Because of these differences, the process can range from as little as one day to several weeks. Whole life insurance. 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. 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. Applicants should expect to take a medical exam for most Pacific Life policies. Anywhere from 0% to 43% higher. Certain insurance companies may not do business in some states. Many people have a real fear of doctors and anything doctor-ish. 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. 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. 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 … Compare policies up to $1,000,000 in coverage without taking a medical exam. 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. New York, in particular, has fewer exam options. Yes, there are no exam policies offered in all 50 states and the District of Columbia. Is no medical exam life insurance available in my state? No medical exam. What Is No Medical 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. Pacific Life offers term life policies with both fixed and adjustable premiums over 10, 15, 20, 25 and 30 years. At first glance, this type of insurance may appeal to you. From there, the process can vary from completely online/electronic, to a telephone interview, to a paper application. No medical life insurance with issue times as quick as one day. Term life insurance. You may be able to apply for a Pacific PRIME Term policy without taking a life insurance exam. No medical exam life insurance policies come with beneficial time and convenience factors too. With no medical exam life insurance, you are not required to complete a paramed exam to apply for a 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. How much more does it cost for a no medical exam policy? Pacific Life offers a combination of very competitive prices and solid policy benefits. You can also use our online quote to get started and then talk to a State Farm ® agent to complete your application. Pacific Life also sells a few other coverage options to give you more flexibility in your policy. ’ t require a medical exam for policies with both fixed and adjustable over! You are pacific life insurance no medical exam required to complete your application fixed and adjustable premiums over 10, 15, 20, and. Of Columbia ® agent to complete a paramed exam to apply for a policy and adjustable over! In all 50 states and the District of Columbia life doesn ’ t require a medical exam insurance. 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