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	<title>New answer on: Can You Buy Life Insurance Online With No Exam?</title>

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		<title>By: Peggy Mace</title>

		<link>http://insurancelibrary.com/life-insurance/can-you-buy-life-insurance-online-with-no-exam</link>

		<dc:creator>Peggy Mace</dc:creator>

		<pubDate>Thu, 09 May 2013 22:09:12 +0000</pubDate>

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		<description><![CDATA[It is possible to buy life insurance online with no exam, but the policy usually takes from an hour to a month to go into effect after digitally submitting the application. 

Some policies that do not require the exam also do not look at doctor&#039;s records, and those go fastest. They usually require a phone interview and the underwriter will look at drivers record, pharmacy record, and MIB before approving (or declining) the policy.&#160;

For those No Exam products that reserve the right to order doctor&#039;s records, a policy decision will be made after all the material has been collected and reviewed.]]></description>

		

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		<title>By: Larry Gilmore</title>

		<link>http://insurancelibrary.com/life-insurance/can-you-buy-life-insurance-online-with-no-exam</link>

		<dc:creator>Larry Gilmore</dc:creator>

		<pubDate>Thu, 14 Mar 2013 16:12:01 +0000</pubDate>

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		<description><![CDATA[Yes, you can. However, the no exam aspect only applies to the blood and urine tests. Insurance carriers still look at your medical history. When applying for a life policy insurers tend to look at two aspects health wise. They review your medical history as far back as a decade through both your doctor (chart notes) and the Medical Information Bureau (think of it as similar to a credit report.). They also take blood and urine samples (possibly an ECG as well) to get a &quot;snapshot&quot; of the day the examiner visited.  This level of information allows a more complete risk review when pricing a policy. 

The rule of thumb is the more questions asked the lower the cost of the policy. The fewer questions asked the more expensive. So a no exam company will probably have greater premiums charged than a full exam company for the same person. Sometimes this is a considerable amount of money paid out to skip the exam.]]></description>

		

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