No Medical Exam Life Insurance in New Zealand
Get life insurance without blood tests, doctor visits, or medical exams. Instant approval, fast coverage, and simple online application. Compare no-exam policies from top NZ insurers.
Get Instant Approval QuoteTypes of No Medical Exam Life Insurance in NZ
Simplified Issue
Answer basic health questions online, no medical exam required. Approval in 24-48 hours.
Best For:
- • Healthy people who want fast approval
- • Those who don't want medical exams
- • Coverage needed within days
- • Minor health issues (well-controlled)
Guaranteed Acceptance
No health questions. Everyone approved. Instant coverage - even with serious health conditions.
Best For:
- • Serious pre-existing conditions
- • Previously declined for insurance
- • Over 50s with health issues
- • Funeral cost coverage
Simplified Issue vs Guaranteed Acceptance vs Traditional
| Feature | Traditional Policy | Simplified Issue | Guaranteed Acceptance |
|---|---|---|---|
| Medical Exam | ✓ Required | ✗ None | ✗ None |
| Health Questions | ✓ Extensive | ✓ Basic (5-15 questions) | ✗ None |
| Approval Time | 2-6 weeks | 24-48 hours | Instant |
| Coverage Limits | $100k - $10M+ | $100k - $500k | $10k - $50k |
| Age Range | 18-70 | 18-65 | 50-85 |
| Premium Cost | Lowest | +30-50% | +100-200% |
| Waiting Period | None (full coverage) | None (full coverage) | 2 years (illness) |
| Can Be Declined? | Yes | Yes | No - 100% approved |
How Much Does No Medical Exam Life Insurance Cost?
Pricing Examples (November 2025)
Healthy 30-year-old, $500k coverage
Non-smoker, no health issues
Traditional
$45/month
Simplified Issue
$60/month
+33%
Guaranteed (N/A)
Too young
40-year-old with diabetes, $300k coverage
Well-controlled Type 2, non-smoker
Traditional
$95/month
With loading
Simplified Issue
$140/month
+47%
Guaranteed (N/A)
Too young
60-year-old with heart disease, $30k coverage
Previous heart attack, multiple conditions
Traditional
Likely declined
Simplified Issue
Likely declined
Guaranteed
$85/month
100% approved
Understanding Waiting Periods
Guaranteed Acceptance Waiting Periods
Because guaranteed acceptance policies don't ask health questions, they include waiting periods to prevent adverse selection:
Death by Accident
No waiting period. Full death benefit paid immediately if death is accidental (car accident, fall, etc.).
Death by Illness (Within 2 Years)
Premiums returned only. If you die from illness in the first 2 years, beneficiaries receive only the premiums you paid (plus interest).
Death by Illness (After 2 Years)
Full death benefit paid. After 2 years, full coverage applies regardless of cause of death (except suicide in some policies).
How to Apply for No Medical Exam Life Insurance
Choose Your Coverage Amount
Determine how much coverage you need. Simplified issue allows up to $500k, guaranteed acceptance offers $10k-$50k (enough for funeral costs and final expenses).
Answer Basic Questions (If Required)
For simplified issue, answer 5-15 health questions online (e.g., "Have you been diagnosed with cancer?", "Do you smoke?"). Guaranteed acceptance requires no questions.
Get Instant or Fast Approval
Guaranteed acceptance: Approved instantly. Simplified issue: Decision within 24-48 hours via email. No medical exams, blood tests, or doctor visits required.
Start Your Coverage
Sign documents electronically, set up payment (monthly or annual), and your coverage begins. You'll receive your policy documents via email within days.
Frequently Asked Questions
Should I get no medical exam insurance if I'm healthy?
If you're healthy and can wait 2-4 weeks for approval, traditional life insurance with a medical exam offers better value (30-50% cheaper). However, if you need coverage immediately, have mild health issues, or strongly dislike medical exams, simplified issue is a good alternative. The convenience may be worth the extra cost.
What health questions do simplified issue policies ask?
Typical questions include: Have you been diagnosed with cancer, heart disease, stroke, or diabetes? Have you been hospitalized in the past 2 years? Do you smoke or use tobacco? Have you been declined for life insurance? Do you have any terminal illnesses? Most policies ask 5-15 questions focused on serious conditions only.
Can I be declined for simplified issue insurance?
Yes. If you answer "yes" to certain health questions (e.g., recent cancer diagnosis, heart attack, terminal illness), you may be declined. However, standards are more lenient than traditional policies. If declined, you can apply for guaranteed acceptance insurance which never declines anyone.
Is guaranteed acceptance insurance worth the cost?
It depends on your situation. If you have serious health issues, have been declined elsewhere, or are over 60 with multiple conditions, guaranteed acceptance may be your only option. The high premiums reflect the risk insurers take by not screening applicants. For funeral costs and final expenses ($20k-$30k), it provides peace of mind.
Can I convert my no-exam policy to a traditional policy later?
Some insurers allow conversion within the first 1-2 years. If your health improves or you're willing to do a medical exam, you may switch to a traditional policy with lower premiums. Check your policy's conversion options and contact your insurer to discuss.
How much coverage should I get with guaranteed acceptance?
Most people use guaranteed acceptance for funeral costs ($15k-$25k in NZ) plus final expenses like outstanding bills and medical costs ($10k-$20k). Total recommended: $25k-$45k. Coverage limits are usually $10k-$50k, which is sufficient for these purposes.
Get Life Insurance Today - No Medical Exam Required
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