A service-connected condition, a VA disability rating, or just a busy schedule shouldn't stand between your family and coverage. No-exam life insurance uses a health questionnaire and available records instead of a paramedical exam, and many veterans qualify.
How no-exam coverage works
- Simplified issue. You answer health questions on the application; no blood draw or physical required. Approval can come back in days.
- Guaranteed issue. No health questions at all, aimed at older applicants or those with significant health history. Coverage amounts are typically smaller and may include a graded death benefit in the early years.
- Instant decision products. Some carriers use data sources and algorithms to issue a decision in minutes for qualifying applicants.
Does a VA disability rating affect eligibility?
Not automatically. A disability rating reflects service-connected impairment for VA benefit purposes — it isn't the same as an insurance health rating. Many veterans with a rating, including PTSD, hearing loss, or musculoskeletal conditions, still qualify for simplified-issue coverage. The details of your specific condition matter more than the rating percentage itself.
Who tends to be a good fit for no-exam coverage
- Veterans who want coverage in place quickly, without scheduling an exam
- Those with a service-connected condition who are worried about being declined elsewhere
- Anyone replacing VGLI who wants a faster path to a level-rate private policy
- Families wanting a smaller final expense policy with fast, simple approval
Illustrative only
Premiums referenced anywhere on this site are illustrative only, not a quote. Actual pricing depends on age, health, coverage amount, and the carrier you're matched with.
Getting a real answer
The only way to know what you qualify for is to ask. A licensed agent can walk through a short questionnaire and match you to an A+ rated carrier suited to your situation — no exam, no guesswork. Compare structures first with our SGLI-to-VGLI gap guide, or start on the veteran coverage page.
Frequently Asked Questions
Can veterans with a VA disability rating get life insurance without an exam?
Often yes. A disability rating alone doesn't disqualify you from simplified-issue coverage; the specific condition and its details matter more than the rating percentage.
What's the difference between simplified issue and guaranteed issue?
Simplified issue asks health questions but skips the medical exam. Guaranteed issue skips health questions entirely but usually offers smaller coverage amounts and may include a graded benefit period.
How fast can I get approved for no-exam coverage?
Many simplified-issue and instant-decision products return a decision within days, sometimes minutes, compared to weeks for fully underwritten policies.
Will PTSD or a service-connected injury disqualify me?
Not automatically. Many veterans with PTSD, hearing loss, or musculoskeletal service-connected conditions still qualify for no-exam coverage; a licensed agent can review your specific situation.
Check what you qualify for
No exam, no obligation, just a straight answer from a licensed agent.
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