No-Exam Life Insurance
in Maryland
Coverage in Hours.
No Doctor. No Needles. No Waiting.
No-exam life insurance covers you without a paramedical exam — no blood draw, no urine sample, no nurse visit. Depending on your age and health, you can get $1 million or more in coverage approved within minutes. We match you to the right underwriting tier and carrier for your specific situation.
Medical Exam
(Accelerated UW)
for Every Health Profile
(Guaranteed Issue)
Compared for You
Three Underwriting Tiers — Which One Are You?
The term “no-exam” covers very different products. Your age, health, and coverage need determine which tier you qualify for — and which gives you the best value.
| Comparison | Accelerated UW | Simplified Issue | Guaranteed Issue | Traditional (with exam) |
|---|---|---|---|---|
| Medical exam | No | No | No | Yes (blood + urine) |
| Health questions | Some (digital) | Yes (detailed) | None | Yes (detailed) |
| Max coverage | $3M+ | $750K | $25K | $10M+ |
| Approval time | 15 min – 24 hrs | 24–72 hours | Same day | 2–6 weeks |
| Cost vs. exam policy | Same | +10–25% | Highest/dollar | Lowest/dollar |
| Waiting period | None | None (usually) | 2 years (natural causes) | None |
How No-Exam Life Insurance Works — Step by Step
Share Your Basics
Age, coverage amount, general health, tobacco status. Takes 2 minutes.
We Pre-Screen Carriers
We match your health profile to the right carrier and tier before any formal application — protecting your MIB record.
Digital Application
Complete online — health questions (or none for guaranteed issue), beneficiary info, payment. No paper, no fax.
Carrier Decision
Accelerated UW: 15 minutes–24 hours. Simplified issue: 24–72 hours. Guaranteed issue: same day. No exam scheduled.
Coverage Active
Policy issued electronically. Coverage begins immediately upon first payment. Your family is protected.
What Does the Carrier Check Instead of a Medical Exam?
💊 Prescription Database
Milliman IntelliScript or Rx History — shows all prescriptions filled in the last 5–7 years. Reveals conditions even if not disclosed.
📋 MIB Records
Coded health information from previous insurance applications — reveals prior conditions or declined applications.
🚗 Motor Vehicle Report
Driving record — DUIs, reckless driving, and excessive violations affect mortality risk and rates.
📊 Credit-Based Insurance Score
Not your credit score — an insurance-specific model that correlates certain financial patterns with mortality risk.
Important: The carrier is still underwriting you — they just use data instead of a blood draw. Misrepresenting health on the application is insurance fraud. Be honest; we help you find the right carrier for your actual health profile.
Which Tier Is Right for Your Health History?
This is a general guide — individual carrier guidelines vary and we pre-screen before applying. The right answer depends on your specific condition, management, and how long it’s been controlled.
| Health Condition | Accelerated UW | Simplified Issue | Guaranteed Issue |
|---|---|---|---|
| Excellent health, no conditions | ✅ Best choice | ✅ Available | Available (but costly) |
| Controlled hypertension (on meds) | ✅ Usually OK | ✅ Standard–table | ✅ Available |
| Type 2 diabetes (well-controlled) | ⚠️ Case-by-case | ✅ Often standard | ✅ Available |
| High cholesterol (treated) | ✅ Usually OK | ✅ Standard | ✅ Available |
| Mild obesity (BMI 30–35) | ⚠️ Possible table | ✅ Table or standard | ✅ Available |
| Depression/anxiety (stable, on meds) | ⚠️ Case-by-case | ✅ Often available | ✅ Available |
| Cancer in remission (5+ years) | ❌ Usually declined | ⚠️ Carrier-specific | ✅ Available |
| Heart attack (2+ years prior) | ❌ Declined | ⚠️ Limited carriers | ✅ Available |
| Active cancer | ❌ Declined | ❌ Usually declined | ✅ Available |
| Dialysis / oxygen use | ❌ Declined | ❌ Usually declined | ✅ Available |
⚠️ This table is general guidance only. Individual carriers have significantly different underwriting guidelines. A condition that gets declined at Carrier A may be approved at standard rates at Carrier B. This is exactly why pre-screening matters — we identify the right carrier before you formally apply, protecting your MIB record from declined applications that could affect future coverage. Call or apply online and we’ll do this pre-screen for you at no cost.
How Much Does No-Exam Life Insurance Cost?
Approximate monthly premiums. Accelerated underwriting rates are essentially identical to fully underwritten — the speed premium is zero for healthy applicants.
Term Life — $500,000 · 20-Year · Non-Smoker · Accelerated or Simplified Issue
| Age | Accel. UW · Male Preferred | Accel. UW · Female Preferred | Simplified Issue · Male Std |
|---|---|---|---|
| Age 30 | $22–$28/mo | $17–$22/mo | $32–$44/mo |
| Age 35 | $28–$38/mo | $22–$29/mo | $40–$55/mo |
| Age 40 | $45–$62/mo | $34–$48/mo | $65–$88/mo |
| Age 45 | $80–$108/mo | $60–$82/mo | $116–$158/mo |
| Age 50 | $140–$188/mo | $105–$142/mo | $200–$272/mo |
Guaranteed Issue Whole Life — Final Expense · Ages 50–80
| Age | $10,000 Coverage | $15,000 Coverage | $25,000 Coverage |
|---|---|---|---|
| Age 55 | $38–$52/mo | $56–$76/mo | $90–$122/mo |
| Age 65 | $58–$78/mo | $86–$116/mo | $140–$190/mo |
| Age 75 | $96–$128/mo | $142–$190/mo | $230–$308/mo |
💡 Key insight for healthy applicants: Accelerated underwriting is almost always the right choice if you qualify — you get the same rate as a fully underwritten policy (which requires a blood draw and 4–6 week wait) with approval in 24 hours or less. The 10–25% premium cost of simplified issue is only worth paying if you have health conditions that won’t qualify for accelerated underwriting.
The MIB — Why Applying to the Wrong Carrier First Can Hurt You
📋 What Is the MIB?
MIB Group (formerly the Medical Information Bureau) is a database used by life insurance carriers to share coded health information from previous insurance applications. When you apply for coverage, most carriers check your MIB file as part of underwriting.
⚠️ The Problem with Applying Blindly
If Carrier A declines your application, that declination may be coded into your MIB record. When Carrier B checks your MIB file, they see the prior declination — which can trigger additional scrutiny or automatic decline even if Carrier B would otherwise approve you. Applying to the wrong carrier first can close doors with better carriers.
✅ How We Protect You
Before submitting any formal application, we pre-screen your health profile with our carrier contacts — identifying which carrier’s underwriting guidelines are the best fit for your specific conditions. We only submit a formal application once we’re confident in the outcome. This informal pre-screen doesn’t create an MIB entry.
Bottom line: Online quote tools and carrier websites show you prices but don’t tell you whether you’ll actually be approved at that price — or what happens to your MIB record if you’re not. We’ve been doing this since 2010. We know which carriers are most lenient for diabetes, which ones are best for controlled cardiovascular history, and which ones to avoid for certain conditions. That knowledge is free to you — we’re paid by the carriers identically regardless of which one you choose.
All Life Insurance Options
Term Life
Lowest cost · Income replacement
Explore →Whole Life
Permanent · Cash value · Estate
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Flexible · Market-linked growth
Explore →Mortgage Protection
Home · Living benefits
Explore →Final Expense
Ages 50–85 · Same-day
Explore →Annuities
Guaranteed lifetime income
Explore →Guides That Go Deeper
20+ Carriers · Free · No Obligation · No Blood Draw · Multiple States
Coverage in Hours.
No Exam. No Wait. No Needles.
We match you to the right underwriting tier and carrier for your health profile — before you formally apply, protecting your MIB record. Free. Honest. No pressure.
Or call: 301-569-2224 · Mon–Fri 9AM–6PM ETMD Life Insurance · Brookeville, MD 20833 · 301-569-2224 · info@mdlifeins.com · Licensed insurance producer in Maryland and multiple other states (NPN 3028543). Independent insurance brokerage — not captive to any single carrier. Premium ranges are approximate 2025 illustrative estimates and do not constitute a binding quote. Actual premiums and approval depend on age, health, tobacco use, coverage amount, term, carrier, and final underwriting outcome. Accelerated underwriting availability and limits vary by carrier and are subject to change. Simplified issue and guaranteed issue coverage limits and waiting periods vary by carrier and product. MIB pre-screening is informal and does not guarantee approval. Guaranteed issue policies include a graded benefit period — review your policy contract for specific terms. This page does not constitute financial, legal, or tax advice. Legal · Privacy Policy · Accessibility