If the idea of scheduling a paramed exam is keeping you from buying life insurance, you're not alone — and you have options. No-medical-exam policies have come a long way in the last decade.
How no-exam underwriting works
Instead of bloodwork, the insurer pulls your prescription history, MIB records, motor vehicle reports, and sometimes credit data. The result is usually a decision in minutes to days instead of weeks.
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What it costs
For healthy applicants under 50, no-exam policies typically cost 10–25% more than fully-underwritten coverage. That premium is often worth paying for the speed and convenience — especially if you need coverage in force before closing on a new home.