Can You Buy Life Insurance Online With No Exam? 
It is possible to buy life insurance online with no exam , but the policy usually takes from an hour to a month to go into effect after digitally submitting the application . Some policies that do not require the exam also do not look at doctor 's records , and those go fastest . They usually require a phone interview and the underwriter will look at drivers record , pharmacy record , and MIB before approving -LRB- or declining -RRB- the policy . For those No Exam products that reserve the right to order doctor 's records , a policy decision will be made after all the material has been collected and reviewed . 