No-Exam Life Insurance Estimate
Estimate coverage without scheduling a medical exam.
QuickLife Insure helps you understand whether a no-exam or quick-decision life insurance path may fit your family, timeline, and budget.
See my estimated rateEstimates are not a guarantee of approval, final rate, or coverage.
When no-exam coverage may make sense
You want speed
You need a starting point quickly and prefer to begin online.
See your estimated rate in minutes.
Prefer to talk it through? You’ll be matched with a licensed agent from a public service background.
- Estimates before any agent call
- No contact info needed
- Online estimates not available in New York
You prefer simplicity
You would rather avoid an exam unless underwriting says more information is needed.
You want guidance
A licensed agent can help explain the estimate before you decide what to do next.
What can affect the estimate
Health and prescriptions
Recent diagnoses, medications, tobacco use, height, weight, and treatment history can affect eligibility and price.
Coverage amount and term
The amount of protection and how long you want it to last can change the estimated monthly cost.
Start with an estimate.
Use the estimate path. No alternate forms, no pressure, and no promise beyond a rate estimate.
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Insurance Researcher & Writer
Hannah McCullough is the Director of Operations for Insurance By Heroes, overseeing policy handling, compliance, and customer service. A former teacher and coach, she served more than six years in public education and holds a Master of Education in Educational Leadership from East Central University.
Founder, InsuranceByHeroes.com · Licensed in 49 States & D.C.
Joshua Wahls is the founder of Insurance By Heroes and an independent life insurance broker licensed in 49 states and Washington, D.C. (NPN 19191959). A former police officer and IRS life insurance and annuities subject-matter expert, he holds an MBA from Western Governors University, and his expertise has been quoted in AOL, Business Insider, TechBullion, and other publications.