Best Life Insurance for Seniors Without Medical Exams in 2026

AARP offers simplified issue and guaranteed issue life insurance plans. AARP offers term life insurance policies without medical exams for people under 80. To qualify for AARP's life insurance, you'll pay an annual fee (starting at $15 for the first year) to become an AARP member. As a bonus, fee-paying AARP members get access to some of the best financial and life-planning resources for older adults.

Age is usually not a barrier to entry with AARP. They only offer their services to people ages 50 or older. The simplified and guaranteed issue whole life insurance plans are available to seniors up to 80 years old.

» Learn More: The best whole life insurance plans for seniors in 2026

Plans, Pricing, and Benefits

Highlights

• None of AARP’s life insurance plans require medical exams
• Whole life premiums never increase
• Benefits for term life up to $150,000

If you want flexibility to customize your policy and benefits without going to the doctor, AARP is probably your best option. AARP offers four flexible, affordable plans — Term Life, Permanent Life (whole life), Permanent Life with Living Benefits, and Guaranteed Acceptance — all with no medical exams.

AARP's term life plan automatically expires when you turn 80 (though it can be converted into a whole life plan before it expires). However, you'll get access to benefits ranging from $10,000 to $150,000.

While AARP's term life plan doesn't require a medical exam, you will have to answer some health questions to ensure eligibility, like comparable plans from Fidelity Life and Globe Life. Rates start lower with term life policies, but increase over time.

Both of AARP's Permanent Life plans are whole life policies with no expiration date. The standard Permanent Life is available in all 50 states. The Permanent Life with Living Benefits plan, which offers up to half of the benefit amount if chronic care is required during your lifetime, is only available in select states.

The standard whole life plan has a $50,000 maximum benefit, while the Living Benefits alternative has a $100,000 maximum. Like the term life plan, both Permanent Life plans only require applicants to answer a few health questions. Unlike the term life plan, Permanent Life premiums are locked for life.

The Guaranteed Issue plan requires no health questions to be accepted, but comes with a $25,000 maximum benefit, similar to the no-exam plans from Mutual of Omaha. The premium and benefits are guaranteed for life, but benefits are limited during the first two years.

To give you an idea of costs, we got quotes for 65-year-old, nonsmoking applicants (male and female) based in Miami, Florida. Here are the results (as of November 2025):

Customer Testimonials

Like Mutual of Omaha, AARP's life insurance via New York Life is frequently praised for customer service and fast payouts, but criticized for lack of clarity on certain policy stipulations.

For example, a 96-year-old woman in Illinois wanted to cash out her $5,000 life insurance policy to help pay for medical care. Despite having paid $8,803.00 in premiums, AARP would only pay her $4,417.00.

Many policyholders have reported positive experiences with AARP's life insurance plans. For example, an older man in Iowa passed away and missed his final premium as a result. Despite the missed payment, AARP honored it and paid out the benefit to his beneficiary, which helped the family cover final expenses. An older woman in North Carolina praised AARP for skipping medical exams and accepting applicants with preexisting conditions.

Globe Life is a life insurance company famous for their “$1 for $100,000 benefit” promotion. While this promotion only applies to the first month, it has helped boost the popularity of this dependable carrier available in 49 states.

Globe Life offers term, whole, and final expense plans, none of which require a medical exam. As long as you haven't reached your 75th birthday and you qualify based on a few medical questions, you can get a Globe Life plan.

» Learn More: The best term life insurance for seniors in 2025

Plans, Pricing, and Benefits

Highlights

• Depending on your state, term life plans expire when you turn either 80 or 90 years old
• The “$1 for life insurance” only applies to the first month’s premium
• Death benefits are high and can be increased with accidental death riders

Term life insurance is one of Globe Life's most popular products. You can get a quote online and choose benefits ranging from $5,000 to $100,000. These term plans expire at a specific age — 80 or 90, depending on your location.

This makes term life a good choice for adults under 70 who want coverage that will last at least a decade or two. Even if you're closing in on 75, you can start with a term life plan and convert it to whole life or final expense before it expires.

Whole life and final expense are more complicated because you have to apply by mail, making it difficult to get a quote. Globe Life doesn't publish benefit amounts for their final expense plans, but whole life benefits range from $5,000 to $50,000. You can also add an accidental death rider benefit, increasing the benefit amount on a whole life plan by as much as $100,000.

Even if you ignore the $1 promotion, Globe Life's premiums are competitive and lower than most other carriers, including AARP and Fidelity Life. We researched average quotes for 65-year-old applicants in Miami (November 2025):

Keep in mind that while these prices are competitive (especially with the $1 first-month promotion), Globe Life implements automatic premium hikes every five years. This isn't as good as AARP or TruStage, which offer plans that guarantee the same premium for life.

We could also add an accidental death benefit to our Globe Life plan:

Customer Testimonials

We read through many reviews and found that most Globe Life policyholders are happy with their plans, but not always with Globe Life's customer support. An older woman in California waited 20 minutes to get a customer representative on the line, only to be put on hold and met with rude responses.

A woman in New Jersey wrote that it took Globe Life five months from her husband's death to process the claim and issue a check. Despite the back-and-forth, she was ultimately happy that the benefit was paid in full.

Many reviewers like how easy it is to get a plan without a medical exam. Some reviewers also appreciate the variety of payment options. An older man in New Jersey found that it was easy to apply for a new policy, and he liked that he could choose to pay monthly, every six months, or once per year.

» Learn More: Everything you need to know about insurance for seniors

TruStage is similar to Mutual of Omaha, as they're a financial services company with a wide range of products, including life insurance. TruStage is an insurance broker: it does not write its own policies, but works with a portfolio of insurance partners.

Plans, Pricing, and Benefits

Highlights

• Term life, whole life, and guaranteed acceptance plans don’t require medical exams
• Simple and fast process for getting quotes online
• As an insurance broker, TruStage offers higher coverage than insurance carriers like Globe Life and Fidelity Life

While TruStage may not win our top spot for the most affordable life insurance, they do a great job of keeping things simple and straightforward. There are three plans to choose from: whole life, term life, and guaranteed acceptance.

None require a medical exam, and guaranteed acceptance doesn't require health questions. It's easy to finish the entire process online, which is great compared to carriers like Globe Life, which only lets older adults apply for whole life insurance by mail.

TruStage offers term life insurance policies that last until the policyholder turns 80. This may not be ideal for seniors already approaching 80, but you can start with a term policy and convert it to whole life or final expense before it expires, like you can with comparable AARP or Globe Life plans.

To help compare prices, we researched quotes for 65-year-old applicants in Miami. Here are options at lower, medium, and high price points for female applicants (as of November 2025):

Here are the results we got for male applicants in Miami:

Customer Testimonials

Many reviews commend TruStage for offering various plans without medical exams and for not increasing prices too often. Seniors who want more time to plan for premium hikes should consider TruStage.

However, not all reviews for TruStage are positive. Many reviewers have complained about the lack of online systems, particularly for payments. Since TruStage offers insurance through different carriers, some policyholders have to pay their premiums by check through snail mail. Some policyholders have complained that getting TruStage to finalize a claim request can be frustrating and time-consuming.

Mutual of Omaha is a large financial services company available in all 50 states. Known for competitive pricing and high age limits, Mutual of Omaha is a great option for seniors who don't want an extra trip to the doctor's office. The company offers whole life insurance plans with benefits ranging from $2,000 to $25,000.

Though these are primarily designed as final benefit plans and the benefit amounts can't compete with TruStage, Mutual of Omaha gives seniors up to age 85 (or 75 in New York) a way to get quality life insurance without a medical exam. Mutual of Omaha also offers term and universal life insurance plans, though these may require a medical exam for adults aged 45 and up.

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Plans, Pricing, and Benefits

Highlights

• Benefits up to $25,000 on whole life insurance plans without medical exams
• Applicants can customize their plan based on their budget and desired benefit
• Premiums are not as low as carriers like Globe Life and AARP

Though Mutual of Omaha offers three plan types (whole life, term life, and universal life), whole life insurance is the only one that doesn't require a medical exam. Whole life is also available to seniors up to age 85 in most states where Mutual of Omaha is offered. Plus, it's easy to customize your plan based on your budget and needs.

It's easy to find a life insurance plan on Mutual of Omaha's website. You just pick your age range and select the features you want, like no premium increases, type of plan, cash value withdrawals, and no medical exams.

As you pick different options (including age ranges), the available plans will change. For example, as soon as you choose “No Medical Exams,” you'll see that whole life insurance is your only option.

We researched premiums for male and female applicants seeking whole life insurance without medical exams in Miami, Florida. While you can choose from 24 different death benefits between $2,000 and $25,000 (in $1,000 increments), here's a snapshot of what to expect (November 2025):

Mutual of Omaha's prices aren't as competitive as Globe Life, but they make it easy to adjust the benefit amount until the premium fits your budget. Since the maximum benefit is $25,000, Mutual of Omaha is best suited for seniors who want a final expense plan or an affordable plan without medical exams.

Expert Insights

From Elizabeth Gavino, Life Insurance Expert, Strategist, and Educator, CMTA, CEPA, FNTP, LUTCF

There is a huge misunderstanding around whole life insurance policies for seniors. These policies are designed to pay a death benefit. They are not designed to pay back paid premiums. And accessing cash value can result in less than what was paid in because they were not designed to be heavy cash value accumulation vehicles. When consumers are not clear on that upfront, it can lead to frustration even when the policy is performing exactly as intended.

Customer Testimonials

While Mutual of Omaha generally gets positive feedback for their high age limits and plans without medical exams, some customers have felt misinformed about their policies. After reading dozens of reviews for people who bought whole life policies, we noticed a trend of people misreading the fine print related to withdrawing the full cash value of their plan.

An 89-year-old woman in North Carolina, for example, reported paying $8,360 on a whole life policy with a $5,000 death benefit. Even though the policy was nearly 30 years old at the time of the withdrawal request, Mutual of Omaha would only pay $4,000 because she was not old enough to qualify for the full amount. This meant the policyholder would get less than half of what they had already paid into it.

Many whole life insurance policyholders have been happy with Mutual of Omaha's care and service. Those who are well-informed about their policies typically praise the company for offering fast payouts and friendly customer service. For instance, a senior in Maryland was happy with how easy it was to acquire a new policy — everything was done after two emails and a brief phone call.

Based in Des Plaines, Illinois, Fidelity Life is a carrier that has been in business for over a century. It has strong financials and is trusted as a reputable insurance company. While some of their plans are designed for older adults who don't want a medical exam, they set a strict age limit on certain plans, ranging from 65 to 70.

This means older seniors may be better off with a carrier like AARP or Mutual of Omaha. Despite the low issue ages, Fidelity Life makes it easy for older adults between ages 50 and 70 to access life insurance with no medical exams, and often same-day approval and coverage.

Plans, Pricing, and Benefits

Highlights

• Offers same-day approval and coverage on the first day, even without a medical exam
• Eligible seniors can get the highest benefits with a 10-year term life plan
• Final expense plans are similar to Mutual of Omaha in both benefits and pricing

Similar to Mutual of Omaha's whole life plans, Fidelity Life's whole life plans for seniors are essentially low-benefit final expense policies. We checked out quotes for 65-year-old applicants in Miami. The first table shows quoted premiums for female applicants (November 2025):

Here are the quoted premiums for 65-year-old male applicants in Miami: 

The earlier you apply, the better your chance of qualifying for lower starting premiums and higher benefits. Unlike AARP and Mutual of Omaha, Fidelity Life limits most seniors to final expense plans.

For example, the maximum issue age for the RAPIDecision Life policy is 65, and the maximum issue age for the RAPIDecision Senior Life Term policy is 70. This can limit the types of plans older adults can access. That said, if you're still in your 60s and looking for a term or whole life plan, especially one that will cover final expenses, Fidelity Life offers competitive rates.

Customer Testimonials

Fidelity Life is among the best-reviewed insurance companies on this list. Policyholders and beneficiaries are consistently pleased with Fidelity Life's customer service team, their variety of policies, and the ability to get life insurance in as little as an hour without a medical exam.

However, there are some detractors. An older woman in Florida gave negative feedback, citing the long process for getting a death claim approved, even when she provided all the necessary paperwork. An older man in Texas liked the plans available, but due to his advanced age, the monthly prices were outside his budget.

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