Simplified-issue and accelerated-underwriting term policies can give full coverage from day one without an exam, based on health questions and data checks. Guaranteed-issue policies accept everyone but usually have a 2–3 year graded death benefit (a waiting period) for non-accidental deaths. Looking to become an agent instead? See the life and health insurance exam.
USA Life Insurance Medical Exam: Quick Facts
- Exam cost to you
- $0 (paid by the insurer)
- Exam length
- About 20–45 minutes
- Typical checks
- Height, weight, BP, pulse, blood & urine
- No-exam types
- Simplified issue · Guaranteed issue · Accelerated underwriting
- Contestability period
- Usually 2 years
- Free look
- Usually 10–30 days
Free practice test
Test what you know
Random questions, instant scoring and an explanation for every answer.
Start the USA Life Insurance Medical Exam practice test →More USA Life Insurance Medical Exam questions
- Can I get life insurance with no medical exam?
- What is no medical exam life insurance?
- Can seniors over 60 get life insurance without a medical exam?
- What do they check in a life insurance medical exam?
- Is no-exam life insurance more expensive?
- Who pays for the life insurance medical exam?
- What is a graded death benefit (Life Insurance Medical Exam)?
Disclaimer: This guide is for general information and is not financial, tax, insurance or investment advice. Exam details, fees, blueprints and product terms change. Confirm with the official organization or a licensed professional. Read our editorial policy.