The life insurance companies that are no longer accepting high-risk applicants. That’s why only 40% of U.S. households own individual life insurance. Thirty-year-old George desires to shield his family members in the unlikely event of his passing. The tests are quite simple and can take place at your home, your work or a local exam center. Are insurers still performing medical exams? Prudential has 11 different life insurance plans to choose from, including term life policies and universal life policies. In some cases, it could be just a couple dollars more per month. With the aid of technology, we will see a shift from fully underwritten (think medical exam) life insurance to no exam life insurance in many instances. The medical exam required to obtain approval of your life insurance policy is a roughly 25-minute paramedical exam scheduled at the date and time of your choosing. It may be a good idea to consider life insurance with no medical exam if: You have pre-existing medical conditions that may make it difficult to get coverage. If you want to buy more life insurance (or a different type of policy), you’ll have to work directly with a life insurance agent from Prudential. Do I need to take a medical exam? The Prudential Life Insurance Company has replaced the standard medical exam with an online questionnaire about your health instead. If you lie on the application and the insurance company finds out, they may increase your premiums or cancel your policy altogether. Available Coverage. A licensed Prudential life insurance agent will call to discuss your needs and budget. On the other hand, you’ll have to look elsewhere for whole life insurance since Prudential doesn’t offer it. You’re a notorious procrastinator. This 30-minute physical isn’t difficult—a technician or nurse can even come to your home or office to complete—but it’s still an … You hate needles (or doctors). A fully underwritten policy will take approximately 6 weeks to get approved. Considerations for Life Insurance Without a Medical Exam. Guaranteed issue whole life insurance is just as the name implies; guaranteed. People are turned off. If you’re in need of a quick approval, you’re going to want to focus on No Exam Life Insurance. In most states, applicants can schedule a life insurance medical exam at a time and place that’s convenient for them — like their home. We’ll go over No Exam life insurance companies right after fully underwritten companies. Advertisement. They are also a go-to carrier for individuals with health complications. Another unique factor of Prudential is their “non-smoker plus” rate class for people who are in great health otherwise, but smoke. Prudential is highly rated and a go-to carrier for many applicants. Is No Medical Exam Life Insurance Right for Me? See all reviews. Prudential is one example of a life insurance company that has adopted a progressive attitude on marijuana use. No Medical Exam Life Insurance. No medical exam and accelerated underwriting provides you with an innovative, faster, process that is simple and convenient without sacrificing competitive rates. While a no exam life insurance plan offers you clear advantages, it means higher risk for the insurer. $100,000 Coverage, 20-Year Term. No medical exam policies are exactly what their name implies: You don’t have to take a medical exam when you apply for them, as you do with traditional life insurance policies. Is Prudential a good life insurance company? Getting a medical exam for life insurance is similar to going to your doctor to get a physical. Yet, they provide the same guaranteed coverage. Learn more about a simpler path to getting life insurance. Prudential is also excellent for any client who is considered overweight, as their weight charts are looser than other companies. While no-medical-exam life insurance policies typically carry higher premiums, affordable plans have cropped up … Life insurance medical exams are typically handled by third party businesses, such as ExamOne, that insurers hire to handle testing. William Penn. Buying life insurance from a financially unstable company just because they offer low rates is not a good idea, as there is no guarantee the company will be able to honor its claims in the future. In a worst-case scenario, you’re looking at a 30-40% increase. No Medical Exam Life Insurance . Once your application has been reviewed, your agent or the testing company will reach out to schedule an exam. They'll review your family situation, health history and future plans — and see if we can lower your rate and improve your coverage. Jason . 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