Guide
No-exam life insurance
Details on who is eligible for quick-issue underwriting, the process, and what happens when you don't qualify.
Numerous insurers offer quick-issue underwriting: for eligible applicants in certain age brackets and coverage limits, they approve using your answers, medication history, driving background and comparable data without a medical check. Approvals sometimes happen within hours. Every quote on this site indicates whether an exam is required, conditional or unnecessary for that plan.
What it changes
Skipping the exam still means underwriting occurs. Your answers are verified, and if a policy is issued with inaccurate information, the insurer can question it within the first 24 months. Should the carrier's investigation uncover something, you might still be asked for an exam or lab results; that's when you determine whether to move ahead.
Who tends to qualify
Applicants commonly under age 60, buying amounts within the carrier's fast-track limit, with no serious medical background and zero tobacco usage in the past year or longer qualify. If you recently had medical care including lab work, select carriers will accept those results instead.
If an exam is necessary, it usually requires 20 to 30 minutes with a medical professional at a place of your selection in the Lincoln area, with zero cost. For many applicants, test results can move you to a better rate tier, making an exam potentially advantageous rather than burdensome.