Life insurance with no medical exam
Cardinal never requires a medical exam for anyone. You can apply for personalized online life insurance coverage through Cardinal without needing to schedule an exam—you'll just need to answer a few health-related questions. Regardless of your health status, with Cardinal, you are eligible for a no-medical-exam life insurance policy.
Online no-exam term life insurance
Term length flexibility
We offer 10-, 15-, 20-, and 30-year terms.
Fast, online life insurance with no medical exam
Complete our 100% online application in minutes. Just answer a few health questions and receive your life insurance quote today with no requirements of a medical exam.
Coverage up to $2 million
Choose coverage from $100,000 to $2 million.
Expert help when you need it
Our team of licensed agents can answer all your questions.
See if no-exam life insurance works for you
Our application is free and won't affect your credit score.
Hassle-free life insurance
Some insurers will require a medical exam before approving you for a policy if you have an underlying health condition or work in a high-risk profession. The medical exam results are then used to determine your premium, which could result in a "higher risk" premium if the results indicate that's warranted.
Cardinal offers alternatives for those applicants who are considered a higher risk. Simplified issue and guaranteed issue policies are two popular options. Depending on the answers to your medical questions, you may qualify for a simplified issue policy. Others may be offered a guaranteed issue policy with coverage up to $30,000.
Cardinal applicants don't need a medical exam
After you answer a few health questions and submit your application, it's reviewed to determine if it can be approved quickly. Depending on your situation, you may be asked to answer a few follow-up medical questions.
How to expedite your application
When you apply
Answer each question with as much detail and accuracy as possible. And be sure to have the following information handy:
- Driver's license
- Social security number (to verify your identity)
- Personal and family medical history
- Current prescription information
After you apply
If you’re asked to answer any follow-up questions, be sure to take care of these requests as soon as possible. The policy underwriting process will be delayed until these steps get completed.
Get a quote
See how much coverage you qualify for
Please note that all prices quoted are subject to change, including due to underwriting.
Customers get approved in as little as 5 minutes. You can purchase instantly or do it anytime in the next 30 days.
1,740 is the average number of customers qualified for approval through Cardinal on a daily basis.
*For people ages 40 and over, the average rate increase is 10% every 6 months. For all people regardless of age, the average rate increase is 6% every 6 months. Once you purchase, your rate is the same your whole term.
*Not all policies are eligible to receive the Cardinal Estate Planning perk and documents may not be available in all states. Your use of the estate planning documents is subject to the Terms of Service and Privacy Policy. Cardinal Estate Planning is not a law firm and our products and services are not a substitute for the advice of an attorney. Questions? Contact us.
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© 2024 Cardinal Technologies Inc. Cardinal operates in some states as Cardinal Life Insurance Services. CA license #0L28949; AR license #100164629. Cardinal offers policies issued by the carriers listed at www.cardinallife.com/carriers. Products and their features may not be available in all states. To help avoid requiring a medical exam, our application asks certain health and lifestyle questions.