Guide
No-exam life insurance
What accelerated underwriting is, which applicants qualify, how it speeds the process, and what happens if your health requires further scrutiny.
More carriers today provide accelerated approval paths that do not require medical exams for eligible applicants seeking moderate amounts.
What it changes
No exam doesn't equal no underwriting. Your health answers, income, medical records, and prescriptions still go through the carrier's review.
Who tends to qualify
Generally those under age 60 seeking smaller amounts qualify. Some carriers have moved the threshold up; others maintain stricter limits.
An exam usually takes 20 to 30 minutes at a local center or, increasingly, via phone with a paramedic.