Do I need a medical exam to get life insurance?

Key details about life insurance

However, many insurers also offer simplified issue policies (a few health questions, no exam) and guaranteed issue policies (no health questions, no exam at all), which trade a somewhat higher premium for a faster, easier approval process.

An agent can help you decide whether the potential savings from a fully underwritten exam-based policy are worth the extra time compared to a faster no-exam option.