How much does term life insurance without a medical exam cost?

No-exam term life generally prices close to a medically underwritten policy, because insurers still review health questions and third-party data such as prescription records. Sample insurer data from August 2026 shows a 30-year-old female non-smoker paying about $17 a month for a 20-year no-exam term policy, with rates rising by age, term length, and coverage amount. Most policies carry a two-year contestability period.