Disability Protection Some mortgage protection insurance policies will make mortgage payments on your behalf — usually for a limited time — if you become disabled or lose your job. Reasons to Get a No-Exam Life Insurance Policy. If you’re denied life insurance for medical reasons, mortgage life insurance allows you to protect your home. This is no medical mortgage protection. It offers a quick online … Several insurance companies we work with do offer regular term life insurance policies that do not require you to get a medical exam as part of the application process. You may not need to answer health questions, either. Some insurance companies truly take the hassle out of buying term life insurance by allowing you to skip the medical exam and asking no health questions. Are you looking for life insurance coverage that doesn't require a medical exam? 2. But there are some no exam policies that ignore your health status altogether, such as guaranteed issue policies. You may want to consider going this route if your mortgage is less than a year old, as you may be eligible for up to $500,000 in coverage with these kinds of policies. Non-Medical Mortgage Term Life. You can get insured without answering any questions about the status of your health, or your health history. You won’t need to take a medical exam for this type of policy either. Bestow is 1 of the top life insurance agencies that does not require a medical exam. Best for Quick Coverage: Bestow. The life insurance company may request: a medical report from your GP; blood tests Mortgage life insurance only covers your mortgage balance. Skipping the life insurance medical exam can make sense for several reasons. No Medical Exam Life Insurance. The most popular – and best – alternative to mortgage protection insurance is a standard term life insurance policy. Mortgage Life Insurance. With Mortgage Protection Center, you can get the coverage you deserve without going through the hassle of a medical exam. It’s like a mortgage protection insurance policy in that you pay for the policy for a certain amount of time, but it doesn’t come with all of the strings attached that mortgage protection life insurance does. Simplified Underwriting – No doctor examination required and no health questions asked. Other companies dispatch with a formal medical history but still ask a few basic questions, such as any pre-existing major illnesses and relatives with a history of cancer or heart disease. No medical exam life insurance refers to policies that don’t require a physical exam to qualify for coverage. The insurance company will review the questionnaire and offer you cover at the normal price or at a higher price due to your health. 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