If you don’t have any serious medical conditions (i.e. HIV, cancer, or diabetes) then you will probably qualify for a 'no medical exam' life insurance policy. In fact, a lot of people who don't have any known health problems do.

If you decide to purchase 'no exam' life insurance, you’ll probably want to get several quotes from insurance companies. Doing so will give you a wide range of options. Quotes for no exam life insurance will include the amount of the insurance along with the monthly premiums you would be expected to pay.

There's one downside to the 'no exam' route -- many insurance companies reduce the total benefit amount than if you had a full medical exam.  However if you’re not looking for a large policy then getting 'no exam' life insurance is really a good choice.

Getting multiple quotes is easy -- an insurance broker usually works with multiple underwriters to give you a range of policy options. The insurance agent will take down your information including the amount of insurance you are looking for. They will then contact insurance agents from different companies to receive quotes for the no exam life insurance. Once they’ve done this they will supply you with the information. From this you can choose the company that best suits your needs.

If you already have a life insurance policy with an insurance company, it's probably a good idea to contact them to see how competitive their 'no exam' policies are. In some cases, you may be referred to an agent who handles their no exam life insurance policies. Either way, they will collect your personal information and then give you a quote. 

When you do decide on a 'no exam' insurance policy, there will still be some documents for you to sign. One of these documents is a medical form where you’ll be asked specific questions about your medical history. It’s critical that you're as forthright as you can be when filling out the medical history documents, because if you pass away from a pre-existing medical condition that wasn't disclosed on your medical form, then your insurance policy might be deemed invalid and whoever you have named as benefactor s won’t receive anything.

Life insurance is an important investment. If you are in good health then give serious consideration to a no exam life insurance policy. It’s the fastest and most convenient and hassle free way to get the coverage your family will need in the event of your death.