Reasons to Get a No-Exam Life Insurance Policy. Mortgage life insurance is a special type of ... qualify for term life insurance because of poor health since this kind of ... whole life insurance policy with no medical questions or exam. You won’t need to take a medical exam for this type of policy either. If you’re denied life insurance for medical reasons, mortgage life insurance allows you to protect your home. This is no medical mortgage protection. 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. You can get insured without answering any questions about the status of your health, or your health history. The most popular – and best – alternative to mortgage protection insurance is a standard term life insurance policy. Best for Quick Coverage: Bestow. If you already have a mortgage, you’ll need to answer a few health questions once your mortgage is issued. If you’re looking for life insurance for diabetics or another preexisting medical condition, know that most no medical exam policies still ask questions about your medical history (known as medical underwriting).You won’t be able to hide your health condition. 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. But there are some no exam policies that ignore your health status altogether, such as guaranteed issue policies. Are you looking for life insurance coverage that doesn't require a medical exam? Bestow is 1 of the top life insurance agencies that does not require a medical exam. You won’t have to do a medical. Simplified Underwriting – No doctor examination required and no health questions asked. With Mortgage Protection Center, you can get the coverage you deserve without going through the hassle of a medical exam. Skipping the life insurance medical exam can make sense for several reasons. It offers a quick online … Mortgage life insurance only covers your mortgage balance. Discover how affordable no questions life insurance protection can fit … Many life insurance rates are dictated in part by health, and many applicants can end up faced with more expensive policies based on medical exam results during the insurance underwriting process. Non-Medical Mortgage Term Life. Mortgage Life Insurance. 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. The insurance company will review the questionnaire and offer you cover at the normal price or at a higher price due to your health. 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. For some people, there is still a bit of work to do. 2. 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. You may not need to answer health questions, either. Others may assume they won’t be able to obtain affordable coverage because of their health and don’t even bother going through with the exam. No medical exam life insurance refers to policies that don’t require a physical exam to qualify for coverage. No Medical Exam Life Insurance. The life insurance company may request: a medical report from your GP; blood tests 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. 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