What Is No Medical Exam Life Insurance? 
That is a great question ! Simply put , a no-med exam policy is just that - there are no para-meds or doctor 's exams required to get the policy . Instead , there is usually a phone interview with an underwriter , or a series of health questions , or possibly no questions at all . In the case of the interview or questionnaires , the company will also check your pharmacy records , and with the MIB for your insurance claim history . These policies are usually for lower amounts of death benefits , and may have conditions attached about when , and how much , they pay out . Please ask a trusted agent to help you , okay ? Thanks for asking ! 