10-Year Term No Medical Exam Life Insurance Policy

Secure a 10-year term no medical exam life insurance policy without labs, a urine sample, height and weight measurements or an examiner coming to your home. A 10-year level term life insurance locks in the premium and coverage amount for ten years. The rates cannot increase regardless of changes in age or health for the full ten years!

You can cancel a 10-year term no-exam life insurance policy at anytime without a plenty. Take a look at 14 of the best no-exam life insurance companies that offer a 10-year level term policy at the lowest rates.

• Ameritas
• Assurity
• Banner Life
• Ethos
• Foresters
• Lincoln Financial
• Nationwide
• Pacific Life
• Penn Mutual
• Prudential
• Savings Bank Life Insurance
• Symetra Life
• Transamerica

Coverage is available from $25,000 to $3 million without the exam on a 10-year fixed term. Health (risk) classes are available from standard (average health) to preferred plus (best health class).

Rates for many of these companies rates' for their no-exam 10-year term life insurance policy are the same same exact premiums as their policies with the exam, there is no price difference if you qualify.

Sample 10-year level term no medical exam life insurance rates:

$50k 10-year term: $9 month

$100k 10-year term: $10 month

$200k 10-year term: $14 month

$500k 10-year term: $23 month

$700k 10-year term: $31 month

$1 million 10-year term: $37 month

$2 million 10-year term: $67 month

$3 million 10-year term: $99 month

*Rates for a 45-year old female, non-smoker in excellent health on a 10-year term

Who is eligible?

Males and females ages 18-60 are eligible for instant issue life insurance and ages 50-70 are eligible up to $3 million without the exam if a physical with labs has been completed in the last 12 months.

Underwriting 

One top life insurance company offers their no-exam life insurance rates with the same underwriting and rates as with the exam. This means most health conditions will be eligible for a 10-year term policy without the exam if a physical with labs was completed in the last year. These health conditions include: high blood pressure, elevated cholesterol, diabetes, sleep apnea, overweight, cancer history, family history, driving record, thyroid issues, heart disease, mental health history, tobacco use and many other common health concerns and medications.

View our instant 10-year no-exam life insurance rate comparisons from the top companies see above.