Who should consider no medical exam life insurance?

Key details about no medical exam life insurance

It's also commonly chosen by older applicants or those in imperfect health who may not want to risk an exam revealing something that leads to a decline, especially when guaranteed issue options are available as a fallback.

That said, healthy younger applicants seeking the largest coverage amounts at the lowest possible rate may still benefit from a fully underwritten exam-based policy, so it's worth weighing both options with an agent.