No Medical Exam Life Insurance Coverage: What to Know & How to Qualify

The majority of people apply for personalized coverage without getting a medical exam.

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Affordable, personalized term life insurance
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Fast, simple process
Our 100% online application can be finished in minutes.
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Coverage up to $1.5 million
Choose from $100,000 to $1.5 million in coverage.
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Several term lengths
Choose between 10, 15, 20, and 30-year terms.
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Our team of licensed agents makes you the #1 priority.
Find out if you qualify for life insurance without a medical exam.

Our application is 100% free, non-binding, and won’t affect your credit score.

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Save yourself the hassle
Medical exams are a standard part of life insurance applications, but we know you’re busy. Our 100% online application is designed to save you time and keep you from running all over town.
Most of our applicants don’t need a medical exam

After you submit your application, our underwriters decide whether you can be fast-tracked to approval. Based on your unique situation, you might be asked to answer a couple follow-up questions or to get a medical exam. Only a small number of our applicants are asked to complete a medical exam, which is always convenient and free.

Why would I need a medical exam?

We only ask if it is absolutely necessary to evaluate your application. We work hard to make our application as simple as possible. But sometimes underwriters need a little more information about your health to make sure they can insure you at an affordable price.

What can I expect from a medical exam?

If our underwriters decide one is necessary, it will cost you nothing other than a few minutes of your time. Ethos partners with ExamOne to make your exam fast and simple. You can schedule your exam wherever it’s most convenient for you, like at home, work, or an ExamOne location near you.

The exam itself only takes a few minutes. It usually consists of a medical professional taking your physical measurements (height, weight, blood pressure) and collecting blood and urine samples for testing. Then you’re done! To keep the application moving along, complete your medical exam as soon as possible.

Tips to expedite your application
When you apply

Make sure to answer every question with as much detail and accuracy as possible up front. Keep the following information handy:

  • Driver license
  • Social security number (used 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 or get a medical exam, underwriting will be on hold until it’s completed. To keep things moving along, it’s a good idea to get all this done as soon as you can.

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