Life insurance with no medical exam
Online no-exam term life insurance
Fast, online life insurance with no medical exam
Complete our 100% online application in minutes. Just answer a few health questions and receive your life insurance quote today with no requirements of a medical exam.
Coverage up to $2 million
Choose coverage from $100,000 to $2 million.
Term length flexibility
We offer 10-, 15-, 20-, and 30-year terms.
Expert help when you need it
Our team of licensed agents can answer all your questions.
See if no-exam life insurance works for you
Our application is free and won’t affect your credit score.
Hassle-free life insurance
Some insurers will require a medical exam before approving you for a policy if you have an underlying health condition or work in a high-risk profession. The medical exam results are then used to determine your premium, which could result in a “higher risk” premium if the results indicate that’s warranted.
Aspire Financial Groups offers alternatives for those applicants who are considered a higher risk. Simplified issue and guaranteed issue policies are two popular options. Depending on the answers to your medical questions, you may qualify for a simplified issue policy. Others may be offered a guaranteed issue policy with coverage up to $30,000.
Aspire Financial Groups applicants don't need a medical exam
After you answer a few health questions and submit your application, it’s reviewed to determine if it can be approved quickly. Depending on your situation, you may be asked to answer a few follow-up medical questions.
How to expedite your application
When you apply
Answer each question with as much detail and accuracy as possible. And be sure to have the following information handy:
- Driver’s license
- Social security number (to verify your identity)
- Personal and family medical history
- Current prescription information
After you apply
If you’re asked to answer any follow-up questions, be sure to take care of these requests as soon as possible. The policy underwriting process will be delayed until these steps get completed.