Do I Have to Pass a Medical Exam to Get Covered for Life Insurance?

No, you don't have to take or pass a medical exam for all life insurance plans. There are life insurance policies that do not require you to take a medical exam.

Some insurance companies offer no exam policies that allow you to apply for and purchase life insurance with just a few health questions asked, and no exam required.

And, there are guaranteed issue life insurance policies which do not require a health exam, and there's no health questions asked. You cannot be turned down due to any health problems.

You may pay a higher premium and receive a lower death benefit if you do not take a medical exam.

If you do take a health exam it can help you qualify for better rates and a higher amount of life insurance coverage.

But, it's nice to know there are life insurance plans that do not require a health exam, because about 10% of the population has a fear of needles or blood, and with no exam required, there's no blood test, no needles and no testing.

And, no exam life insurance plans may allow you to buy your policy online and start your coverage today, instead of waiting up to 4 to 6 weeks to get insured.

Here's how to learn more about buying life insurance with no medical exam required.