Best Life Insurance Companies That Don’t Require a Blood Test (2021)

Life insurance can keep your loved ones from struggling financially after you die, but the thought of taking a blood test keeps many people from taking advantage of life insurance; however, these days you can find reputable and affordable life insurance companies that don't require a blood test. You can buy life insurance for as little as $3.49/month with life insurance companies that don't require a blood test and even take advantage of living benefits with some of these policies.

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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Sep 29, 2021

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The Highlights

  • Life insurance policies that don’t require a blood test are known as no medical exam life insurance
  • Very reputable companies offer life insurance policies that don’t require a blood test
  • Life insurance policies that don’t require a blood test empower more people to protect their loved ones

Life insurance is a valuable tool that can protect an individual’s loved ones from struggling financially after he or she dies; nevertheless, the prospect of having to endure intense scrutiny about their lifestyle or get a blood test deters many individuals from purchasing necessary coverage.

There’s no need to become anxious about what kind of legacy you’ll leave behind though because current variations of life insurance are far more accepting. There’s life insurance for people with cystic fibrosis and more.

Even if you think that most insurance companies would deny you coverage due to your current physical condition, affordable life insurance companies that don’t require a blood test can make life insurance available to you.

These types of policies are known as no exam life insurance, and with today’s technology, you can acquire life insurance quotes from life insurance companies that don’t require a blood test online and from the comfort of your own home.

Enter your ZIP code below to get free quotes from life insurance companies that don’t require a blood test near you.

Where can you buy life insurance without a blood test?

Life insurance that doesn’t require a blood test may not sound genuine, but it is a true blue service available at quite a few exceedingly trustworthy companies.

Here are some of the best insurance companies where you can purchase life insurance without taking a blood test:

  • American International Group (AIG)
  • New York Life
  • Globe Life
  • State Farm
  • Colonial Penn
  • Prudential Veterans’ Group Life Insurance (VGLI)

While all of these companies are excellent, how can you tell which one best suits your needs?

Let’s take a more in-depth look at these companies and examine the selling points of each one.

American International Group

AIG is a financially strong company that has an A rating from AM Best. It also offers living benefits at no additional cost when you purchase life insurance that doesn’t require a blood test; this is a trait that is not shared with many of its competitors.

If you were to purchase AIG’s Guaranteed Issue Whole Life Insurance policy and were later diagnosed with a terminal illness or even Alzheimer’s, you could use up to 50% of your death benefit to improve your quality of life.

To qualify for this policy, you must be between 50 and 80-years old. Curious as to how much a policy with AIG would cost you? Well, a 60-year old woman could purchase $25,000 in coverage for $121.60 per month.

Now, if you think you only need a small amount of coverage you can buy as little as $5,000 in coverage.

New York Life

You can get $150,000 in coverage starting at $119 per month with New York Life, a company that was rated A++ by AM Best.

The major downside to New York Life is, unlike the other companies on this list, you cannot get a quote for a policy online. You must reach out to a New York Life agent to receive quotes.

Globe Life

If you want life insurance with no waiting period, Globe Life might be the best choice for you because within minutes of finalizing your quote you can have access to anywhere from $5,000 to $100,000 in coverage.

This company has long provided excellent life insurance products, and when it comes to life insurance rates, life insurance companies that don’t require a blood test are often quite affordable.

Established in 1900, this company currently has an A rating from AM Best and offers incredibly low monthly premiums. For example, for only $3.49 a month, you can provide for your family after you’ve passed.

Bear in mind, that the cost of your policy will fluctuate depending on how much coverage you decide to purchase.

State Farm

State Farm’s policies are aimed at a younger crowd than many of the companies on this list. If you’re just 16 years old you can take advantage of a no medical exam policy with State Farm. Of course, you can’t be over the age of 45 either.

Be aware that while State Farm policies come with a higher price tag — buying $500,000 in coverage could cost you about $32 per month if you’re very healthy — it does carry an A++ rating from AM Best, and it lets applicants fill out a quote online, undisturbed by salespeople.

You will have to answer some personal questions regarding your:

  • Height
  • Weight
  • Birthdate
  • Birth sex
  • Tobacco Usage

In addition to this, you will also be required to rate the general state of your health.

Colonial Penn

In the business of insurance for over 60 years, Colonial Penn not only has an A- rating from AM Best but five different life insurance plans on hand to boot.

One such policy type, the Guaranteed Acceptance Life Insurance plan, is available for individuals who are as young as 50 or as old as 85. Even better, you can buy this policy for as little as $9.95 per month.

Now, you can purchase as much as $50,000 in coverage so bear in mind that your rates may vary.

Prudential Veterans’ Group Life Insurance

If you are a veteran who wants life insurance, no medical exam, and great rates, Prudential Veterans’ Group Life Insurance is the company for you.

With an AM Best A+ rated company, VGLI doesn’t discriminate. As long as you enroll in the program with 240 days of leaving the service, you can get coverage — no questions asked.

Even if you’ve suffered a traumatic brain injury or have PTSD, you can obtain lifelong coverage through this program that is also highly cost-effective. For $34 per month, you could buy $200,000 in coverage and can make payments on a schedule that works for you.

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Who can buy life insurance without a blood test?

If you want to buy life insurance, life insurance companies that do require a blood test may not be the best fit for you if you are older or have a chronic condition.

Such policies may charge exorbitant rates, and applicants who don’t fall under an insurance company’s restricted definition of a low-risk individual may be denied life insurance altogether.

Life insurance companies that don’t require a blood test, on the other hand, are much more accepting because no invasive examinations into an individual’s health or lifestyle are required. This means that practically anyone can buy life insurance.

This is especially great news because these plans, which might include term or whole life insurance, allow you to obtain coverage much more quickly than standard life insurance policies that require a blood test. These days you can even get whole life insurance, no medical exam required.

What You Need About Life Insurance Companies That Don’t Require a Blood Test

When shopping for a life insurance company, try life insurance companies that don’t require a blood test. These companies make life insurance far more accessible to more people and empower you to care for your family even after you’ve passed on.

If you’re not sure how to find the best policy for you, make use of free resources like an insurance calculator to find out how much you may need and go over your budget to see how much you can spend each month.

Once you have a figure in mind, be sure to get at least three quotes from different companies so you can compare coverage levels, the benefits of each policy, and the rates offered by each company.

Enter your ZIP code below to get free quotes from life insurance companies that don’t require a blood test today.

Are you looking for free insurance quotes?

Your one-stop online insurance guide. Get free quotes now!

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