$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 top 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 two 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 two companies to qualify for $5 million of coverage without the exam.

Insurer A:

• 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

Insurer B:

• 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 $107 month is for a 10-year term, for a 40-year male in excellent health