A medical exam is a significant underwriting tool for any life insurance company requiring you to take an exam. The lab results from the blood and urine sample can reveal a great deal of information about your health.
If it has been a while since your last checkup, you could be unaware of changes in your health. Negative lab results such as elevated cholesterol, a1c levels, or even blood pressure readings can lead to higher rates or, worse, a decline in coverage.
By choosing to go with a no medical exam life insurance policy, you avoid the possibility of a negative exam reading, allowing you to secure life insurance coverage first by giving you time to plan a visit with your doctor.