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No Medical Exam Life Insurance
Whether you have health concerns, have been denied coverage in the past or are just hoping to avoid the exam, there are a number of life insurance policies that do not require a medical exam as part of the application process.
Typically, to obtain traditional life insurance, you not only have to complete an application, but are required to complete a 30-minute physical to better determine your health and risk. Although the actual physical is quick and easy, the process following—exam results shared with the insurance company, an underwriter reviewing and sending you an updated policy—can take anywhere from 4-8 weeks after you first speak with an agent. This wait time could be enough for you to find an alternative to traditional insurance, but it’s important to keep in mind that the insurance companies might rely on other information in its absence, such as a:
- Pharmacy Report
- Medical Insurance Bureau Report
- Credit or Financial History
- Motor Vehicle Department Report
Three Types of No Medical Exam Life Insurance
1. Accelerated Underwriting
Accelerated underwriting is a fast track to traditional life insurance, with the biggest difference being the amount of coverage available. Without the opportunity to determine your risk through an exam, you’ll likely find lower coverage amount options with accelerated underwriting. If the insurance company notices any irregularities in your application, they could end up asking you to take a medical exam.
2. Simplified Issue Whole Life Insurance
Simplified issue life insurance replaces the medical exam with a questionnaire that asks for more information about your medical history, health and lifestyle.
3. Guaranteed Issue Whole Life Insurance
Guaranteed issue life insurance does not require a medical exam or a questionnaire and, as the name implies, is guaranteed. This type of coverage relies solely on a basic application and you can’t be turned down for coverage if you’re between the age of 45-85.
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