Coverage / No-medical-exam
No-medical-exam life insurance
A faster path to coverage using health questions instead of an exam.
No-medical-exam life insurance lets eligible applicants skip the traditional medical exam and answer health and lifestyle questions instead. For many people, that means a faster, mostly online application and a quicker decision. It's available on certain term and permanent products. You still answer health questions truthfully yourself, and a no-exam outcome can't be promised for any specific person.
Who it's a fit for
- People who want a faster, mostly online application
- Those who'd prefer to skip a medical exam if eligible
- Healthy applicants seeking term or smaller permanent coverage
- Anyone who values speed and convenience
How it works
- Apply online and answer health and lifestyle questions.
- Many applicants get a quick decision, sometimes the same day.
- If approved, coverage can begin after your first payment.
- Whether you qualify for a no-exam product depends on your age, coverage amount, and answers.
Good to know
- No-exam options often have coverage-amount limits.
- You must answer all health questions truthfully — accuracy matters at claim time.
- Some applicants will still be asked to complete an exam.
- Approval and pricing depend on your situation and underwriting.
No-medical-exam — common questions
Does no-exam mean no health questions?
No. You still answer health and lifestyle questions — you just skip the physical exam if you qualify. Answer everything truthfully; it matters when a claim is paid.
Is a no-exam decision guaranteed to be fast?
Many applicants get a quick decision, but it isn't guaranteed for everyone. Some applications need a few extra steps or an exam.
See if no-medical-exam fits your situation.
Start a quick quote, or talk with a licensed agent — no obligation.
Seven16 Life provides general information to help you explore life insurance options. This is not financial, legal, or tax advice.
Coverage is subject to eligibility, the application, and underwriting. Not everyone will qualify, and approval is never guaranteed.
Products and availability may vary and may not be offered in all states.
Coverage is provided and underwritten by licensed insurance providers. Seven16 Life may refer or connect you with licensed providers or partners where appropriate.