No-medical-exam life insurance is life insurance that does not require an in-person medical exam or any labwork for underwriting. Instead, these policies might use your answers to thorough medical and health questions, along with a review of your prescription history, motor vehicle record, and other records to determine how much to charge you for the policy. It might seem like an invasion of privacy, but the more thorough the application process is for no-medical-exam coverage, the more likely you are to qualify for a better rate. This is because unknown information adds to an insurance provider’s risk, which they compensate for by increasing your premium.