Guaranteed Issue

Diabetes, heart disease, high blood pressure, cancer history, most people with pre-existing conditions can still get covered. Here's how carriers evaluate health and which ones are most favorable.

No medical exam life insurance can approve you in 24–72 hours. But not all carriers are equal. Here's an honest comparison of the best no-exam options in 2026 — and which one fits your situation.

Think you can't get life insurance because of health problems? Learn how people with pre-existing conditions can still qualify for coverage, including no-exam and guaranteed issue policies.

No medical exam. No health questions. Guaranteed approval. Learn how guaranteed issue life insurance works, who it's for, and how to get covered today even with serious health conditions.

Yes, you can get life insurance without a medical exam. Learn how no exam and simplified policies work.

Ethos approves 95% of applicants — often without a medical exam. See how Ethos whole life insurance works, what it costs, who it's best for, and how to get an instant quote today.