Up to 87% of our applicants are approved without a medical exam, often at the same rates as a fully underwritten policy.
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Pick your coverage and age to see the lowest monthly price among the 80+ carriers we compare, in the best health class.
That's the best-health-class price. Yours depends on your health history, and a licensed advisor checks it against 80+ carriers.
See what you'd actually pay → or compare all 80+ carriers instantly Takes less than 2 minutes · No obligationMale, 40, $500K, 20-year, best health class. The lowest product from each carrier, quoted the same day. All rated A- or better by AM Best.
Highest vs. lowest price for the identical policy.
The same $500K, 20-year policy at the lowest carrier for each class. Male, 40, non-tobacco.
Most people don't get the top class. We match your health history to the carrier most likely to give you its best one.
Same coverage, bought at 45 instead of 40.
$27.98 → $44.95 a month
Extra you'd pay over the 20-year term.
| Age | $250K female | $250K male | $500K female | $500K male | $1M female | $1M male |
|---|---|---|---|---|---|---|
| 30 | $10.75 | $12.22 | $15.58 | $18.20 | $22.86 | $28.85 |
| 40 | $15.03 | $17.20 | $23.72 | $27.98 | $39.87 | $48.13 |
| 50 | $30.28 | $37.84 | $54.32 | $69.20 | $95.35 | $128.25 |
| 60 | $73.35 | $103.50 | $140.20 | $199.27 | $263.99 | $378.66 |
Monthly, 20-year level term, best health class (super preferred), non-tobacco. Why isn't $1 million double the $500,000 price? Carriers discount larger policies, so $1 million typically costs about 45% to 90% more than $500,000, not twice as much.
Sample super preferred (best health class), non-tobacco monthly rates for a 20-year level term: the lowest prices among the carriers we compare, quoted through our quoting platform in November 2026. Term life rates are generally the same across the states we serve. For illustration only. Most applicants qualify for a different class, so your rate may be higher. Your rate depends on age, health, coverage amount, term length, and carrier. Not a guarantee of coverage or price.
Most major carriers now offer accelerated underwriting — instead of a paramedical exam, the carrier checks four data sources in real time:
Health and lifestyle questions you answer online or by phone — no needles, no clinic visit, no waiting on lab results.
A real-time look at your medication records that confirms what you report — and shows conditions are well managed.
The Medical Information Bureau — the industry database carriers share to verify your insurance and health history.
Your motor vehicle report. A clean record helps your case; it’s one more reason no-exam approval can come back fast.
If the picture is clean, you’re approved without an exam — decisions typically come back in 24–72 hours, sometimes within minutes. If something needs a closer look, your application simply routes to a human underwriter. Worst case, you take the exam you would have taken anyway — you lose nothing by trying the no-exam path first.
Here’s the distinction most shoppers never hear — and it’s worth real money:
What this page is about. Qualified applicants get the same preferred and preferred-plus rates as traditional underwriting, with coverage up to $1–5 million depending on carrier and age.
The kind heavily advertised on TV: a few health questions, fast approval — but noticeably higher premiums and lower coverage caps.
No health questions at all. It has its place (usually final expense), but it’s the most expensive coverage per dollar, with graded benefits the first two years.
Because we compare 80+ carriers, our job is making sure you land in the first category whenever your health allows it — matched to the carrier that treats your profile most favorably.
Most accelerated underwriting programs cover ages 18 to about 60 — and some carriers go higher. Older applicants still have solid no-exam paths.
Don’t self-disqualify — managed conditions like controlled blood pressure or cholesterol don’t automatically knock you out. Every carrier draws its lines differently.
No-exam limits commonly reach $1 million, and several carriers extend accelerated underwriting to $3–5 million for qualified applicants.
A 10-minute call with a licensed advisor is usually enough to know which carriers are realistic for your situation. We’re licensed in most states (National Producer License NPN # 17946970), so no-exam options are available wherever you live.
Ten minutes to understand your health profile and coverage needs — by phone or video, on your schedule.
We know which of our 80+ carriers have the strongest no-exam programs for your age and profile.
Many qualified applicants receive a decision within 24–72 hours — no exam, no waiting on lab results.
Not necessarily. With accelerated underwriting, qualified applicants may receive the same preferred rates as a fully underwritten policy. Simplified-issue and guaranteed-issue products do cost more — which is why carrier matching matters.
Many decisions come back within 24–72 hours; some carriers can approve qualified applicants the same day. Traditional underwriting with an exam typically takes 4–8 weeks.
Your application answers, prescription history, MIB records, and driving record. Honest answers matter — these databases will confirm what you report.
You can be routed to traditional underwriting rather than flatly declined — meaning you may still get covered, just with an exam. Applying through an advisor who knows each carrier’s rules lowers the odds of surprises.
Commonly up to $1 million, and several carriers extend accelerated underwriting to $3–5 million for qualified applicants, depending on age.
No. Guaranteed issue asks no health questions, costs significantly more, and usually has a two-year graded death benefit. Accelerated underwriting is fully medically underwritten — just without the physical exam.
Want the full picture on term coverage and pricing? See our term life insurance rates by age.
One call with a licensed advisor tells you which carriers can approve you fastest, and at what rate.
