Guide
No-exam life insurance
Who becomes eligible for fast underwriting, the process it follows, and the alternatives if you don't qualify.
A lot of carriers have introduced fast underwriting: within age and benefit brackets they specify, companies evaluate you using the application form, your medication records, motor vehicle history and other background information instead of ordering a paramedical visit. Some answers come back on the same business day. Every quote here indicates whether an exam is required, possibly required, or not necessary.
What it changes
Omitting an exam does not sidestep underwriting. The insurer will verify your statements, and any policy issued based on untrue statements is contestable during the first two-year period. If the carrier's investigation creates doubts, it can still require an exam or blood tests. You retain the right to back out at that point.
Who tends to qualify
Most candidates younger than about 60, seeking benefits within the carrier's no-exam threshold, with no significant prior medical problems and no use of tobacco in the past year or longer. Some companies will accept recent bloodwork from a doctor's appointment in place of a new exam.
Should you require an exam, expect a 20–30 minute meeting with a paramedic or nurse, scheduled at a location convenient to you in the Rosemead area, at no expense to you. In many cases, exam results actually upgrade your rate classification if you're in good health, so the exam is often advantageous rather than problematic.