No-Exam Life Insurance

These products can be guaranteed issue, which means that no medical questions, medical records, or medical exams are required. They can also be a simplified issue, which means that a brief medical questionnaire will have to be completed, but neither medical records nor medical exams are required.


  • No medical exam
  • No review of medical records
  • Short form application
  • Both term and permanent policies can be obtained

Ideally suited for:

People who cannot complete full underwriting, including:

  • People who need to purchase life insurance in a hurry.
  • People who do not want an in-person visit from an examiner.

Interested in discussing your unique situation? Contact Us