Guide
No-exam life insurance
Who can get accelerated underwriting, the process, and what happens if you don't qualify.
A lot of carriers today employ accelerated underwriting: for applicants who fall within set age and coverage bounds, they make a decision from your application, pharmacy records, driving history and similar information, bypassing a medical exam. Some decisions take a day or less. Every quote displayed here notes whether that product needs an exam, might need one, or doesn't.
What it changes
No exam does not equal no review. Your answers go through verification, and a policy granted with untrue answers can be rescinded within two years. If the carrier uncovers questions through its records, it may request an exam or bloodwork; you pick whether to go on at that stage.
Who tends to qualify
Most carriers run accelerated underwriting for people younger than around 60, requesting coverage amounts within the carrier's accelerated bracket, with an uncomplicated health story and no tobacco for a year or longer. If you saw a doctor recently and have current bloodwork, several carriers will use that instead of ordering an exam.
Should an exam be required, a paramedic will come to your home or office in the San Diego region for roughly 20-30 minutes — with no cost to you. The results can lift your rate class if you're in good health, so an exam isn't necessarily a bad thing.