Skip the Needles
No-Exam Life Insurance
Get covered in days, not weeks. Skip the blood draw and nurse visit with rapid algorithmic underwriting.
How No-Exam Works
Traditional life insurance requires a paramedical exam (blood and urine test) which can delay approval by 4-6 weeks. "No-Exam" or "Simplified Issue" policies skip this step.
Instead of a medical exam, carriers use data algorithms to review your prescription history, motor vehicle records, and a detailed health questionnaire to approve you rapidly—sometimes within 24 hours.
- Rapid approval (days vs weeks)
- Just a health questionnaire
- Zero hassle, zero needles
Who is it best for?
- People who need coverage immediately for a loan requirement or sudden life event.
- Those with busy schedules who don't want the hassle of scheduling a nurse visit.
- Individuals who have an aversion to needles or medical settings.
The Trade-off
Because the carrier is taking on slightly more risk by not examining your bloodwork, No-Exam policies are typically 10-20% more expensive than fully underwritten policies, and coverage limits are usually capped at $500k to $1M.