How To Get Life Insurance Without A Medical Exam? 
To get life insurance without a medical exam , you first contact a life insurance agency that sells that type of policy . Then , depending on the policy , you fill out an application over the phone and sign it digitally , or on paper and fax or mail it to your agent . Some no exam policies will then require a phone interview . The person doing the interview will try to call you , and leave a number if they can not reach you , that you can call back at your convenience . Some no exam policies will order medical records from your doctor . Most often , that step is not required . When approved , most life insurance without a medical exam will draft your first premium and put it into effect as soon as it is approved . Some will let you pay the premium after you receive the policy in the mail . In addition to the above , there are some nonmedical life insurance policies that will do a phone interview with you and your agent to fill out the application and put the policy into effect all at the same time . 