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Term Life Insurance

Can I get term life insurance without a medical exam?

Yes, many carriers offer no-exam term life insurance, using simplified issue underwriting (a set of health questions instead of blood work) to determine eligibility and pricing, often with approval in days rather than weeks.

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No-exam term policies are typically capped at lower coverage amounts than fully underwritten term policies and may carry a slightly higher premium for the convenience of skipping the exam.

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If you're comfortable with a medical exam and want the lowest possible rate for higher coverage amounts, fully underwritten term insurance is usually the better value; if speed and convenience matter more, no-exam term is worth considering.

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