Guide
No-exam life insurance
Who qualifies for expedited underwriting, the process, and the steps if you do not.
Numerous carriers now use expedited underwriting: for applicants within age and amount windows, they decide from the application, medicine records, driving history and other information without a physical exam. Many decisions arrive within hours. This site's quotes show whether an exam is required, possibly required, or not required for each policy.
What it changes
Omitting the exam does not skip underwriting. The company verifies answers, and a policy based on wrong information is challengeable in the initial two years. If the carrier's investigation raises concerns, it can request an exam or blood tests; you decide then whether to go ahead.
Who tends to qualify
Usually people under approximately 60 applying for amounts below the carrier's accelerated underwriting cap, with no serious health issues and who have not used tobacco for at least a year. Some carriers will use current blood work from a recent doctor visit instead of a fresh exam.
When an exam is needed, expect a 20- to 30-minute session in your Santa Clarita location—at home or your workplace—with a paramedical specialist, with no cost to you. Strong results can improve your rate classification, which means an exam may actually help your rate.