Is a medical exam required?

In today’s digital age, securing a life insurance policy has become a streamlined process that often bypasses the need for a medical exam. Sure, if a major corporation wants to insure their genius executive with an eight-figure life insurance policy, an exam’s going be required. But for the rest of us, it may no longer be an issue. Several insurance providers do require an at-home exam, but most don’t. With the vast amount of data available, insurance companies can conduct their due diligence. They know about that prescription you took six months ago and your broken pinky from July 4th, 2002. They’re aware of your blood pressure medication and whether you’re diligent about refills.

While everyone’s situation will vary, you may have to look at different plans in the rare case you are denied. But even so, you will eventually be able to find a company that will cover you, even if it means getting a life insurance policy with pre-existing conditions. For instance, guaranteed issue life insurance is a type of policy you can’t be turned down for, requiring no medical exams or health questions. It’s about understanding your unique life insurance needs and securing the right coverage for your peace of mind. So no, typically you can find life insurance without medical exams, or at least one that will accept you as you are.