers have made it harder to get accepted. Additionally, if you do get accepted, your monthly premiums may be higher than those of a traditional life insurance policy. To get a free quote, click here.

Why is that?

Traditional life insurance policies are fully underwritten, which means a team of underwriters assesses all the information you provide, including an up-to-date medical exam. They compare the information against millions of statistics to determine exactly what kind of risk you pose to the insurer. If a person is in perfect health, they are statistically less likely to die early.

This gives them very low premiums. If a person has various health complications, their chances of dying early go up. Smokers, for example, always get higher rates because smoking greatly increases the risk of mortality. If a person has serious health complications, their statistical chance of dying early might be so high that they are denied coverage altogether.


While it may not be pleasant to have all the nuances of your health situation examined by underwriters, the benefit is that the insurer gets a full picture of your health and then presents you with an accurate premium.

With no exam life insurance, the underwriting is simplified or accelerated, since underwriters don’t have a medical exam to compare against statistics. This means the insurer has less of an idea of the risk you pose. This, in turn, means they have to be extra strict about who they accept. Additionally, rates are sometimes raised to protect them against that risk.

Can You Qualify for No Exam Life Insurance?

Due to insurers’ strict guidelines for no exam life insurance, not everyone who applies is accepted. Here are 5 of the most popular reasons why you wouldn’t be accepted.


There are different types of no exam life insurance policies, and each has its own age limits. Simplified issue is usually limited to age 60, while guaranteed issue can go up to age 80. If you apply for either of these and are above the age limit, you will likely be denied.

You Haven’t Been to the Doctor Recently

No exam life insurance doesn’t require a medical exam, but certain policies do want to see that you’ve been to a doctor recently. If you haven’t been to the doctor because you haven’t been sick, insurance companies aren’t likely to take your word for it. Therefore, it’s good to have regular doctor’s checkups in case you want to apply for no exam life insurance.


Many no exam life insurance policies have strict requirements when it comes to height and weight. Obesity or malnourishment come with a high risk of mortality, so it’s important that your BMI falls within an acceptable range when applying for no exam life insurance.

While it may be tempting to fudge the facts, it’s important to be completely honest on your application. Not only for the sake of honesty, but practically, if you provide inaccurate
information on the application, the insurance company can deny the death benefit when it is claimed. This defeats the entire purpose of getting life insurance in the first place.

Medical Conditions

Certain medical conditions will prevent you from being approved for no exam life insurance. While these vary by insurer, they generally include:

  • Alcohol/drug abuse
  • Heart disease
  • Diabetes
  • Certain cancers

Bear in mind that just because no exam life insurance doesn’t require a medical exam, there are other ways for insurers to gather information about you. This includes collecting data from third-party sources such as the MIB (a database of previous life insurance applications), the DMV, and your pharmacy, and credit records. Therefore, it’s important not to conceal any information. As mentioned above, if the information you provide on your application is not accurate, the insurance company reserves the right not to pay out the death benefit.


In some cases, if you’ve recently filed for bankruptcy you may be denied no exam coverage. This is because life insurance companies need to know that you’ll be able to pay the monthly premiums. If you’ve filed for bankruptcy recently, they have no such guarantee. On the other hand, if you filed for bankruptcy several years ago, you can still be approved.

Applying is Worthwhile

If you’re not sure whether you’ll be approved for no example life insurance, you can always take a chance and apply. The worst that can happen is that you’ll be denied. The best that can happen is that you’ll get the coverage you need and save yourself a lot of unnecessary hassle.