Certain insurance companies may not do business in some states. No exam insurance is a life insurance policy that does not require the insured person to take a medical exam before approval to buy the policy. 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. New York, in particular, has fewer exam options. No medical life insurance with issue times as quick as one day. Because of these differences, the process can range from as little as one day to several weeks. Is no medical exam life insurance available in my state? No medical exam. 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. This is because they’re not waiting on paramedical professionals to connect with potential clients. With no medical exam life insurance, you are not required to complete a paramed exam to apply for a policy. Many people have a real fear of doctors and anything doctor-ish. Pacific Life also sells a few other coverage options to give you more flexibility in your policy. 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. 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. At first glance, this type of insurance may appeal to you. Whole life insurance. Compare policies up to $1,000,000 in coverage without taking a medical exam. Term life insurance. 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 term life policies with both fixed and adjustable premiums over 10, 15, 20, 25 and 30 years. A life insurance company not requiring a medical exam can get you approved for a policy faster. To determine coverage needs, a Pacific Life agent will consider your … No complicated processes to wade through. Anywhere from 0% to 43% higher. From there, the process can vary from completely online/electronic, to a telephone interview, to a paper application. Yes, there are no exam policies offered in all 50 states and the District of Columbia. What Is No Medical Exam Life Insurance? You may be able to apply for a Pacific PRIME Term policy without taking a life insurance exam. Applicants should expect to take a medical exam for most Pacific Life policies. You can also use our online quote to get started and then talk to a State Farm ® agent to complete your application. Pacific Life doesn’t require a medical exam for policies with a benefit up to $249,999. 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