No med exam
life insurance

Skip the medical exams and get your instant quote with Bestow. Coverage today, if approved.
Start with a quote
Weight (lbs)
Zip Code

I currently use nicotine products


Term life insurance policies with your medical history only

No medical exam life insurance is as simple as it sounds. Instead of the usual medical exam often required by some insurers, Bestow asks a few medical questions online and technology does the rest. It takes as little as 5 minutes to apply, and you’ll get an instant decision. If approved, you could enjoy some financial protection for your loved ones today. That’s right. Today.

How to get term life insurance without a medical exam


1. Start with a fast, free quote

With Bestow, it’s as easy as click, click, quote. Provide some basic information and get a free quote instantly.


2. Apply online in minutes

Answer a few simple health questions and provide some additional information (health issues, lifestyle, etc). The entire term life insurance application can be completed in minutes.


3. Fine tune your coverage

Build a policy that’s right for you. Consider coverage amounts, term lengths, and what makes the most sense for you and your family.

Apply for Bestow from your phone

Real Reviews from Real Customers

“All done online within 15 minutes without having to talk to anyone or do any medical exams.”


Best decision...wish I would have done this sooner!

Term life insurancewith no exam required. Ever.


Explore your life insurance options without leaving the couch. No health exam. No hassles. No drama. Just answer a few simple questions online.


Not only is your initial quote instant, but our cool technology means the underwriting process is also super fast. Apply in minutes and get an instant decision.


Bestow offers affordable life insurance rates starting at just $10/mo. Get coverage from $50,000 to $1.5 million, if approved.

Tech-enabled life insurance for lower rates

Our mission is to help expand access to life insurance coverage, and to make it as easy as we can to apply. Some life insurance providers require medical exams, blood work, test results and more, but our technology lets you skip those steps, hopefully helping you find a better rate in a fraction of the time you might expect.

Benefits of no-medical exam insurance

Depending on the type of coverage you’re looking for, there could be a number of steps involved in applying for life insurance. One step that some might prefer to skip is the medical exam. We get it. Maybe getting an appointment is a hassle. Maybe you don’t like needles (and really, who does?). More than anything, this step takes time. Not just the appointment, but waiting for results and including those in your application can take weeks. Bestow’s no medical exam term life insurance application means just that. Apply online in minutes and never take a medical exam. Apply for between a 10 and 30-year term policy and you could have coverage today, if approved. Yeah, you read that right. Today.

No-medical examlife insurance questions

Can you get life insurance without a medical exam?
expand arrow
Is there a waiting period for no exam life insurance?
expand arrow
How is term life insurance different from other types of life insurance?
expand arrow
How much life insurance can you get without a medical exam?
expand arrow
What is the maximum amount of life insurance I can get?
expand arrow
Why would someone be turned down for no-exam term life insurance?
expand arrow

Coverage today, if approved.
Yep. It's that easy.