Best no medical exam life insurance of November 2026
Getting life insurance usually requires undergoing a medical exam, so your insurer gets a clearer picture of your health status. However, in recent years, things have been changing. Some insurers are allowing you to skip the exam — which has long consisted of blood and urine tests — if you're in relatively good health. Instead of collecting samples, they'll consider other data sources, like prescription drug history and motor vehicle records, according to the National Association of Insurance Commissioners, in a process called accelerated underwriting. If you're interested in getting life insurance online, note that your health info will still play a role: You may still need to answer some questions about your health, however, and an insurer may also review your medical records and prescription history in the process. But it could help you skip the hassle of scheduling a medical exam…