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LegalTerms of ServiceOnline TrackingPrivacy PolicyYour Privacy ChoicesYour Privacy ChoicesVulnerability Disclosure ProgramCopyright © 2025 ValuePenguinAdvertiser Disclosure: The information on this site is intended for general informational and educational purposes. Some products, services or offers that appear on this site are from companies from whom ValuePenguin receives compensation. ValuePenguin is not an insurance agency nor does ValuePenguin underwrite any insurance policy. ValuePenguin does not review or include all insurance companies or products available in the marketplace, and ValuePenguin advises consumers to shop for the best insurance product for their particular situation. For more information please see our Advertiser Disclosure., The size of a no-exam life insurance policy can range from $2,000 to $1 million or more, depending on the insurer and policy type, and your age, health history, and other personal factors., Life insurance buyers looking for affordable no-exam life insurance rates should consider Pacific Life. It has some of the lowest rates for 30- and 40-year-olds among competitors..
Lemonade: Best for long terms. Lincoln Financial: Best for convertible term insurance. Protective Life: Best for simplified issue whole life. Not all life insurance policies require a medical exam , No medical exam whole life insurance. No medical exam whole life insurance is typically used as a form of final expense insurance, because the coverage is lifelong and death benefits are generally capped at $25,000 or $50,000. After your death, your beneficiaries may get a payout large enough to cover your funeral, other end-of-life costs and , , , , .