Guide
No-exam life insurance
Which applicants qualify for no-exam approval, how the process works, and what happens if additional information is needed.
Many carriers now provide accelerated underwriting: eligible applicants can receive a decision in hours or days instead of weeks.
What it changes
Skipping an exam does not bypass underwriting. All information you provided is verified and may require additional documentation.
Who tends to qualify
Typically applicants under about 60 seeking coverage up to the carrier's standard underwriting limit can qualify for accelerated decisions without an exam.
If an exam is required, it typically consists of a 20- to 30-minute visit from a paramedic who takes basic measurements and blood samples.