Best No-Exam Life Insurance Policies for Overweight Adults

If you are overweight you may still qualify for a no-exam life insurance policy at an affordable rate. Overweight adults can lock in rates the lowest rates in the country for a no medical exam life insurance policy up to $3 million from highly rated insurers*. No medical exam policies are available with fixed rates for 10, 15, 20, 25 and 30 year terms for coverage from $50,000 up to $3 million. Policies are available without a no medical exam life insurance policy for 10-30 years with level premiums (they don't increase as you get older).

Rates for a no medical exam life insurance policy are the same as those with the medical exam. Choose a policy from the nation's top companies such as: Pacific Life, Banner Life, Prudential and others.

It is now possible to get the best no medical exam life insurance policy for obese (according to the CDC) adults at competitive rates and remain eligible for higher weights based on your height. No blood work, no blood pressure readings and no need for a nurse to come to your home to take your height and urine sample. The best thing about the policy is the rates are the same as with the exam.

Best no medical exam life insurance policies for overweight males and females save money and and allow you to bypass the medical exam by choosing a policy from one of the best companies in the country that offer no exam life insurance and have the best build charts in the nation (same build charts they use for those who need to take the exam). 

Details for the no exam life insurance for overweight adults include:

• Fixed rates: you choose which term best meets your needs, fixed rates for 10, 15, 20, 25 or 30 years (the longer the term the higher the premium)
• Coverage amounts: select a term life insurance policy from $50,000 up to $3,000,000 or a permanent life insurance policy between $50,000 up to $2,000,000
  
• Less expensive: the companies use the same build charts for overweight people without the exam as those that require the medical exam
  

Preferred Best (#1 risk class): No medical exam life insurance is available at the best risk class for overweight people up to the age of 70 and coverage is available up to $3 million for 10, 15, 20, 25 and 30 year terms with Pacific Life Insurance Company.* Sample rate for a $500,000 no-exam term life policy for a 50-year old male that is 5'10'' in height and weighs 229 lbs or less for a 20-year fixed rate is $69 month.

Preferred Best (#1 risk class): No medical exam life insurance is available at the best risk class for overweight people up to the age of 70 and coverage is available up to $3 million for 10, 15, 20, 25 and 30 year terms with Pacific Life Insurance Company.* Sample rate for a $500,000 no-exam term life policy for a 50-year old female that is 5'2'' in height and weighs 180 lbs or less for a 20-year fixed rate is $54 month.

Standard (#4 risk class): No medical exam life insurance is available at the average risk class for overweight people up to the age of 70 and coverage is available up to $3 million for 10, 15, 20, 25 and 30 year terms with Pacific Life Insurance Company.* Sample rate for a $1,000,000 no-exam term life policy for a 40-year old male that is 6 feet tall and weighs 272 lbs or less for a 20-year fixed rate is $99 month.

Standard (#4 risk class): No medical exam life insurance is available at the average risk class for recreational overweight people up to the age of 70 and coverage is available up to $3 million for 10, 15, 20, 25 and 30 year terms with Pacific Life Insurance Company.* Sample rate for a $1,000,000 no-exam term life policy for a 40-year old female that is 5'5'' tall and weighs 222 lbs or less for a 20-year fixed rate is $78 month.

The maximum BMI for no medical exam life insurance policies for the four main health (risk) classes for adults 18-64 years old with Pacific Life Insurance Company are as follows:

• Preferred Best (#1 risk class) for men and women: 30
• Preferred (#2 risk class) for men and women: 33
• Standard (#4 risk class) for men and women: 35

Overweight adults between the ages of 65-70 years old have an even more favorable BMI limits: up to 33 for the preferred best (#1 risk class) and up to 37 for the standard (#4 risk class). 

No exam life insurance policies are still available for BMI's greater than 35 and 37, they are 'table rated'.

No sure of your BMI? Use the CDC BMI calculator here

To receive instant no medical exam life insurance quotes for overweight people check out our quotes page.

*Must have had a checkup with labs in the last 12 months for adults 50-70 years old