No-exam life insurance
The short answer
Many healthy people under 60 can get coverage without a medical exam. Carriers use prescription and medical records instead. Decisions can take minutes.
Who qualifies
No-exam options are usually open to people with simple health histories who want up to about $1 million in coverage.
Is it more expensive?
Often not. Fully underwritten no-exam policies are priced the same as exam policies for people who qualify.
General information, not insurance, tax, or legal advice. Coverage subject to underwriting approval.