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

Yes. Several options exist for obtaining life insurance in Nevada without a traditional paramedical exam. The trade-off is typically higher premiums or lower coverage limits compared to fully underwritten policies.

Simplified issue policies skip the exam but ask a series of health questions. The carrier may also check prescription databases, the Medical Information Bureau (MIB) report, and motor vehicle records. Approval is faster—often within 24 to 72 hours—and available for coverage amounts typically up to $500,000, depending on the carrier.

Guaranteed issue policies ask no health questions at all. Anyone within the eligible age range is accepted. These products are primarily final expense insurance for seniors aged 50–85 with coverage limits of $2,000–$50,000. Premiums are the highest per dollar of coverage, and most include a graded death benefit for the first two to three years.

Accelerated underwriting uses electronic data sources—prescription history, MIB records, credit-based insurance scores, and motor vehicle records—to underwrite applicants algorithmically. Healthier applicants in the right age and coverage range may qualify for full coverage amounts (up to $3 million at some carriers) without an exam.

No-exam options have expanded significantly, and some carriers offer very competitive rates for healthy applicants without a physical. Agents in our network can identify which carriers' accelerated programs are most favorable for your age, health profile, and coverage amount.