Can You Buy Life Insurance Online With No Exam? 
Yes , you can . However , the no exam aspect only applies to the blood and urine tests . Insurance carriers still look at your medical history . When applying for a life policy insurers tend to look at two aspects health wise . They review your medical history as far back as a decade through both your doctor -LRB- chart notes -RRB- and the Medical Information Bureau -LRB- think of it as similar to a credit report . -RRB- . They also take blood and urine samples -LRB- possibly an ECG as well -RRB- to get a `` snapshot '' of the day the examiner visited . This level of information allows a more complete risk review when pricing a policy . The rule of thumb is the more questions asked the lower the cost of the policy . The fewer questions asked the more expensive . So a no exam company will probably have greater premiums charged than a full exam company for the same person . Sometimes this is a considerable amount of money paid out to skip the exam . 