Guide
No-exam life insurance
Who is suitable for speedy underwriting, how the process works, and what the options are if it is not possible.
A growing number of carriers offer rapid underwriting: for candidates within specific ages and amounts, they decide based on the submitted form, prescription history, driving history, and similar information rather than a physical exam. Many determinations take just a single day. Each quote here indicates whether an exam is required, probably required, or not necessary for that offering.
What it changes
Omitting the exam is not the same as omitting underwriting. Responses you provide go through verification, and a policy written on false information can be denied during the initial two years. If the carrier's investigation raises concerns, you may still be requested for an exam or laboratory tests; you determine whether to move forward.
Who tends to qualify
Frequently, candidates under roughly age 60 seeking protection below the carrier's accelerated cap, with unremarkable medical history and no tobacco in roughly the previous year. Should you have recent medical records with blood work, some carriers will substitute those for an exam.
When an assessment is necessary, it is normally a 20- to 30-minute appointment with a paramedic at your residence or workplace in the Claremont region, free of charge. For individuals in good condition, having an exam frequently results in a better price classification, making it potentially beneficial.