{"id":403142,"date":"2024-06-24T18:13:49","date_gmt":"2024-06-24T18:13:49","guid":{"rendered":"https:\/\/fidelitylife.staging.thisismess.io\/life-insurance-basics\/uncategorized\/no-exam-life-insurance-2\/"},"modified":"2026-02-26T19:56:56","modified_gmt":"2026-02-26T19:56:56","slug":"no-exam-life-insurance","status":"publish","type":"page","link":"https:\/\/staging03.wordpress.fidelitylife.com\/?page_id=403142","title":{"rendered":"No exam life insurance"},"content":{"rendered":"<div>\n<section class=\"page-content block block-page-content\" tabindex=\"-1\">\n<div class=\"page-content-inner\">\n<h2>Key takeaways<\/h2>\n<ul class=\"box-list\">\n<li style=\"list-style-type: none;\">\n<ul>\n<li data-gc-list-depth=\"1\" data-gc-list-style=\"bullet\">If you\u2019re concerned a medical exam will impact your eligibility to purchase life insurance, there are no medical exam life insurance policies available.<\/li>\n<li data-gc-list-depth=\"1\" data-gc-list-style=\"bullet\">Simplified issue life insurance has a detailed questionnaire that includes health information and medical history, but doesn\u2019t have a physical exam.<\/li>\n<li data-gc-list-depth=\"1\" data-gc-list-style=\"bullet\">Guaranteed issue requires answers to only a few questions about your health information and medical history.<\/li>\n<li data-gc-list-depth=\"1\" data-gc-list-style=\"bullet\">Premiums are usually higher and coverage amounts may be more limited, but the best way to assess how much you\u2019ll pay for no medical exam life insurance is to <a href=\"https:\/\/fidelitylife.com\/life-insurance-basics\/life-insurance-medical-exam-101\/no-exam-life-insurance\/#get-quote\"> get a quote.<\/a><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<h2><\/h2>\n<h2>Do all life insurance policies require a medical exam?<\/h2>\n<p class=\"p1\"><span class=\"s1\"> Most life insurance policies, like <a href=\"\/life-insurance\/term-life-insurance\/\"> term life insurance<\/a>, require a <a href=\"https:\/\/fidelitylife.com\/life-insurance-basics\/life-insurance-medical-exam-101\/life-insurance-medical-exams\/\"> medical exam<\/a>. This exam helps the insurance company accurately assess risk and set your premium. If you have a serious medical condition, you may worry whether you need to take a medical exam to get life insurance. <\/span><\/p>\n<p class=\"p1\"><span class=\"s1\"> The good news is there are two types of life insurance policies available without a medical exam or waiting period. A no-exam life insurance policy, like a simplified issue or guaranteed issue, may be just the option for you and your family. <\/span><\/p>\n<h2 class=\"p1\"><span class=\"s1\"> What\u2019s involved in a life insurance medical exam? <\/span><\/h2>\n<p class=\"p3\"><span class=\"s1\"> Medical exams are free to you and provided by your insurance company at their expense. A licensed medical technician will come to a place of your choice, like your home or your workplace, to perform the exam. You\u2019ll also get a copy of the results for your records. <\/span><\/p>\n<p class=\"p3\"><span class=\"s1\"> The exam takes about 30 minutes and includes: <\/span><\/p>\n<ul class=\"ul1\">\n<li class=\"li3\"><span class=\"s1\"> Measuring your height and weight <\/span><\/li>\n<li class=\"li3\"><span class=\"s1\"> Calculating your BMI <\/span><\/li>\n<li class=\"li3\"><span class=\"s1\"> Drawing blood for <a href=\"https:\/\/fidelitylife.com\/life-insurance-basics\/life-insurance-medical-exam-101\/understanding-life-insurance-blood-tests\/\"> blood tests <\/a> and taking a urine sample <\/span><\/li>\n<\/ul>\n<p class=\"p3\"><span class=\"s1\"> In some cases, the technician may perform additional tests, like an EKG. This happens mostly for applicants over 50 or anyone applying for higher coverage amounts. Learn more about <a href=\"https:\/\/fidelitylife.com\/life-insurance-basics\/life-insurance-medical-exam-101\/how-to-pass-life-insurance-medical-exam\/\">how to prepare for a medical exam.<\/a><\/span><\/p>\n<h3>When should you take a medical exam for life insurance?<\/h3>\n<p class=\"p3\"><span class=\"s1\"> If you\u2019re in good health, applying for a traditional policy with a <a href=\"https:\/\/fidelitylife.com\/life-insurance-basics\/life-insurance-medical-exam-101\/life-insurance-medical-exams\/\">medical exam <\/a> can get you better rates \u2013 and many insurance companies are working to make the process as hassle-free as possible. With Fidelity Life\u2019s <a href=\"\/life-insurance\/term-life-insurance\/rapidecision-life\/\"> <strong> <em> RAPID<\/em><\/strong>ecision<\/a><a href=\"\/life-insurance\/term-life-insurance\/rapidecision-senior-term-life-insurance\/\"><sup>\u00ae<\/sup><\/a><a href=\"\/life-insurance\/term-life-insurance\/rapidecision-life\/\"> Life<\/a>, we can delay your medical exam for up to six months, so you can take it when it\u2019s convenient. In some cases, you may be able to skip it altogether. If you have health issues that affect your rates or eligibility, though, no-exam insurance can help you get the protection you need for your family. If you\u2019re having trouble deciding between a <a href=\"https:\/\/fidelitylife.com\/life-insurance-basics\/life-insurance-medical-exam-101\/medical-exam-vs-no-medical-exam-life-insurance\/\">medical exam vs. no medical exam policy<\/a>, Fidelity Life has licensed insurance agents standing by to help you choose the right fit. <\/span><\/p>\n<h2><strong> Two types of no medical-exam life insurance policies <\/strong><\/h2>\n<p class=\"p1\"><span class=\"s1\"> There are two common types of life insurance policies that don\u2019t require a medical exam: simplified issue and guaranteed issue. Understanding what they both offer and the differences between them can help you make an informed decision about which life insurance policy will work best for your needs. <\/span><\/p>\n<h3><strong> Simplified issue <\/strong><\/h3>\n<p class=\"p1\"><span class=\"s1\"> A <a href=\"https:\/\/fidelitylife.com\/life-insurance-basics\/life-insurance-101\/simplified-issue-life-insurance\/\"> <span class=\"s2\"> simplified issue policy<\/span><\/a> requires you to answer a detailed questionnaire about your health, your medical history, and <a href=\"https:\/\/fidelitylife.com\/life-insurance-basics\/life-insurance-101\/does-family-medical-history-affect-life-insurance-rates\/\">your family medical history<\/a>. You will also need to provide access to your previous medical records. You will not have to undergo a medical exam, the answers to your questionnaire and medical records are all that\u2019s needed. <\/span><\/p>\n<p class=\"p1\"><span class=\"s1\"> The premiums for this kind of policy are higher than for a traditional policy with a health exam. Coverage may be capped at anywhere from $25,000 to $300,000, depending on the results of your evaluation. Depending on your policy, simplified issue insurance may be written for term life or whole life coverage. <\/span><\/p>\n<p class=\"p1\"><span class=\"s1\"> Simplified issue can be a good fit if you\u2019re looking for: <\/span><\/p>\n<ul class=\"ul1\">\n<li class=\"li1\"><b> <\/b> <span class=\"s2\"> <b> Convenience: <\/b> If you don\u2019t want to deal with a medical exam, simplified insurance is a good bet. A recent study found that <a href=\"https:\/\/lifehappens.org\/press\/2019-insurance-barometer-study-nearly-half-of-americans-more-likely-to-buy-simplified-underwritten-life-insurance\/\" target=\"_blank\" rel=\"noopener\"> <span class=\"s3\"> 47% of Americans<\/span><\/a> would prefer to buy life insurance through a simplified process. <\/span><\/li>\n<li class=\"li1\"><b> <\/b> <span class=\"s2\"> <b> Quick approval: <\/b> With no medical exam, you can get covered right away, rather than waiting weeks for processing and results. This may work well if you need coverage fast, like for an upcoming trip. <\/span><\/li>\n<li class=\"li1\"><b> <\/b> <span class=\"s2\"> <b> Coverage with health issues: <\/b> Concerned about your health? Health issues like controlled diabetes or a GI condition can complicate life insurance approval. Simplified issue is designed to help people who may not qualify for traditional policies get the coverage they need and protect their families. <\/span><\/li>\n<\/ul>\n<p class=\"p1\"><span class=\"s2\"> One reminder: It\u2019s important to disclose any medical conditions when applying for a policy. If the insurance company discovers you didn\u2019t disclose something after you die, your policy can be voided. If this happens, your beneficiaries won\u2019t receive the death benefit you planned. <\/span><\/p>\n<p><a class=\"inline_article_link_btn\" href=\"\/life-insurance\/final-expense-insurance\/rapidecision-final-expense-insurance\/\"> Explore simplified issue policies from Fidelity Life <\/a><\/p>\n<h3><strong> Guaranteed issue <\/strong><\/h3>\n<p class=\"p1\"><span class=\"s1\"> If you don\u2019t qualify for traditional or simplified issue life insurance, either due to pre-existing conditions or premiums that are unaffordable for you, you still have options. You may want to consider a <a href=\"https:\/\/fidelitylife.com\/life-insurance-basics\/permanent-life-insurance-101\/guaranteed-issue-life-insurance\/\"> <span class=\"s2\"> guaranteed issue life insurance policy<\/span><\/a>. <\/span><\/p>\n<p class=\"p1\"><span class=\"s1\"> When you apply for guaranteed issue life insurance, there is no medical exam. Guaranteed issue policies require answers to only a few questions about your health information and medical history. <\/span><\/p>\n<p class=\"p1\"><span class=\"s1\"> These policies generally have higher premiums in relation to the death benefit, which is usually capped at $25,000 or less. Many policies come with graded death benefits, meaning that if you die within the first two or three years after policy issuance, your beneficiaries may receive an amount equal to only premiums plus interest. <\/span><\/p>\n<p class=\"p1\"><span class=\"s1\"> Guaranteed issue may be a good fit if you\u2019re looking for: <\/span><\/p>\n<ul class=\"ul1\">\n<li class=\"li1\"><span class=\"s1\"> <b> No-questions-asked coverage. <\/b> Guaranteed issue lives up to its name, helping to make sure that you\u2019re covered regardless of your health or age. A type of permanent insurance, it will last as long as your premiums are paid. If you\u2019re facing a serious condition, like cancer or heart disease, guaranteed issue can help provide for your family after you\u2019re gone. <\/span><\/li>\n<li class=\"li1\"><span class=\"s1\"> <b> A way to cover final needs. <\/b> Since the coverage amounts are lower than other types of life insurance, many people use guaranteed issue as a form of final expense insurance. It can help you cover funeral expenses or related medical bills and pay off end-of-life debts. Guaranteed issue can also give you the means to leave a small legacy behind for your children or grandchildren. <\/span><\/li>\n<\/ul>\n<p><a class=\"inline_article_link_btn\" href=\"\/life-insurance\/final-expense-insurance\/rapidecision-guaranteed-issue-life-insurance\/\"> Explore guaranteed issue policies from Fidelity Life <\/a><\/p>\n<h2>How much does no medical exam life insurance cost?<\/h2>\n<p>The cost of life insurance with no medical exam will vary based on the type of policy you choose. Whole life insurance without a medical exam, will often have higher premiums than a term life insurance policy with no medical exam that cannot accrue cash value. The cost of life insurance also depends on the amount of coverage you get. The best way to find out how much you\u2019ll pay for a life insurance policy is to <a href=\"\/life-insurance-basics\/life-insurance-medical-exam-101\/about-no-exam-life-insurance\/#get-quote\"> get a quote<\/a> or <a href=\"tel:+18885302566\"> talk to an agent<\/a>.<\/p>\n<\/div>\n<\/section>\n<section class=\"page-content block block-page-content\" tabindex=\"-1\">\n<div class=\"page-content-inner\">\n<h2>Who needs life insurance without a medical exam?<\/h2>\n<p>No medical exam life insurance can be an option for people interested in coverage but who are concerned about not qualifying because of their age, health, or other concerns.<\/p>\n<p>You might want to consider a no medical exam insurance policy if:<\/p>\n<ul>\n<li data-gc-list-depth=\"1\" data-gc-list-style=\"bullet\">You\u2019re concerned you won\u2019t be approved for an exam-based policy because of your health.<\/li>\n<li data-gc-list-depth=\"1\" data-gc-list-style=\"bullet\">An exam-based policy may have higher premiums because of your health rating.<\/li>\n<li data-gc-list-depth=\"1\" data-gc-list-style=\"bullet\">You need a life insurance policy immediately, and would prefer not to wait for a medical exam.<\/li>\n<li data-gc-list-depth=\"1\" data-gc-list-style=\"bullet\">You\u2019re an older adult looking into <a href=\"https:\/\/fidelitylife.com\/life-insurance-basics\/senior-life-insurance-101\/life-insurance-for-seniors\/\"> senior life insurance <\/a> to offer financial protection to your loved ones.<\/li>\n<\/ul>\n<p>You may be able to add riders to simplified issue or guaranteed issue policies, such as an accidental death benefit in case you die in an accident, or waiver of premium for disability, in the event that your health becomes so poor you can\u2019t work or pay your premiums.<\/p>\n<p>A no medical exam life insurance policy can also be used to cover final expenses if you can\u2019t obtain other life insurance and want to avoid burdening your family with funeral and burial costs after your death.<\/p>\n<h2><strong> Explore affordable no exam life insurance policies from Fidelity Life <\/strong><\/h2>\n<ul>\n<li><a href=\"\/life-insurance\/term-life-insurance\/rapidecision-senior-term-life-insurance\/\"> <strong> <em> RAPID<\/em><\/strong>ecision<sup>\u00ae <\/sup> Senior Term Life <\/a><\/li>\n<li><a href=\"\/life-insurance\/term-life-insurance\/rapidecision-senior-term-life-insurance\/\"> <strong> <em> RAPID<\/em><\/strong>ecision<sup>\u00ae <\/sup> Senior Whole Life <\/a><\/li>\n<li><a href=\"\/life-insurance\/final-expense-insurance\/rapidecision-guaranteed-issue-life-insurance\/\"> <strong> <em> RAPID<\/em><\/strong>ecision<sup>\u00ae <\/sup> Guaranteed Issue <\/a><\/li>\n<li><a href=\"\/life-insurance\/final-expense-insurance\/rapidecision-final-expense-insurance\/\"> <strong> <em> RAPID<\/em><\/strong>ecision<sup>\u00ae <\/sup> Final Expense <\/a><\/li>\n<\/ul>\n<\/div>\n<\/section>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Key takeaways If you\u2019re concerned a medical exam will impact your eligibility to purchase life insurance, there are no medical exam life insurance policies available. Simplified issue life insurance has a detailed questionnaire that includes health information and medical history, but doesn\u2019t have a physical exam. Guaranteed issue requires answers to only a few questions [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":403045,"parent":1069,"menu_order":0,"comment_status":"open","ping_status":"open","template":"","meta":{"footnotes":""},"class_list":["post-403142","page","type-page","status-publish","has-post-thumbnail","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Is No exam life insurance right for you? - Fidelity Life<\/title>\n<meta name=\"description\" content=\"No exam life insurance is a good option for some people, but not all. 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