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 coverage.

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 life insurance companies that offer 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 coverage without a medical examination.

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

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

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 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.

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.

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

Benefits of Globe Life Insurance

  • Best A rating by AM
  • No waiting period
  • Online quotes available

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 immediately comes into effect.

2 – American International Group Inc. (AIG)

American International Group (AIG) Inc. ranks on our list, offering living benefits at no additional charges.

The company provides life insurance benefits that include coverage for chronic and terminal illnesses such as dementia and Alzheimer’s. It also provides up to 50% of the cost as a death benefit.

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

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

The online calculator will instantly provide an accurate quote for seniors who do not have medical exams or life insurance.

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 offers living benefits with specific policies, which may include additional costs depending on the policy terms. This makes the policy unique and effectively convenient for seniors wishing to buy life insurance without undergoing medical examinations.

3 – Prudential Veteran’s Group Life Insurance

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

This insurance policy offers continuing coverage without needing a medical examination if applied for within a specific period after military service.

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 who retired less than 120 days ago and has over one year of service tenure, you are eligible to enroll in the VGLI plan.

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

With regular premium payment, VGLI offers lifetime coverage irrespective of 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 is required when applying within 240 days of retirement
  • Online premium calculations are available
  • Excellent A+ rating from AM Best

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

You only need to enter minimal personal information, such as your social security number and the branch of service you retired from. The main reason 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 that offers services in all 50 US states. Once you complete the application, it issues instant life insurance.

State Farm’s no medical exam life insurance terms regarding coverage duration can vary; specifics depend on the policy details rather than a set period of up to 50 years or 10 years from the date of issue.

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

State Farm may ask for personal health information for certain types of no-medical-exam policies, which may include questions about general health conditions but not necessarily detailed health evaluations.

State Farm usually issues insurance policies within 15 minutes of completing 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. We have vetted each company based on its reimbursement record, excellent performance, and financial strength in the industry.

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

See Also

Grants for Senior Dental Implants

Medical Insurance for College Students

How to get grants for prescription drugs

Best Life Insurance Companies

Current Version
July 18, 2021
Written By
Shubham Grover
April 16, 2024
Updated By
Andrea Morales G.

Follow us