Guide
No-exam life insurance
Explanation of who qualifies for rapid decisions, why it happens, and what happens if you don't.
Modern carriers often use rapid underwriting: for people within certain age and coverage limits, they decide based on your answers, prescription records, driving history and other data, often without a medical visit. Some give answers within hours. Each quote on this tool shows whether an exam is required, might be required, or is not required.
What it changes
Skipping an exam is different from skipping underwriting. The carrier verifies your application details, and if the application was wrong, the company can contest it in the first two years. If the carrier's records show something worth investigating, it may ask for an exam or labs anyway; you choose whether to proceed.
Who tends to qualify
Usually, applicants under about 60 who request coverage amounts within the carrier's rapid-decision limits, with clear health history and no tobacco use in the past year or longer, may qualify. If you had recent exams at your doctor's office with lab results, some carriers will accept those instead of ordering new tests.
An exam, if needed, is commonly a 20- to 30-minute appointment with a paramedical nurse at your home or office in the Huntington Park area, at no charge to you. Exam findings sometimes lead to a better rate for people in good health, so it is not necessarily bad news.