Pacific Life doesn’t require a medical exam for policies with a benefit up to $249,999. This is because they’re not waiting on paramedical professionals to connect with potential clients. How much more does it cost for a no medical exam policy? You may be able to apply for a Pacific PRIME Term policy without taking a life insurance exam. From there, the process can vary from completely online/electronic, to a telephone interview, to a paper application. Pacific Life offers a combination of very competitive prices and solid policy benefits. Is no medical exam life insurance available in my state? 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. Many people have a real fear of doctors and anything doctor-ish. Whole life insurance. At first glance, this type of insurance may appeal to you. No medical exam. 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. With no medical exam life insurance, you are not required to complete a paramed exam to apply for a policy. Compare policies up to $1,000,000 in coverage without taking a 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. 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. Certain insurance companies may not do business in some states. No medical exam life insurance policies come with beneficial time and convenience factors too. To determine coverage needs, a Pacific Life agent will consider your … New York, in particular, has fewer exam options. What Is No Medical Exam Life Insurance? A life insurance company not requiring a medical exam can get you approved for a policy faster. No medical life insurance with issue times as quick as one day. Yes, there are no exam policies offered in all 50 states and the District of Columbia. Term life insurance. Anywhere from 0% to 43% higher. Pacific Life also sells a few other coverage options to give you more flexibility in your 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. 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. No complicated processes to wade through. 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. 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