No medical exam life insurance policies come with beneficial time and convenience factors too. Term life insurance. You’ll likely have to answer a medical questionnaire and have more limited policy options (such as term or death benefit limitations) to buy this no exam life insurance. Many people have a real fear of doctors and anything doctor-ish. A life insurance company not requiring a medical exam can get you approved for a policy faster. Pacific Life also sells a few other coverage options to give you more flexibility in your policy. No medical life insurance with issue times as quick as one day. This is because they’re not waiting on paramedical professionals to connect with potential clients. Anywhere from 0% to 43% higher. With no medical exam life insurance, you are not required to complete a paramed exam to apply for a policy. No medical exam. At first glance, this type of insurance may appeal to you. Pacific Life doesn’t require a medical exam for policies with a benefit up to $249,999. You may be able to apply for a Pacific PRIME Term policy without taking a life insurance exam. Yes, there are no exam policies offered in all 50 states and the District of Columbia. Compare policies up to $1,000,000 in coverage without taking a medical exam. New York, in particular, has fewer exam options. Pacific Life's underwriting process is a bit faster than most insurance companies if you use either the no exam option or the Smooth Sailing Underwriting option. It also substitutes the medical exam with a thorough evaluation of your medical history, including your previous labs, prescription history, surgeries, and any past diagnoses. How much more does it cost for a no medical exam policy? From there, the process can vary from completely online/electronic, to a telephone interview, to a paper application. No complicated processes to wade through. Pacific Life offers term life policies with both fixed and adjustable premiums over 10, 15, 20, 25 and 30 years. What Is No Medical Exam Life Insurance? Certain insurance companies may not do business in some states. To determine coverage needs, a Pacific Life agent will consider your … Is no medical exam life insurance available in my state? Term life insurance policies with no medical exam are comparable to a medically underwritten life insurance policy and still ask the same life insurance medical questions. You can opt for no medical exam policy if you’d prefer to skip the traditional underwriting process, or an annual renewable term policy if you’re not sure how long you need coverage. Pacific Life offers a combination of very competitive prices and solid policy benefits. Because of these differences, the process can range from as little as one day to several weeks. 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