4 No Medical Exam Life Insurance for Seniors

No Medical Exam Life Insurance for Seniors – Overview

There are many Americans who do not want to undergo mandatory medical exams for fear that they will be denied insurance cover.

Regardless, it is easy to buy a life insurance policy without undergoing a medical exam and give financial support to your family members, whether you are in perfect health or not.

There are several health insurance companies that offer insurance policies without the need for a medical examination.

Best No Medical Exam Life Insurance for Seniors

We selected the best life insurance companies that offer insurance cover without a medical examination.

These companies are reputable and have a strong financial standing as well as overall positive reviews.

These companies offer immediate coverage and don’t have long waiting periods, easy online quotes and extremely friendly customer care service representatives.

Best No Medical Exam Life Insurance for Seniors

Best No Medical Exam Life Insurance for Seniors

Here is our list of the best no medical exam life insurance for seniors in 2021:

1 – Globe Life

Globe Life insurance policy does not have a waiting period and offers policyholders the complete insurance benefits right from day 1.

The company is also renowned for offering insurance policies with a minimum premium rate, making it extremely affordable too.

Additionally, Globe Life is also ranked among the highest AM-rated companies. It offers the highest coverage amount for life insurance without any medical examination.

Globe Life serves over 4 million satisfied customers across the US.

The company provides insurance covers ranging from US$ 5,000 to US$ 100,000. It also allows policyholders to add beneficiaries, such as children and adult family members to the policy too.

Globe Life insurance monthly premiums are affordable and start at only US$ 3.49, depending on the particular policy.

Benefits of Globe Life Health Insurance

  • Best A rating by AM
  • No waiting period
  • Online quotes available
Benefits of AIG Guaranteed Issue Whole Life Insurance Plan

Benefits of AIG Guaranteed Issue Whole Life Insurance Plan

You can choose to buy a Globe Life insurance policy online too. Simply visit the official website of Globe Life insurance and provide the personal information of the beneficiaries and reply to some general health questions.

Once you make the premium payment, your insurance policy comes into effect almost immediately.

2 – American International Group Inc. (AIG)

American International Group (AIG) Inc. ranks on our list as it offers living benefits at no additional charges.

The company provides health insurance benefits to policyholders for chronic illnesses, such as dementia, Alzheimer’s and other terminal illnesses. The company also provides up to 50% of the cost as a death benefit too.

AIG offers the Guaranteed Issue Whole Life Insurance Plan specifically for individuals between 50 to 80 years old and provides benefits worth US$ 5,000 to US$ 25,000.

To get a quote for an AIG Guaranteed Issue Whole Life Insurance Plan, simply visit the company’s official website, enter the required personal information, the state of residence and your gender.

The online calculator will instantly provide an accurate quote for no medical exam life insurance for seniors.

Benefits of AIG Guaranteed Issue Whole Life Insurance Plan

  • Online quotes available
  • Choice of different tiers for coverage
  • Online life insurance calculator
  • No health questions asked

AIG provides living benefits to riders with all policies, without any additional cost. This makes the policy truly unique and effectively convenient for seniors who wish to buy life insurance without undergoing medical examinations.

3 – Prudential Veteran’s Group Life Insurance

If you are a veteran and looking for additional insurance coverage, without having to undergo a medical examination, then Prudential’s Veterans’ Group Life Insurance (VGLI) plan is the best option for you.

This insurance policy offers lifetime coverage without having to undergo an evaluative medical examination beforehand.

This insurance plan also provides comprehensive coverage, which includes diagnosis and treatment for mental health problems, including traumatic brain injury (TBI), PTSD, etc.

If you are a veteran and have retired less than 120 days ago, with over 1-year service tenure, then you are eligible to enroll for the VGLI plan.

You will need to apply within 240 days of retiring from active duty but won’t have to answer any questions regarding health or undergo a medical examination.

With regular premium payment, VGLI offers lifetime coverage irrespective of any changes in your employment or health status.

Benefits of Prudential Veterans’ Group Life Insurance (VGLI)

  • Coverage for active military servicemen and veterans
  • No medical examination required when applying within 240 days of retirement
  • Online premium calculation available
  • Excellent A+ rating from AM Best

You can visit Prudential’s official website and request an online quote by simply creating an account.

You only need to enter minimal personal information, your social security number and the branch of service you retired from. The main reason that we selected VGLI in this list is that it offers coverage for mental health issues for veterans.

4 – State Farm

State Farm is a highly-rated insurance provider and offers its services across 49 US states. It issues instant life insurance once you complete the application.

The State Farm no medical life insurance offers coverage up to 50 years and up to 10 years from the date of issue, whichever is earlier.

You can choose to visit State Farm’s official website and request an online quote.

You will be asked to enter minimum personal information, such as height, weight, expected coverage amount, gender, date of birth, whether tobacco user, etc. Besides this, State Farm will request you to do a personal health evaluation, by selecting “fair”, “average”, “good” or “excellent” conditions.

State Farm usually issues insurance policies within 15 minutes of the completion of the application process which is extremely convenient.

Benefits of State Farm insurance policy

  • Online quotes available
  • Instant policy issued
  • Enjoys A++ rating by AM Best for operational performance and financial strength

You can choose to buy a State Farm insurance policy directly from the official website, or you can choose to contact your local insurance agent.


This is our list of the top no medical life insurance for seniors. These have been vetted after evaluating each company’s reimbursement record, excellent performance and level of financial strength in the industry.

Feel free to drop in a comment below and let us know your choice for buying no medical exam life insurance for seniors.






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