I want to apply for term life insurance but I do not want to take an exam! Can I apply for insurance without taking an exam?

Yeah, I tried to apply for one of those instant term deals and I was declined because I answered yes to having diabetes. Yeah its a serious disease, but I have it so well under control. My doctor even said I will live just as long if not longer than the average human being.

I tried to apply for an instant issue policy and answered yes to having cancer. It was several years ago, but I was still declined. I think you have to have a pretty clean health history in order to be approved. I think they check your medical history electronically too just to make sure you are not hiding anything.

I think it all depends on if you are looking for a deal or your time is more important to you. Not completing an exam means a higher premium.

Norcalgal- I think you were misinformed I believe the age cut off is 60 for a policy without an exam.

The exam wasn't too bad. I am afraid of needles too and they were able to use a super tiny needle that didn't freak me out as much. I think they called it a butterfly needle. You should ask for one of those.

Do I have to pay for the exam? I just had a physical a few weeks back, can I give those results to the insurance company instead?

The exam really doesn't take that long. If you have your doctor's information available that will help too because if you've been to your doctor for anything, the examiner is going to have to write down the reason and also the doctor's address so if you want to save time, just have all of that information with you.