Coverage options
A guide to no-medical-exam life insurance
Learn what “no medical exam” can mean and how simplified, guaranteed, and accelerated underwriting may differ.
No-medical-exam life insurance can refer to several underwriting approaches. It does not necessarily mean there are no health questions, records checks, limitations, or trade-offs in coverage and cost.
Different paths, different questions
Simplified issue, guaranteed issue, and accelerated underwriting can work differently. The application process and medical information used can vary by carrier and product.
Compare the full picture
A quicker application experience can involve different premiums, benefit limits, underwriting outcomes, or policy features. Compare policy documents—not just the absence of an in-person exam.
Ask how eligibility is determined
A licensed insurance professional can explain what information may be used in reviewing an application and what coverage options may be available in your state.