Best No-Exam Life Insurance Companies for Federal Employees

Experience peace of mind with our no-exam life insurance for Federal employees. Our policies offers hassle-free coverage without the need for a medical exam, making it quick and easy to protect your loved ones. As a federal employee, rest assured that your family will be fully protected with our reliable and trustworthy no-exam insurance companies.

Federal employees can lock in a term life insurance policy without the exam for $25,000 to $3 million from highly rated companies such as Pacific Life, Symetra Life, Banner Life, Assurity, Ameritas, Prudential, Transamerica and more.

The FEGLI plan becomes very expensive after the age of 50. FEGLI rates increase every five years as you enter the new age band. Purchasing you own policy outside of FEGLI allows you to have a fixed rate, often at a much lower rate and it's not tied to your employer. This is why so many Federal employees that are in average to excellent health choose to drop Option B for their own private term life insurance policy.

If you are in average to excellent health most Federal employees can secure a fixed premium life insurance policy for 10, 15, 20, 25 or 30 years and coverage up to $3,000,000 without the life insurance exam for ages 18-70 years old.*

Take a look at the sample no-exam life insurance rates for Federal employees:

• $400k 20-year level no-exam life insurance policy rates for a 55-year old female in excellent health = $67 month  
• $500k 20-year level no-exam life insurance policy rates for a 50-year old male in excellent health = $69 month 
• $1 million 20-year level no-exam life insurance policy rates for a 45-year old male in excellent health = $84 month 
• Rates are from highly rated insurers that without the exam, coverage up to $3 million for 10, 15, 20, 25 or 30 year fixed term rates

For instant no-exam life insurance rates for Federal employees, compare rates here

*Ages 50-70 no-exam life insurance up to $3 million for a fixed term for 10-30 years requires that a physical with labs has been completed in the last 12 months.