A Quicker Path to Coverage: Life Insurance with No Medical Exam

If you're like many, you may think purchasing life insurance requires full underwriting — a process that involves a lot of paperwork and medical tests to assess the eligibility and risk of an applicant. While this is one way to obtain coverage, it isn't your only option. There is a much simpler path to getting life insurance.

Life Insurance with Simplified Underwriting

There are life insurance policies that don't require a visit to the doctor, lab work, or a great deal of paperwork — this is often referred to as "no medical exam" life insurance. Usually, you only need to answer a few short yes or no questions and provide some basic health information when applying. This process is called simplified underwriting.

Advantages of No Medical Exam Life Insurance

It's convenient Icon It’s convenient — Some companies allow you to purchase life insurance from the convenience of your own home, without having to take any medical tests or visit a doctor.
Affordable Icon Affordable — You may be surprised to learn that many no medical exam life insurance policies can be affordable and offer a large range of coverage amounts that may fit your needs.
It's Quick Icon It’s quick — No medical exam life insurance allows you to acquire protection in a fraction of the time it takes to purchase a policy with full medical underwriting.
Avoids full underwriting Icon Avoids full underwriting — Life insurance without a medical exam may be a good option if you have concerns about extensive tests and or do not have the time to see your health provider.
Fits individual needs Icon Fit individual needs — Whether you’re in search of first-time coverage, or looking to supplement your existing insurance, no medical exam life insurance is a simple way to help protect your family's future and fit your individual needs.

Choosing Life Insurance That’s Right For You

If you decide that life insurance without a medical exam is the right choice for you, it’s easy to get started. Many companies allow you to request information or apply for this type of insurance online or through the mail.

Regardless of the type of policy you choose, it’s important to select a life insurance provider that you can trust. Be sure to choose a stable company with strong financial strength ratings that you can count on now, and in the future.

This article is provided by New York Life Insurance Company for informational purposes only. This article is not intended to provide tax, legal, financial or accounting advice. Please consult your own professional for advice specific to your circumstances.

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New York Life Insurance Company and New York Life Insurance and Annuity Corporation pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP and its affiliates are not insurers. AARP does not employ agents, producers, or brokers. AARP has established the AARP Annuity Trust and the AARP Life Insurance Trust to hold group life insurance policies and group annuity contracts for the benefit of AARP members.
The AARP Life Insurance Program is underwritten by New York Life Insurance Company (NAIC #66915), New York, NY 10010. The AARP Lifetime Income Program is underwritten by New York Life Insurance and Annuity Corporation (NAIC #91596), Newark, DE 19713. AARP membership is required for Program eligibility. Guarantees are based on the claims-paying ability of NYLIAC. Specific products, features and/or gifts not available in all states or countries. New York Life Insurance Company and NYLIAC are licensed in all 50 states. (Group life insurance policy forms AA-08, AA-15, AA-52, AA-53, AA-54, AA-64, AA-65, AA-66, AA-71, AA-72 and Individual policy formsILJUV6, ILJUV6-ID, ILJUV6-LA, ILJUV6-MN, ILJUV6-OH, ILJUV6-VT). (Group annuity policy forms IA-01, IA-02, and IA-04). New York Life Insurance and Annuity Corporation is a wholly owned subsidiary of New York Life Insurance Company.

Complete terms and conditions are set forth in the group policy issued by New York Life to the Trustee for the AARP Life Insurance Trust.

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The licensed life insurance agent is Michael Horan (Arkansas #280279, California #0B58435). Please call New York Life at 1-800-865-7927.


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