Medical Exam Vs No-Medical-Exam Life Insurance

Your life insurance application could require a medical exam or no-medical exam. It depends on which option you prefer. To help you make an informed decision, we have made a comparison between medical exam and no-medical-exam life insurance.


A medical exam life insurance application typically requires details of your personal and family medical history. The underwriter also wants to know about your background and if you are engaged in any risky activities. The answers you provide would determine premiums you will pay. And in some cases, the life insurance company might reject your application based on the information you provided in your medical exam. On the other hand, a no-medical-exam life insurance policy does not require any medical examination. Rather, you are only required to give basic information that would help in drawing up your life insurance policy.

Premium rates

When you apply for a medical exam life insurance, the life insurance company collects relevant information about you. This makes it easy for them to know your risk level and to set a premium rate that suits your budget. However, compared to medical exam life insurance, no-medical-exam life insurance has high premium rates. This is because your insurer considers you as a high-risk person due to the lack of information about you.


With a no-medical-exam life insurance, rest assured of coverage that ranges from $200,000 – $500,000. However, this amount depends on your life insurance company and typically does not exceed $500,000. In contrast to no-medical-exam life insurance, medical exam life insurance can have a coverage of up to $1million or above.

Time of approval

Applying for a medical exam life insurance can be time-consuming. Usually, it takes approximately 4-6 weeks for your medical exam life insurance to get approved. The reason is that the life insurance company has to collect all your details, review your results and begin the underwriting process for your application. Unlike medical exam life insurance, no-medical-exam life insurance does not take a lot of time. Since there is no need to collect lots of personal data, the process only takes 1-2 days. In fact, there are other cases where you can buy no-medical-exam life insurance over the phone.