What Is No Exam Life Insurance? 
No exam life insurance is known as `` Simplified Issue '' life insurance . This means the insurance carrier will not require you to take a live medical exam . These plans are underwritten and they can order medical records . Do not confuse `` Simplified Issue '' with `` Guaranteed Issue '' plans . You can still be declined if there are serious health concerns . SI plans are usually faster to issue but cost a bit more than standard underwritten plans . 