$500k Life Insurance No Medical Exam

Are you searching for cost of a $500k life insurance policy with no medical exam? Then you’re at the right place!

In 2023, there are several highly rated and trusted life insurance companies that offer a $500,000 life insurance policy 100% exam free. Below we’ll go over the $500k life insurance no exam policy sample rates by age, show who is eligible and answer the most common questions people ask when purchasing a no medical exam life insurance policy. The sample rates below are from one of our favorite 100% true no medical exam life insurance companies. They are a legacy insuerer that has been in business for over 100 years, are Excellent rated and never failed to pay a valid claim.

$500k No Medical Exam Life Insurance Rates by Age Chart: 10 Year Term

Below are the monthly rates (quotes) for a $500,000 10-year term no medical exam life insurance policy.

Age	Gender	Preferred Plus	Preferred	Standard
20	Male	$14	$17	$29
20	Female	$11	$14	$23
25	Male	$14	$17	$29
25	Female	$11	$14	$23
30	Male	$14	$17	$29
30	Female	$11	$14	$23
35	Male	$14	$18	$29
35	Female	$12	$15	$23
40	Male	$18	$23	$35
40	Female	$15	$20	$32
45	Male	$27	$35	$56
45	Female	$24	$30	$46
50	Male	$42	$55	$87
50	Female	$35	$45	$66
55	Male	$71	$85	$136
55	Female	$53	$64	$95
60	Male	$114	$132	$207
60	Female	$77	$95	$137

$500k No Medical Exam Life Insurance Rates by Age Chart: 15 Year Term

Below are the monthly rates (quotes) for a $500,000 15-year term no medical exam life insurance policy.

Age	Gender	Preferred Plus	Preferred	Standard
20	Male	$14	$20	$32
20	Female	$13	$17	$28
25	Male	$14	$20	$33
25	Female	$13	$17	$28
30	Male	$14	$20	$33
30	Female	$13	$17	$29
35	Male	$17	$21	$34
35	Female	$14	$18	$31
40	Male	$24	$28	$46
40	Female	$20	$25	$42
45	Male	$37	$44	$76
45	Female	$29	$36	$61
50	Male	$58	$72	$113
50	Female	$44	$52	$86
55	Male	$100	$118	$183
55	Female	$66	$80	$124
60	Male	$169	$201	$286
60	Female	$107	$123	$203

$500k No Medical Exam Life Insurance Rates by Age Chart: 20 Year Term

Below are the monthly rates (quotes) for a $500,000 20-year term no medical exam life insurance policy.

Age	Gender	Preferred Plus	Preferred	Standard
20	Male	$19	$25	$38
20	Female	$16	$19	$30
25	Male	$19	$25	$38
25	Female	$16	$19	$31
30	Male	$19	$26	$38
30	Female	$17	$20	$32
35	Male	$22	$27	$43
35	Female	$17	$23	$36
40	Male	$31	$38	$60
40	Female	$24	$30	$48
45	Male	$48	$58	$95
45	Female	$38	$45	$74
50	Male	$83	$100	$144
50	Female	$60	$69	$110
55	Male	$151	$175	$243
55	Female	$93	$109	$167
60	Male	$275	$310	$425
60	Female	$165	$187	$280

_{Date of birth used February 1st for male and female. Rates current 2/3/2023}

Who Is $500k No Medical Exam Life Insurance For?

A $500k no medical exam life insurance policy is ideal for those looking to protect their income, loved ones, cover debts such as a mortgage or cover a small business loan.

No medical exam level term life insurance is great for:

• Family protection
• Income protection
• Mortgage protection
• Often a much better policy compared to employer sponsored supplemental and voluntary life insurance which is not portable and or is very expensive
• Often a much better policy than most associations step-rate life insurance plans that increase premiums every 5 years
• Busy professionals
• Executives
• Those who don’t like needles
• SBA loans
• New families
• Stay-at-home parents
• Single parents
• Self-employed

Instant $500k Life Insurance No Exam Life Insurance Quotes

Compare quotes for a $500k life insurance no medical exam policy with to lock in the rate for 10, 15, 20, 25 and 30 years level (fixed) premiums.

• No Medical Exam
• Fast online policy delivery and online policyholder dashboard
• Fixed premiums: 10, 15, 20, 25 and 30 year terms available (depending on age)
• Competitive rates
• Excellent rated financially by A.M. Best
• Insurer founded more than 115 years ago

Disclaimer: Coverage begins for natural causes and accidents immediately once the policy is activated, there is no waiting period. It’s important to be 100% honest on a life insurance application as the insurer can contest the policy in the first two-years if death occurs and there was misrepresentation on the application. Also, the insurance company has the right to audit policy in the first two-years which could result in termination if there was misrepresentation on the application. Please see your individual life insurance policy for terms, conditions and exclusions. This is not a legal document and is to be used for informational purposed only.