What is the best life insurance without a medical exam?

There is no single best no-exam policy; the right type depends on your age and health. Accelerated underwriting suits younger, healthier applicants and can approve high coverage quickly at premiums close to fully underwritten term. Simplified issue adds a health questionnaire and carries moderate coverage limits. Guaranteed issue, for older applicants or those with health problems, asks no health questions but costs the most, carries the smallest limits, and often includes a graded death benefit in the first years.