Can I get life insurance without a medical exam?
Yes — no-exam policies are genuinely available, not just a marketing gimmick. For coverage under $500K, many carriers will approve you based on a health questionnaire and a prescription database check alone. Approval can happen in 24–72 hours.
The trade-off is cost: no-exam policies are typically 15–30% more expensive than fully underwritten ones. If you're young and healthy, taking the exam usually saves money. If you have health concerns or need coverage fast, the no-exam route may be worth the premium.
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