What Is No Medical Exam Life Insurance? 
No Medical Exam Life Insurance -LRB- also called No Exam Life Insurance , Nonmed Life Insurance , Simplified Life Insurance , Guaranteed Life Insurance , and other titles -RRB- is life insurance that does not require taking a paramed exam . More to the point , it does not require giving a blood sample , which is the part of the exam that some people want to avoid . No Medical Exam Life Insurance usually costs more than life insurance that does require an exam , for very healthy people . But for those who are overweight , get `` white coat syndrome '' -LRB- high blood pressure while having exams -RRB- , or have not had their cholesterol checked for years , foregoing an exam can result in very competitive rates . It is not unusual for someone to apply for a medically underwritten policy , get rated up for something they did not know they had , and end up paying more than the No Exam policy would have cost . Also , for those with serious health conditions , No Medical Exam Life Insurance is often the only type of life insurance available to them . Finally , many people like No Exam policies because they feel that the time spent in taking the exam and waiting for the underwriter to review their medical records -LRB- if the latter is needed -RRB- is not worth it . While it is not always an option , it is nice to have some No Medical Exam policies to choose from . Agents selling both types of coverage can help you discern which is best for you . 