Independent comparison
Term life insurance,
usually without a medical exam.
Most healthy applicants under 55 can get covered by answering health questions online instead of sitting for a paramedical exam. We compare the carriers that do it, explain how they differ, and leave the decision to you.
Free to use. We never sell your information.
What "no medical exam" actually means
A questionnaire replaces the needle
Instead of a paramedical visit, you answer questions about your health history. The insurer checks prescription, motor vehicle, and claims databases behind the scenes.
It is not automatic approval
You still get underwritten. Answers that conflict with the databases, higher coverage amounts, or certain conditions can route you into a full exam anyway.
It suits some people better than others
The economics work best for healthy applicants in their twenties to forties. If you have a complicated history, a traditional exam may actually get you a better rate.
Carriers we cover
Four companies, reviewed on what they actually do well and where they fall short. Reviewed July 2026.
Ladder
Adjustable term coverage you can change without reapplying
Read the reviewEthos
Fast online decisions across term and permanent coverage
Read the reviewPolicygenius
A marketplace that quotes several insurers at once
Read the reviewFabric by Gerber Life
Term life built around young families
Read the reviewNot sure where to start?
Answer five questions and we will point you toward the carriers that fit your age, coverage need, and health profile.
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