PolicySolutionsLife insurance quotes from a licensed independent agency.
Compare quotes across multiple carriers, many with no medical exam. A licensed PolicySolutions agent stays with you after the policy is issued.
- ✓ No-exam options for many applicants
- ✓ Licensed agents in 25 states
Start a guided quote.
Answer a few questions and a licensed PolicySolutions agent will follow up.
Prefer to talk it through? Call (737) 258-3742 or request a callback — no pressure, just answers.
What “no medical exam” actually means.
“No-exam” isn’t one thing — here’s what the term covers.
Accelerated underwriting
Full-size coverage with no needle for healthy applicants — the insurer verifies risk from data (prescription history, MIB, motor-vehicle records) instead of an exam.
Simplified issue
A short set of health questions and no exam. Useful when accelerated underwriting isn't a fit, often with faster decisions.
When an exam still helps
For larger amounts or certain health profiles, a fully underwritten policy with a quick paramedical exam can unlock a better rate. A licensed agent can tell you which is worth it.
No exam does not mean guaranteed approval: issuance still depends on your answers to the health questions in the application.
Rates are subject to underwriting; your final rate is confirmed when your application is reviewed. A licensed PolicySolutions agent stays with you after the policy is issued.
Life insurance quotes — frequently asked questions
Is it really no medical exam?
For many applicants, yes. Healthy applicants often qualify through accelerated or simplified underwriting with no exam. For larger amounts or certain health histories, a quick exam can secure a better rate — a licensed agent helps you find the right path.
What if I don't qualify?
You still have options. A licensed independent agent can shop carriers that underwrite your situation more favorably — including no-exam, simplified-issue, and guaranteed-issue coverage.
Do I still get help from a real agent?
Always. A licensed PolicySolutions agent stands behind every policy — to answer questions, compare carriers, and make sure the coverage actually fits — the carrier pays the agent, and your premium is the same as going direct.