Is no medical exam life insurance more expensive than regular life insurance?

Key details about no medical exam life insurance

The cost difference is usually modest for simplified issue policies but can be more significant for guaranteed issue policies, which ask no health questions at all and are priced for a broader range of health risks.

For many people, the convenience and speed of skipping the exam is worth a somewhat higher premium, but an agent can show you the actual cost difference between exam and no-exam options for your specific situation.