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BestMoney Total Score
Our product scores consist of a combination of the following 3 components:
Popularity
BestMoney measures user engagement based on the number of clicks each listed brand received in the past 7 days. The number of clicks to each brand will be measured against other brands listed in the same query. Therefore, the higher the share of clicks a brand receives in any specific query, the higher the Click Trend Score. BestMoney accepts advertising compensation from companies, which impacts their (and/or their products’) position, and in some cases, may also affect their Click Trend Score.
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Features & Benefits
BestMoney’s editorial team researches and reviews financial products based on factors such as: range of products and services offered, ease-of-use, online accessibility, customer service, special awards, and more. Each brand is then given a score based on the offerings in each parameter. The specific parameters which we use to evaluate the score of each product can be found on its review page.
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Our Top Choice for Life Insurance November 2025
What Is No Medical Exam Life Insurance?
No medical exam life insurance—also called life insurance without medical exam—lets individuals secure life insurance no medical exam coverage without physical tests. Instead, insurers rely on health questionnaires, prescription and medical records, and digital data to assess eligibility. This approach offers fast approval and convenience for applicants seeking quick or simplified coverage.
What Types of No Exam Life Insurance Are Available?
These are the most common no exam life insurance types:
- Simplified Issue: Health questions required, no exam. Approval typically in days.
- Guaranteed Acceptance: No health questions or exams. Designed for individuals with health issues or seniors, though coverage limits may be lower.
- Accelerated Underwriting: Uses electronic health, prescription, and lifestyle data to assess risk—often offers decisions within 24–48 hours.
What Are the Pros and Cons of No Medical Exam Life Insurance?
Pros | Cons |
| Quick approval—often same day or within days | Higher premiums compared to traditional life insurance |
| Easy application with minimal hassle | Lower coverage limits |
| Available to those with health conditions | Some policies impose waiting periods before full benefit |
Who Should Consider No Medical Exam Life Insurance?
This type of no exam life insurance best suits:
- People needing quick coverage without the wait of medical tests
- Health-challenged applicants who might not qualify under traditional underwriting
- Seniors or those aged 50–85 seeking final expense coverage with minimal red tape
How to Compare No Exam Life Insurance Plans
When evaluating your options:
- Determine coverage needs—know your intended death benefit
- Compare premium costs across simplified issue, guaranteed acceptance, and accelerated underwriting options
- Request life insurance quotes to understand pricing differences, keeping in mind your age, health, and coverage goals
Disclaimers
AM Best Rating: A.M. Best's Financial Strength Rating (FSR) is a measure of an insurer's financial strength and ability to pay out claims to policyholders. An "A" rating with A.M. Best indicates that an insurer is considered to be top of the industry in ability to meet ongoing insurance obligations.
Ladder Insurance Services, LLC (CA license # OK22568; AR license # 3000140372) distributes term life insurance products issued by multiple insurers – for further details see ladderlife.com. All insurance products are governed by the terms set forth in the applicable insurance policy. Each insurer has financial responsibility for its own products. Submission number 250602-4549461
AI was used in the creation of this content, along with human validation and proofreading.