Guide
No-exam life insurance
Which applicants can get approved without an exam, the way the process works, and what happens if you don't qualify.
Plenty of carriers have created accelerated underwriting: for applicants in particular age bands and under certain amount caps, they can approve you using your answers, records from doctors and pharmacies, driving history and other data in place of a paramedical exam. Some give you an answer on the same day. This site's quotes note for each product whether an exam is required, could be needed, or won't be asked for.
What it changes
Accelerated underwriting isn't the same as skipping underwriting altogether. What you write is checked, and if a policy issued based on incorrect information comes up during the first two years, it can be disputed. If the carrier's information search turns up questions, they may still want an exam or lab results; you can stop if you choose.
Who tends to qualify
Most carriers accept applicants who are younger than around 60, applying for amounts up to what the carrier calls its accelerated limit, with no serious health history and no tobacco in the past year or longer. Some carriers will use recent bloodwork from a doctor visit instead of making you take an exam.
If the carrier wants an exam, it normally takes 20 to 30 minutes with a paramedic who comes to where you live or work in the Tustin area, and there's no bill to you. For healthy applicants, the exam often moves them into a better rate class, so it's not necessarily a problem.