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