Getting life insurance without a medical exam

Ethos never requires a medical exam of anyone. You can apply for personalized online life insurance coverage through Ethos without needing to schedule an exam—you'll just need to answer a few health-related questions. Regardless of your health status, with Ethos, you are eligible for a no-medical-exam life insurance policy.
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Affordable, personalized term life insurance
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Fast, simple application process
Complete our 100% online application in minutes.
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Coverage up to $2 million
Choose coverage from $20,000 to $2 million.
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Term length flexibility
We offer 10-, 15-, 20-, and 30-year terms.
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Expert help when you need it
Our team of licensed agents can answer all your questions.
See if life insurance without a medical exam works for you

Our application is free, non-binding, and won't affect your credit score.

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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.

Ethos 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.

Ethos applicants don't need a medical exam

Once you 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

All personal information will remain strictly secure and confidential.

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.

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