How no-exam underwriting actually works in Texas
Texas is home to Globe Life's headquarters, giving residents direct access to the largest direct-mail life insurer in the country. The state has no premium tax cap, so rates vary widely between carriers.
Accelerated underwriting (AU) is the formal name for "no medical exam." The carrier pulls four data sources electronically: your prescription history (Milliman IntelliScript or ScriptCheck), the MIB (industry-shared application database), your motor-vehicle record, and — increasingly — your electronic health records via partners like Human API.
In Texas, every major carrier with a state filing offers an AU track. Approval rates run roughly 55–70% for ages 20–50 and drop to 30–45% for ages 51–60.
Top AU programs approved in TX
These five programs currently issue the largest face amounts with no exam to Texas residents:
- Globe Life (McKinney, TX) — competitive TX-specific rates
- Banner Life "AU Express" — up to $2M no-exam, ages 20–60
- Pacific Life "Pacific Elite Term" — up to $3M no-exam for top risks
- Protective "Velocity" — fastest decision time (often <24 hrs)
- Mutual of Omaha "Term Life Express" — strong for ages 50–60, lower face caps
Realistic Texas no-exam pricing
A 35-year-old non-smoking Texas resident qualifying for Preferred Plus on an AU $500K 20-year policy pays approximately $26/month. The same applicant paying for a traditional fully-underwritten policy would pay roughly $1–3 less — the AU "convenience premium" is small.
A 55-year-old TX non-smoker with $250K 10-year coverage averages $38/month on AU. If you cannot qualify for AU, simplified-issue programs from Mutual of Omaha and AIG Direct still bypass the exam but with smaller face amounts and slightly higher rates.