$5 Million Life Insurance No Medical Exam

Get $5 million in life insurance coverage without having to go through a medical exam. This affordable option offers peace of mind and financial security for you and your loved ones. No need to worry about lab tests or medical exams, just get the coverage you need.

It is now possible to purchase a $5 million life insurance policy without the medical exam. There are several life insurance companies that will offer up to $3 million, but now there are two A+ (Superior) rated three life insurance companies in the country that offer $5 million life insurance without the exam.

Since a $5 million no-exam life insurance coverage is so high, the risk is greater for the life insurance company. These three companies will still offer their no-exam policies at the same rates as if you need the exam, however there are a few eligibility requirements that must be met.

Let's take a look at the life insurance underwriting requirements from the three companies to qualify for $5 million of coverage without the exam.

Symetra Life Insurance Company:

• Founded 1957
• A (Excellent) Rated
• 2.1 million customers
• No-exam rates same as exam rates
• Ages 18-60: $100k to $3 million no-exam
  
• $5 million no-exam: ages 26-49
• Lowest no-exam rates in country
• Many applications are approved instant decision

Mutual of Omaha Life Insurance Company:

• Founded: 1926 
• A+ Superior Rated 
• Term life, whole life, universal life insurance, variable universal life
• No-exam rates same as with medical exam
• Ages 18-50 years old
• Standard (average) health class or better
• Recent physical with labs
• $100k to $5 million no-exam coverage available

Penn Mutual Life Insurance Company:

• Founded: 1847
• A+ Superior Rated 
• Term life, whole life, universal life insurance, variable universal life, indexed universal life
  
• No-exam rates same as with medical exam
• Ages 0-65 years old
• Standard (average) health class or better
• Recent physical with labs
• $100k to $10 million

*$5 million no-exam life insurance rates for $110 month is for a 10-year term, for a 40-year male in excellent health with Symetra Life.