Life Insurance with No Medical Questions Asked
Over 100 Carriers to Quote From. Here are a few of them!
If you’ve been declined in the past—or just want a fast, hassle-free application—life insurance with no medical questions asked can provide guaranteed protection for final expenses and small debts. These “guaranteed issue” policies require no health questions and no medical exam, and approval is based on age and residency only. At Diversified Insurance Brokers, we compare guaranteed issue plans from 100+ A-rated carriers nationwide to find the best fit for your budget and goals.
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Instant Quotes for Life Insurance with No Medical Questions
Use this calculator to compare guaranteed issue and simplified final expense policies.
Quotes are illustrative; availability and pricing vary by carrier and state.
What “No Medical Questions” Life Insurance Is
“No medical questions asked” life insurance is commonly called guaranteed issue whole life. There’s no exam, no health questions, and no medical records review. If you fall within the eligible age range (often 50–80, varies by carrier/state) and meet residency requirements, you’re approved. Coverage amounts typically range from $5,000–$25,000, designed to cover final expenses, small debts, or a legacy gift.
Who Should Consider Guaranteed Issue Coverage
- Individuals who were declined for traditional life insurance.
- Seniors with serious or multiple health conditions that make underwriting difficult.
- People who want a quick, hassle-free approval with no health questions.
- Families seeking a simple policy to cover funeral and final expenses.
If you’re in decent health, a simplified issue (few questions, no exam) or fully underwritten term/whole policy could cost less. We’ll show you both so you can pick the best value.
How Guaranteed Issue Policies Work (Waiting Periods)
Because there are no health questions, most guaranteed issue policies include a graded benefit or limited benefit period—typically the first 2 years:
- Natural causes during waiting period: The policy usually refunds premiums paid (often plus interest), or pays a reduced benefit—depends on the carrier.
- Accidental death: Typically paid at full face amount from day one.
- After the waiting period: The full death benefit is payable for any covered cause.
Contract terms vary; we’ll confirm details for your state and chosen carrier.
Guaranteed Issue vs. Simplified Issue vs. Fully Underwritten
| Feature | Guaranteed Issue (No Questions) | Simplified Issue (Few Questions) | Fully Underwritten |
|---|---|---|---|
| Health Questions / Exam | None / None | Yes (short form) / No exam | Yes / Exam may be required |
| Typical Coverage | $5k–$25k | $5k–$50k+ | $100k–$1M+ |
| Price per $1,000 | Highest | Moderate | Lowest (if healthy) |
| Waiting Period | Yes (graded 2 yrs typical) | Usually none | None |
| Best For | Serious health issues / prior declines | Average health, wants speed | Good health, larger amounts |
We’ll quote all three paths so you can balance speed, price, and benefit.
Featured Option: Gerber Guaranteed Issue Whole Life
One of the most recognized no-questions policies is Gerber’s guaranteed issue plan. It’s designed for quick approval and predictable costs. For details on ages, available coverage amounts, and contract features, see our dedicated page: Gerber Guaranteed Issue Whole Life.
Related Resources
FAQs: Life Insurance with No Medical Questions Asked
Can I be denied if there are no medical questions?
Approval is generally based on age and residency only. If you fit the carrier’s age range and state rules, you’re approved.
How much coverage can I buy?
Most carriers offer $5,000–$25,000 per policy. Some allow stacking policies or household limits—ask us for current options in your state.
Will my premium ever increase?
Guaranteed issue whole life premiums are typically fixed for life, and the policy builds a small cash value.
What if I can qualify for something cheaper?
Great—we’ll price simplified and fully underwritten options, too. If you qualify, you’ll usually pay less for more coverage.
Ready to get covered—no medical questions asked?
We compare guaranteed issue policies from 100+ carriers nationwide and help you choose the best fit.
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Educational only—not tax, legal, or investment advice. Product availability, ages, waiting periods, and features vary by carrier and state.
FAQs: Life Insurance with No Medical Questions Asked
What is guaranteed issue life insurance?
Guaranteed issue policies do not require health questions or medical exams—approval is usually based only on your age and state of residence. These are designed for final expenses, small debts, or legacy gifts.
Who should consider a policy with no medical questions?
People who have been declined for traditional insurance, seniors with serious or multiple health conditions, anyone wanting fast, hassle-free approval, and those who mainly want to cover funeral or final expenses.
How do guaranteed issue policies work during the waiting period?
Most have a waiting (graded benefit) period—often around 2 years—during which death benefits are limited: for natural causes you might only receive premium refunds (sometimes with interest) or reduced benefits; accidental death may be covered fully from day one.
How do guaranteed issue, simplified issue, and fully underwritten policies compare?
• **Guaranteed issue**: no health questions/exams, highest premiums, smaller benefit amounts.
• **Simplified issue**: some health questions, no exam, moderate cost and higher benefit.
• **Fully underwritten**: full medical check, best pricing for healthy applicants, larger benefit amounts.
How much coverage can I get with no medical questions?
Typical amounts are ~$5,000 to ~$25,000 depending on carrier and state. These policies are meant for smaller-scale protection rather than large income replacement.
Will the premiums ever increase with guaranteed issue policies?
No. In most cases, premiums are fixed for life, and the policy builds modest cash value over time.
What happens if I’m healthy enough for cheaper options?
If you are in reasonable health, you might qualify for simplified issue or fully underwritten policies, which can offer larger death benefits at lower premiums. It’s worth comparing all options.
