Life Insurance FAQ
Can I get life insurance without a medical exam?
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The short answer
Yes. Many insurers offer no-medical-exam life insurance that approves you from a health questionnaire instead of a physical exam, often in days. Limits are typically lower and rates can be slightly higher than fully underwritten policies.
How no-exam policies work
No-exam life insurance skips the blood and urine test and medical records review. Instead, the carrier underwrites from your answers to a health questionnaire, pulling from databases like prescription records where available.
For healthy applicants, this can mean coverage in days rather than weeks, often at nearly the same rate as a full exam policy.
The trade-offs
No-exam coverage is generally offered in lower amounts, often up to $250,000 to $500,000, and the pricing can be higher because the carrier assumes more risk without the exam. Higher face amounts usually require full underwriting.
Who it suits best
No-exam policies are ideal if you want coverage quickly, prefer to skip the physical, or have a mild health history that still allows approval. They are especially popular for seniors seeking final expense coverage.
Related questions
Is no-medical-exam life insurance more expensive?
It can be, because the carrier takes on more risk without a physical exam. For healthy applicants the difference is often small, but a fully underwritten policy usually gives the lowest rate at high coverage amounts.
How fast can I get no-exam coverage?
Many no-exam policies are approved in days rather than weeks, and some are issued on the spot or within 24 hours. Instant-issue coverage is available for qualifying applicants.
What questions do they ask without an exam?
The health questionnaire typically covers age, tobacco use, height and weight, and major medical conditions. Carriers may also check prescription and medical records to verify your answers.
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