Whether or not you’ll need to undergo a medical exam in order to finalize your life insurance coverage depends on a few factors. Sproutt will take into consideration the results from your QL Index questionnaire, then recommend policies that match your health and personal factors. However, certain insurance companies may still require a medical exam based on your age, family history, or even the amount of coverage you’re hoping to buy. If you want to avoid this altogether, you can request a quote for a no-medical-exam policy. This might mean buying a guaranteed acceptance policy or even a whole life insurance product.