Nationwide is our pick for the insurer with the best policies that don’t require a medical exam.
Written by Elizabeth Rivelli and updated on October 19, 2022; reviewed by Samantha Silberstein; fact checked by Michael Rosenston.
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Any type of life insurance that does not require a medical exam to be eligible is known as “no-medical-exam life insurance.”
In the beginning, this kind of insurance was only meant to cover a small amount and make it easier for people with pre-existing conditions to get approved.
However, many life insurance companies now offer policies with million-dollar death benefits and no lengthy waiting periods that do not require a medical exam.
We looked at things like customer satisfaction ratings, maximum coverage amounts, and maximum issue ages to find the best no-medical-exam life insurance companies.
What’s more, we considered the monetary strength of every supplier and the number of grievances they that got.
Although all of the companies on this list are excellent options for life insurance without a medical exam, Nationwide takes the top spot due to its high coverage, no-med-exam policies, extremely satisfied customers, superior financial stability, and included living benefits.
Yet, assuming you are more established than 60 or look for no-prescription test inclusion for more than $5 million, we suggest investigating Penn Shared. Both Guardian and that company offer dividends to policyholders who are eligible, making them both excellent options for people looking for whole life policies that offer dividends.
