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05/09/2025

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Life insurance with no medical exam vs. life insurance with no health questions: what's the difference?

These days, many insurance companies offer customers options to the traditional ways of applying for life insurance, which included getting a medical exam and answering detailed health questions. Today, both term life and whole life insurance are sometimes available without a requirement for an exam and, in some cases, with only a few health questions or none at all. But there are key differences between the different options. Understanding them will help you choose the policy that’s right for you. [3 min]
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What is the difference between no medical exam and no health questions in life insurance?

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We’re on a mission to make a brighter financial future accessible to everyone. Dedicated to helping more people — in more ways — make confident financial decisions at every stage.
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Life insurance

Life insurance

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What is the difference between no medical exam and no health questions in life insurance?

Life insurance with no medical exam vs. life insurance with no health questions: what's the difference?

These days, many insurance companies offer customers options to the traditional ways of applying for life insurance, which included getting a medical exam and answering detailed health questions. Today, both term life and whole life insurance are sometimes available without a requirement for an exam and, in some cases, with only a few health questions or none at all. But there are key differences between the different options. Understanding them will help you choose the policy that’s right for you.
3 min read
A financial professional sits with a married couple explaining how life insurance could help with estate planning.

How life insurance could help you with estate planning

Incorporating a life insurance policy into your estate plan could help you manage a range of financial factors from everyday bills to taxes. Let’s discuss the basics of estate planning and why life insurance may be a helpful tool for you.
3 min read
A man and woman sort through documents at a desk to locate a loved one's life insurance policy.

How can I find out if I am a life insurance beneficiary and locate the policy in question?

It's not unusual to have some questions about a loved one’s life insurance arrangements. Watch this video to learn more about how to locate a life insurance policy document and how to confirm if you’re a life insurance beneficiary.
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Learn what is an irrevocable life insurance trust and how it can help protect your children.

What is an irrevocable life insurance trust?

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Property insurance

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Accidental death and dismemberment

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What is living insurance?

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In this video, find out how AD&D insurance is different than life insurance and how it could make a big difference if there’s a loss of income in certain accidental scenarios.
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Our latest videos

We’re on a mission to make a brighter financial future accessible to everyone. Dedicated to helping more people — in more ways — make confident financial decisions at every stage.
Married couple discussing the importance of life insurance while on a walk.

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