Life Insurance
Can I get life insurance without a medical exam?
Yes. Simplified Issue: health questions but no exam — up to $500,000+ available. Guaranteed Issue: no questions, no exam — up to $25,000, for final expense. Accelerated underwriting: data-driven approval up to $1M+ without exam. No-exam policies typically cost 10–30% more but approval is often within 24–48 hours.
Key Points
- Simplified Issue: health questions but no exam — up to $500,000+ available
- Guaranteed Issue: no questions, no exam — up to $25,000, for final expense
- Accelerated underwriting: data-driven approval up to $1M+ without exam
- No-exam policies typically cost 10–30% more than fully underwritten
- Approval often within 24–48 hours vs 4–6 weeks for traditional underwriting
- People with certain health conditions may find no-exam easier to qualify for