No Exam Life Insurance Online underwriting, read

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Reasons people look for no-exam cover

DiabetesType 1 and type 2, by A1cHeart and strokePost-event, by years elapsed

Cancer historyStage, treatment, remissionCOPD and respiratoryIncluding asthma and sleep apnea

HIVViral load and adherenceHigh cholesterolRatios and medication

Declined beforeWhat to do nextNo time for an examSpeed, not health, is the reason

New here

Every condition page follows the same shape: what underwriters ask, which numbers move the decision, and where the rate class usually lands.

How underwriting works

Policies that skip the medical exam

Accelerated underwritingFull term cover, no exam, best ratesSimplified issueHealth questions only, decision in days

Guaranteed issueNo health questions, graded benefitFinal expenseSmall whole life for burial costs

Group conversionKeep employer cover after leavingTerm vs whole lifeWhich one your situation calls for

How much you needIncome, debt and dependantsCarrier profilesWho underwrites what

Common mix-up

Guaranteed issue and simplified issue are not the same product. One asks nothing and pays nothing for two years; the other asks questions and pays from day one.

See the difference

Home/Category: HIV

Category: HIV

HIV

24 Aug 2026

HIV and life insurance: what changed, and when

The individual life market was effectively closed to HIV-positive applicants until Prudential reopened it in December 2015. The criteria published then still describe how the category is underwritten now.

When a carrier changes its manual, we rewrite the page

A short note when underwriting guidance shifts on a condition you're following. No sales sequence, and you can leave in one click.

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No Exam Life Insurance Online

Independent research on how life insurance underwriters treat health conditions. We publish what the manuals say, so you can apply where you'll actually be approved.

Reasons

Diabetes
Heart and stroke
Cancer history
COPD and respiratory
HIV
Declined before

Products

Accelerated underwriting
Simplified issue
Guaranteed issue
Final expense
Carrier profiles
Rate tables

No Exam Life Insurance Online is a publisher, not an insurance carrier or agency. Nothing on this site is an offer of insurance, a solicitation, or a recommendation to buy a specific policy. Rate classes, coverage ceilings and approval outcomes vary by carrier, by state, and by individual file.

Underwriting details are drawn from carriers' published guides and state filings, and are current as of the review date shown on each page. Guides change without notice. Confirm anything that matters with an agent licensed in your state before you apply.