Cheap Term Life Insurance — No Medical Exam (Fast, Simple, Online)

Need life insurance without needles or in-person exams? With accelerated or simplified underwriting, many applicants can secure 10–30 year term life completely online—often with an instant or next-day decision. Blake Insurance Group shops multiple carriers to help you find a low monthly premium, the right term length, and coverage that fits your mortgage, income-replacement, or key-person needs.

How No-Medical-Exam Term Life Works

“No-exam” (also called accelerated or simplified issue) term life skips the paramedical visit. Instead, carriers evaluate digital data sources and your health/lifestyle questionnaire to make a quick decision. If you qualify, you can be approved and e-signed in minutes. Some applications still trigger an exam if certain answers or data sources require more details—that’s normal and doesn’t mean you’ll be declined.

• Speed: Instant to 48-hour decisions for many applicants.
• Convenience: 100% online e-app; no blood/urine for eligible profiles.
• Competitive pricing: Modern accelerated programs often price close to fully-underwritten rates for qualified risks.
• Predictability: Clear coverage, fixed premiums for a chosen term (e.g., 10, 15, 20, 30 years).

Who No-Exam Term Is Best For

• Busy professionals & parents: Need approval fast for mortgage protection or income replacement.
• Healthy applicants: Clean Rx/MVR history, stable build, routine maintenance meds only.
• Small business owners: Collateral assignment for loans or basic key-person protection with quick turnaround.
• Coverage gap fillers: Bridge benefits after a job change, during open enrollment, or while awaiting a full exam policy.

If you have more complex medical histories, you may still qualify—some carriers offer blended or partially accelerated paths. We’ll route your application accordingly.

Coverage Amounts & Term Lengths

Typical no-exam term life offers face amounts from $100,000 to $2,000,000+ (availability varies by age, state, and carrier). Common terms include 10, 15, 20, and 30 years. Choose the shortest term that covers your longest obligation (mortgage years remaining, children’s ages to independence, or loan duration).

What Carriers Look At (Even Without a Medical Exam)

Accelerated programs verify risk using electronic sources. Be accurate—carriers cross-check answers, and mismatches can slow approval.

• Rx history (prescription databases): Confirms medications and diagnoses.
• MVR (driving record): DUIs, reckless driving, recent violations or suspensions.
• MIB & prior applications: Previous life/health applications and relevant codes.
• Build & vitals proxies: Height/weight ranges, tobacco status, blood pressure history.
• Health disclosures: Cardiac, cancer, diabetes (A1C control), sleep apnea compliance, mental health treatment.
• Lifestyle & avocations: Aviation, diving, motor sports; recent international travel.

If data shows elevated risk, the system may request an exam. We’ll pivot to the carrier/path with the best approval odds at a good price.

How to Get a Cheaper No-Exam Term Rate

• Right-size the term: Don’t overbuy length—each extra 5–10 years adds cost.
• Ladder policies: Use two smaller terms (e.g., 10 & 20 years) so some coverage expires as obligations drop.
• Choose the correct nicotine class: If you’ve quit, ask when you may qualify for non-tobacco rates.
• Annual pay & autopay: Some carriers discount for annual mode or EFT.
• Re-shop after life changes: Debt paid down? Improved labs? We can revisit for a lower rate or new term.

Fast Online Application — 5 Steps

1. Answer a few questions: Age, state, health basics, desired term/amount.
2. View instant options: We’ll show multiple carriers side-by-side.
3. Complete the e-application: Digital forms and e-signature—no paperwork.
4. Decision & bind: If approved, pay your first premium and activate coverage.
5. Documents delivered: Receive your policy and beneficiary confirmation digitally.

No-Medical-Exam Term Life — FAQs

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Licensed insurance producer (NPR/NPN 16944666). Product features, rider availability, face amounts, underwriting classes, and eligibility vary by state and carrier. Policies are subject to underwriting approval. Contestability and suicide provisions typically apply during the first two years (state rules vary). This page is general information and not legal, tax, or financial advice.