No Exam Disability Insurance

Protecting your income shouldn’t require a medical exam. With No Exam Disability Insurance, you can secure up to $8,000 per month in tax-free benefits—without lengthy underwriting, lab tests, or income documentation. It’s the fastest, most convenient way to protect your paycheck if illness or injury prevents you from working.

At Diversified Insurance Brokers, we specialize in simplified-issue disability income coverage that delivers speed, flexibility, and protection when you need it most. Whether you’re a W-2 professional, a business owner, or a 1099 contractor, this streamlined coverage helps keep your finances stable while you recover.

What Is No Exam Disability Insurance?

No Exam Disability Insurance—also called simplified-issue disability coverage—allows applicants to qualify for benefits without completing a medical exam or submitting tax returns. Carriers use a short health questionnaire and basic financial screening to approve most applications in just days.

This type of policy pays you a monthly benefit if you’re unable to work due to an illness or injury, helping you maintain your standard of living and meet ongoing expenses such as mortgage payments, business costs, or family needs.

Who Qualifies for No Exam Coverage?

Most applicants between the ages of 18 and 60 can qualify for coverage with limited underwriting. Benefit levels depend on age and employment status:

Ages 18–50: Up to $8,000 per month (no medical exam required)
Ages 51–60: Up to $6,000 per month (no medical exam required)
W-2 Employees: No income verification up to $6,000 per month
Self-Employed or 1099 Contractors: No income verification up to $4,000 per month

Coverage is available with benefit periods from 1 year to age 67, depending on your age and occupation class. Elimination periods can be tailored to match your emergency savings or existing short-term disability plan.

Why Simplified Disability Coverage Matters

Traditional disability insurance can take weeks—or even months—to approve, especially for business owners or applicants with medical histories. No Exam Disability Insurance eliminates those roadblocks. With minimal underwriting, most policies are approved in 3–5 days, and coverage begins as soon as your first premium is paid.

That means no blood tests, no paramedical visits, and no waiting on financial records. It’s the fastest way to protect your income without sacrificing quality or benefits.

Tax Advantages of Disability Income Insurance

When you pay premiums with after-tax dollars, any benefits you receive are typically 100% tax-free. This makes disability insurance one of the most efficient ways to replace lost income. While traditional savings or investments fluctuate with the market, disability benefits provide steady, predictable payments during recovery—helping you stay financially secure even if you can’t work.

Ideal for Self-Employed and 1099 Professionals

If you’re self-employed, a contractor, or a small business owner, you know your income depends on your ability to work. Losing that income—even temporarily—can disrupt your household and business. No Exam Disability Insurance offers affordable protection without requiring you to submit years of tax returns or complex business documentation.

Learn more about related coverage designed for professionals and small business owners:

Flexible Benefit Structures

No Exam Disability policies can be customized to fit your specific needs. You choose the monthly benefit, waiting period, and coverage duration that align with your budget and risk tolerance. Options include:

Short-term coverage: 1–5 years for temporary protection
Long-term coverage: Up to age 65 or 67 for career-length protection
Elimination periods from 30 to 180 days
Residual and partial disability benefits to cover reduced income

Integrating Disability Coverage into a Complete Plan

For many clients, disability income protection works hand-in-hand with other products like Hybrid Long-Term Care Policies or Guaranteed Issue Long-Term Care Insurance. These strategies help preserve your assets, maintain independence, and protect your loved ones—no matter what life brings.

In addition, our advisors often coordinate disability coverage with retirement planning strategies such as Current Annuity Rates or Bonus Annuities with Upfront Incentives, ensuring that your income protection aligns with your broader financial goals.

Why Work with Diversified Insurance Brokers

As a family-owned, fiduciary insurance agency licensed in all 50 states, Diversified Insurance Brokers provides objective, carrier-neutral advice backed by over four decades of experience. We work with more than 75 A-rated carriers to find the most competitive, simplified-issue disability options available nationwide.

Our team helps you:

Compare simplified-issue plans side by side
Review waiting and benefit period options
Coordinate disability coverage with business and retirement planning
Ensure your benefits remain tax-efficient and properly structured

Request a Disability Insurance Quote

Compare simplified-issue disability plans—no medical exams, no income verification, fast approval.

Get My Quote

FAQs: No Exam Disability Insurance

What is No Exam Disability Insurance?

It’s simplified-issue disability income coverage that waives the medical exam and lab work. Approval is based on a short health questionnaire and limited underwriting so you can secure income protection quickly.

Who qualifies for No Exam DI?

Generally ages 18–60 may qualify. Typical maximums are up to $8,000/month (ages 18–50) and up to $6,000/month (ages 51–60). W-2 earners may get no-income-verification benefits up to $6,000/month; self-employed/1099 up to $4,000/month, subject to carrier rules.

Do I have to verify income?

Often no, up to published limits. Above those limits—or for certain occupations—carriers may request pay stubs or tax returns. Your application will clarify what’s needed.

How fast can I get covered?

Many simplified-issue policies can be approved in a few days once your application and e-signatures are complete.

Are my disability benefits taxable?

If you pay premiums with after-tax dollars, benefits are typically tax-free. If premiums are paid pre-tax or by an employer, benefits may be taxable. Consult your tax advisor.

What benefit period should I choose?

Common options range from 1–5 years to age 65 or 67. Longer periods cost more but protect income for a greater portion of your career. We help match the period to your budget and risk tolerance.

What is an elimination period?

It’s the waiting period before benefits start (e.g., 30–180 days). Shorter waits cost more; longer waits reduce premiums. Choose one that aligns with your emergency savings.

Can I get partial or residual disability benefits?

Yes, many simplified-issue policies include residual or offer it as a rider, paying a portion of benefits if you can work part-time but with reduced income.

Does No Exam DI cover mental health or pregnancy-related claims?

Coverage varies by carrier and state. Some policies include mental/nervous and complications of pregnancy with caps or limits. We’ll review specifics before you apply.

Can self-employed and 1099 workers qualify?

Yes. No-exam options are available with streamlined financial requirements, often without income verification up to set monthly limits.

How do premiums compare to fully underwritten DI?

Premiums are competitive, though simplified-issue may be slightly higher for the convenience and speed. We quote multiple carriers to keep costs low.

How do I get a quote?

Use our secure form to compare simplified-issue options: Request a Disability Insurance Quote.