The cost difference is usually modest for simplified issue policies but can be more significant for guaranteed issue policies, which ask no health questions at all and are priced for a broader range of health risks.
Want an answer specific to your situation? A licensed agent can walk through your options in a few minutes.
Call (844) 658-4509For many people, the convenience and speed of skipping the exam is worth a somewhat higher premium, but an agent can show you the actual cost difference between exam and no-exam options for your specific situation.