Can I get life insurance with no medical exam?

  • Yes. You can get a term-life insurance or a whole-life insurance policy without going through a medical examination. You will have to answer a few basic health questions to see if you qualify. Usually, these questions are asked while you get a life insurance quote online.
  • Depending on the type of life insurance and amount of coverage many plans require just a few health questions and no medical exam. Sometimes, you can qualify for lower rates or higher coverage amounts. Especially if you are in good health, are willing to provide more health information, and elect to undergo a paramedical exam. But you don't have to if complete a medical examination if you don't want to when applying for several types of life insurance online.