If the idea of taking a medical exam just to get life insurance makes you hesitate, you’re not alone. Thankfully, in 2025, no-exam life insurance policies are more popular and accessible than ever.
Here’s everything you need to know about the best no-exam life insurance options available right now — so you can skip the doctor’s office and still protect your future.
🔍 What Is No-Exam Life Insurance?
No-exam life insurance lets you skip the medical tests usually required to qualify. Instead, approval is based on:
- Your age
- Medical history (via databases, not exams)
- Lifestyle
- Prescription history
You can often get approved within 24 to 72 hours.
🌟 Top 5 No-Exam Life Insurance Companies in 2025
1. Haven Life
- Backed by MassMutual
- Term life coverage up to $1M
- Super fast online application
2. Bestow
- Entirely digital process
- Coverage up to $1.5M
- No phone calls, no needles
3. Ethos Life
- Hybrid options (some applicants may need limited exams)
- Very easy for first-time buyers
4. Ladder Life
- Coverage adjusts as your needs change
- Great for flexible planning
5. Fabric by Gerber Life
- Excellent mobile experience
- Offers term life + free will creation
🏡 Who Should Consider No-Exam Policies?
- Busy professionals
- People with mild health issues
- Those who want fast coverage
- Anyone who hates doctors
“No-exam doesn’t mean no protection. It means no delay.”
🚀 Final Tip:
No-exam policies are often a little more expensive — but the trade-off for speed, simplicity, and convenience is worth it for many.
Always compare a few offers to find the right one.