Get $500,000 In Term Life Insurance From $18/Month

A+ RATED CARRIERS – NO EXAM REQUIRED

Why No Exam Life Insurance?

Instant Approval in MinutesGet approved in minutes, not weeks. No waiting for lab results or doctor visits.

Same-Day Coverage Up to $2MYour policy starts today. Protect your family with up to $2 million in coverage.

100% Online ApplicationComplete everything from your phone. Simple health questions replace the medical exam.

Compare No-Exam Life Insurance Rates

Rates shown are estimates. Your actual rate may vary based on location and coverage.

How Much Does No-Exam Life Insurance Cost?

By Age (Non-Smoker, $500K)

No-Exam vs Traditional Exam Rates (35-Year-Old, $500K)

Rates shown are national averages. Your actual rate may vary based on location, coverage level, and individual factors.

Best No-Exam Life Insurance Companies

Ethos

Instant decisions for most applicants. Coverage up to $2M with no medical exam. Simple 10-minute online application.

SBLI

Over 100 years of financial strength. A+ rated by A.M. Best with some of the lowest term life rates available.

Ladder

Adjust coverage up or down as your needs change. No hidden fees and instant decisions for qualified applicants.

WHAT OUR CUSTOMERS SAY

“Got $500K coverage with no exam. Approved in 10 minutes. Peace of mind for my family at $26/month.”

David R. — Saved $1,800 vs traditional policy

“I kept putting off life insurance because I dreaded the medical exam. This was so easy — done during my lunch break.”

Michelle T. — $750K coverage

Frequently Asked Questions

What’s the difference between landlord insurance and homeowners insurance? Landlord insurance (DP3) is specifically designed for rental properties. It includes coverage for lost rental income and protects against tenant-related risks that homeowners policies don’t cover.

How much does landlord insurance cost? Landlord insurance typically costs 15-25% more than a standard homeowners policy due to increased rental risks. The national average is around $1,516 per year, or $67-$127 per month depending on location, property type, and coverage level.

Do I need landlord insurance if my tenant has renters insurance? Yes. Renters insurance only covers your tenant’s personal belongings. As the property owner, you need landlord insurance to protect the building structure, your liability, and lost rental income.

What factors affect landlord insurance rates? Key factors include property location (high-crime or disaster-prone areas cost more), property type (multi-unit costs more than single-family), property value, tenant type, claims history, and the coverage limits you choose.

Can I get landlord insurance without a property inspection? Yes. Many insurers rely on publicly available data and your application details to issue a policy. However, high-value properties or high coverage limits may require an inspection.

Does landlord insurance cover tenant damage? Landlord insurance covers accidental damage from covered perils like fire or water. It typically does not cover intentional tenant damage unless you purchase additional coverage. Security deposits and tenant screening help mitigate this risk.

Is landlord insurance tax deductible?
Yes. Landlord insurance premiums are generally tax-deductible as a business expense for rental property owners. Consult a tax professional for your specific situation.

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