Can I get life insurance without a medical exam in Nevada?

Yes. Several types of no-examination life insurance are widely available in Nevada, offering varying combinations of convenience, coverage amount, and premium cost.

Accelerated underwriting uses data analytics, prescription database checks, MIB records, and driving records to approve coverage without a traditional medical exam. Coverage amounts can reach $1,000,000 or more for qualifying applicants, with decisions often within 24–48 hours. Premiums are comparable to traditionally underwritten policies for healthy applicants.

Simplified issue policies ask a handful of health questions but require no physical exam. Face amounts typically range from $25,000 to $500,000. Underwriting is less rigorous, making these accessible for people with moderate health concerns.

Guaranteed issue policies accept all applicants with no health questions whatsoever. Face amounts are typically $5,000–$25,000, and premiums are higher per dollar of coverage. There is usually a two-year graded benefit period.

For healthy Nevada applicants under 50, accelerated underwriting often provides the best value—full coverage amounts at standard rates without the inconvenience of a medical exam. Older applicants or those with health considerations may find simplified or guaranteed issue more appropriate.

Agents in our network work with multiple carriers offering no-exam options and can match you with the most appropriate product based on your age, health, and coverage needs.