How Hard Is Health And Life Insurance Exam? 
Good points y' all ... What was the desired answer from the question ... The exam for GETTING life insurance -LRB- there has n't been an exam for health insurance in most states for YEARS . Now with PPACA , there are no exams for sure -RRB- . or ... the exam to get a license ? Since this site is for people to ask questions about insurance products & coverage , I assume it was NOT about getting licensed . For life insurance , the exam , or lack thereof , depends on the carrier & the amount you are applying for . The same person would have a light exam -LRB- small blood draw , tinkle in a cup , blood pressure reading , & questions -RRB- for a lower benefit amount -LRB- like 100K - 250K -RRB- vs. a larger benefit amount of 1 million . Think of it this way , `` The more you want from them , the more they 'll want from you . '' :--RRB- There are carriers that offer `` no exam '' underwriting options . MOST of these plans are for smaller amounts -LRB- under 250K -RRB- . The underwriting is typically pretty quick . The process can be as little as a few days . The tradeoff for not probing as deeply into you -LRB- literally -RRB- is that the cost of insurance is higher . You are likely to get the same coverage for less if you are willing to take an exam . Compare the length of coverage , extra coverage like Living Benefits , the convenience factor -LRB- exam or no exam -RRB- , the underwriting possibilities appetite of the carrier -LRB- your agent should discuss WHY this carrier is best over others - - the reason should be `` best underwriting for YOU '' -RRB- , and THEN the rate . Rates are relative to what you can qualify for . DO N'T fall for the big `` Dot coms '' that say you can get 500K for $ 20 a month ... MOST of use can not get that . If you have any questions , please reach out !! - gravy 