GetFastRates.com
No-Medical-Exam Life Insurance Quote
Some life insurance policies skip the medical exam in exchange for health questions instead -- generally faster approval, sometimes at a different price or coverage limit than exam-based policies.
Is this right for you?
- You want faster approval without scheduling a medical exam
- You're comparing this against traditional fully-underwritten policies
- You understand coverage amounts may be more limited than exam-based options
Your options
Health questionnaire only, no exam -- faster, moderate coverage amounts.
Uses data sources instead of an exam for some applicants -- can be fast, not guaranteed for everyone.
No health questions, but typically smaller coverage and a waiting period -- worth comparing to simplified issue.
Common questions
Is no-exam life insurance more expensive?
It can be, depending on the type and your health profile -- an agent can compare actual quotes against exam-based options for your situation.
How much coverage can I get without an exam?
Generally lower maximum coverage amounts than fully underwritten policies -- exact limits vary by carrier and product.
How fast is approval without an exam?
Often much faster than traditional underwriting -- sometimes same-day for simplified or accelerated products, though this varies by carrier.
Questions are easier by phone.
Call 855-367-1095 to talk through your situation with licensed insurance help.
- Licensed insurance help
- No guaranteed eligibility, pricing, or availability
- Educational starting point
Information on this site is educational and does not guarantee eligibility, enrollment, pricing, or availability. It is not a recommendation to buy any specific plan or policy.