Life Insurance Without a Medical Exam
DIY offers hassle-free life insurance with no medical exams required. Simply answer a few health-related questions online to get personalized coverage. No matter your health status, you’re eligible for a no-exam policy with DIY.
Online Instant Term Life—No Exam Needed!
Quick & Easy Life Insurance with No Medical Exam
Apply online in minutes! Answer a few health questions and get your life insurance quote—no medical exam required.
Up to $2M Coverage
Select a policy ranging from $100,000 to $2 million.
Term Length Flexibility
Choose from 10-, 15-, 20-, or 30-year terms.
Expert Support Anytime
Expert agents are here to help—ask away!
Find Out if No-Exam Life Insurance is Right for You
Apply for free with zero impact on your credit.
Stress-Free Life Insurance
Some insurers require a medical exam if you have a health condition or work in a high-risk job, which could lead to higher premiums.
DIY provides alternative options for higher-risk applicants. Based on your health answers, you may qualify for a simplified issue policy. If not, a guaranteed issue policy with coverage up to $30,000 may be available.
No Medical Exam Needed for DIY Applicants
Simply answer a few health questions and submit your application for review. In some cases, you may need to answer additional medical questions, but no exam is required.
How to Expedite Your Application
When You Apply
Provide detailed and accurate answers to speed up the process. Have the following information ready:
- Driver’s license
- Social Security number (for identity verification)
- Personal and family medical history
- Current prescription details
What to Expect After Applying
If follow-up questions are required, respond promptly to avoid delays in the underwriting process.
Please note that all quoted prices are subject to change based on underwriting.