Guide
No-exam life insurance
Which candidates qualify, the steps in the process, and what shortcuts some policies provide.
Many companies now offer expedited underwriting procedures that can deliver quotes and approvals faster for appropriate applicants.
What it changes
Skipping a full exam does not eliminate underwriting. Your health responses and medical records are still examined carefully.
Who tends to qualify
Many younger people, usually in their 50s or below, seeking modest coverage amounts may bypass formal medical exams. Ask your quote for specific requirements.
When a medical exam is necessary, expect 20 to 30 minutes in an office or your home. A technician checks vital signs and may draw blood or urine samples.