These insurance products require no medical exam and no medical questions are asked. The premiums are higher than No Medical Exam and have limited benefits. Most are deferred plans meaning you are not covered for the first two years, unless you die from an accidental death on most policies. Most insurers would also return all premiums with interest determined by each insurer to the beneficiary if death occurs within the first two years.

This coverage is usually limited to a maximum of $25,000 of coverage. Final Expense Life Insurance, Senior Life Insurance all fall under No Medical Life Insurance products.