What is the cheapest term life insurance without a medical exam?

No single policy is cheapest, but accelerated underwriting term is usually the least expensive no-exam option because it prices close to a traditionally underwritten term policy. Sample quotes from 2026 show a 30-year-old female non-smoker paying as little as about $17 per month for a large amount of 20-year no-exam term coverage, while simplified and guaranteed issue policies cost more per $1,000 of coverage and cap amounts far lower.