How to Get Life Insurance Without a Medical Exam in Texas

(Fast, simple coverage—no needles, no waiting rooms)

Think getting life insurance in Texas means needles, lab work, and a long process? Not anymore.

Many Texans are choosing no-exam life insurance—a faster, easier way to get covered without a medical exam, lab tests, or in-person appointments.

Whether you’re self-employed in Dallas, a busy parent in Lubbock, or just don’t want to deal with a doctor’s visit, this guide will show you exactly how to get life insurance in Texas without the hassle.

What Is No-Exam Life Insurance?

No-exam life insurance (also called simplified issue or accelerated underwriting) lets you apply for coverage without completing a physical.

Instead of lab work, insurance companies use:

• Your application answers
• Prescription history
• Medical records
• Public databases (like the MIB or pharmacy checks)

If everything checks out, you can often be approved in days—or even hours.

Types of No-Exam Life Insurance Available in Texas

✅ Simplified Issue Term Life Insurance

This is the most popular option for healthy Texans who want fast, affordable protection. You can get coverage from $50,000 to $1 million+, depending on age and health.

Best for:

• People aged 18–60
• Those in relatively good health
• Texans who want 10–30 years of coverage

Carriers offering this in Texas often approve qualified applicants in 1–3 days—with no doctor visit required.

✅ Final Expense (Burial) Insurance

Designed for older adults (usually 50–80), this policy covers $10,000–$50,000 to handle funeral costs and small debts. No exam required, and acceptance is easier—even with health issues.

Best for:

• Seniors in Texas who don’t want to burden their family
• People with health issues who’ve been declined elsewhere
• Anyone wanting lifetime coverage for end-of-life expenses

✅ Accelerated Underwriting

Some top-rated insurers offer full coverage amounts (like $500,000 or more) using a tech-driven approval process—no physicals needed, just electronic records.

Best for:

• Healthy Texans looking for fast approval
• Younger applicants with clean health records
• People who want high coverage without waiting weeks

Real Texas Example: Busy Realtor in Austin

Lauren, 33, is a self-employed real estate agent in Austin. Between showings and contracts, she doesn’t have time to schedule a medical exam.

She applies for a $500,000, 30-year no-exam term life policy and gets approved within 24 hours—all online.

Monthly cost? Just $28.
Time spent? Less than 15 minutes.

No bloodwork. No stress. No delay.

Common Questions About No-Exam Life Insurance in Texas

How much coverage can I get?

Most simplified issue term policies offer up to $1 million or more—depending on your age and health.

Is it more expensive than regular life insurance?

Not always. If you’re healthy, the price difference is minimal—and the time savings make it worth it for many Texans.

What if I have health issues?

You can still qualify—especially for final expense or guaranteed issue policies. Even with diabetes, high blood pressure, or anxiety, many carriers offer no-exam options in Texas.

What Companies Offer No-Exam Policies in Texas?

I work with multiple carriers that provide simplified and no-exam life insurance in Texas, including:

• Mutual of Omaha
• SBLI
• American-Amicable (based in Waco, TX)
• Foresters Financial
• Ethos
• Transamerica
• National Life Group

Each company has different approval rules, so it’s smart to work with an agent who can match you with the one most likely to say “yes.”

Who Should Consider No-Exam Life Insurance?

✔ Busy professionals who don’t want to deal with appointments
✔ Parents who need coverage now
✔ Self-employed Texans without job-based benefits
✔ Seniors looking for simple, no-hassle final expense coverage
✔ Anyone who’s been putting it off because it “seems like too much work”

Final Word

Getting life insurance in Texas doesn’t have to involve labs, needles, or waiting weeks for approval. Whether you want to protect your family, your mortgage, or your peace of mind—no-exam life insurance makes it fast and simple.

If you’ve been meaning to get covered but keep putting it off… this is your sign.

I help Texans every day get fast, no-exam life insurance quotes—and many are covered within 24–48 hours.