Get Life Insurance Instantly No Medical Exam Needed
Cost Considerations
While no medical exam life insurance offers undeniable convenience, it generally comes at a higher premium than traditional policies. This is due to the increased risk insurers take on by not conducting a physical exam. According to industry reports, premiums can be 20% to 30% higher than those of fully underwritten policies1.
However, the exact cost will depend on various factors, including your age, health history, and the type of policy you choose. It's advisable to compare different options and obtain quotes from multiple insurers to find a policy that balances cost with coverage.