How Much Life Insurance Can I Get Without A Physical? 
There are a few carriers which will offer more than $ 250,000 of No Exam life insurance , and the price is not unreasonable compared to the average Standard or Select rate . Where you often really start to recognize the savings from taking the exam is when you qualify for Preferred or better than Preferred rates . On the flip side , sometimes those with poor health can find a No Exam option that is competitive with the price for a policy requiring an exam . When a case is borderline for being approved at a high rating with a medically underwritten policy , sometimes taking the No Exam policy can save a lot of stress , even if the price is slightly higher . 