How to apply for a No Exam Life Insurance plan

How to apply for a No Exam Life Insurance Plan

When comparing different life insurance quotes and benefits, you may notice that most insurance companies require a medical exam before approving you for a policy. However there are some carriers that offer no exam life insurance plans.

Why some carriers require a medical exam

This medical exam ensures that you do not have a pre-existing condition that would affect your benefits and is common when applying for both term life insurance and whole life insurance policies.

Why would someone consider a No Medical Exam Plan?

Good candidates for these policies include those who want to avoid submitting to medical exams, those who need coverage immediately and individuals who are seeking a hassle-free and quick application process.

No Medical exam plans can be done in as little as 10 minutes to 30 days. Full Medical Exam plans can take 4-6 weeks to get through the entire process.


How to Apply for Life Insurance without a Medical Exam

Once you have found a policy that does not require an exam, matches your needs and fits within your budget, the most important thing to keep in mind when applying is that you must tell the truth on the application. If you currently have a medical condition and you lie on the application, you could potentially face serious complications further down the road.

Do not be afraid to be honest about your health; in the long run, honesty is the best policy. Even if you are in a higher risk category due to obesity, high cholesterol, tobacco use, depression or your family medical history, you can typically secure a no exam life insurance policy.

The insurance provider will check your records with the Medical Information Bureau (MIB). The MIB exists to detect and deter the attempts of those trying to apply for insurance by omitting or misrepresenting the facts surrounding their current conditions. These red flags may prompt underwriters to check your health closer to make a determination regarding eligibility for insurance policies. In other words, when you apply to a company belonging to the MIB for insurance, the company may check if you have an existing record at the MIB.

Most carriers will also check your motor vehicle report. Your report will include accidents or poor driving history.

Additionally, the carrier will also check a pharmacy report regarding your current or past medications to confirm the information you provided on the application.

Who Can Be Approved?

Even if you have a moderate health condition such as type 2 diabetes, you may still be eligible for a no exam life insurance plan.

By the same token, those with more serious health risks and complications may also purchase term life insurance without an exam, but they may be facing a slightly higher premium for their coverage.

Benefits of No Exam Life Insurance

One of the main reasons that individuals look to these policies is that there is typically a much faster approval time versus a traditional insurance policy.

In some cases, you may be approved in as little as 10 minutes with our 1 Click Coverage plan.

All of my no exam plans , can be completed online, allowing potential policyholders to apply in the comfort of their own homes without visiting an insurance provider or having an agent come to your home or office.

Additionally, these type’s of plans allow up to $350,000 of term life coverage but if you need more, you can typically “stack” policies on one another; in other words, if you find a policy that meets all of your other needs but it does not provide the exact amount of coverage you want, you can purchase multiple policies and use them simultaneously to ensure you are fully covered.

Insurance companies provide coverage based upon their assessment of your medical risk. While providing coverage without performing a comprehensive medical exam may translate into slightly higher premiums for you, many individuals feel that the ease of securing coverage offsets the higher payments.


At M2 we work with several No Medical Exam carriers and I am confident that I can find you great plan that fits your needs and budget. Give me a call today at 512-963-5000 or fill out my contact request form and I will give you a call.