Basics
No Medical Exam Life Insurance: What Ohioans Should Expect
February 5, 2025 · 4 min read
No medical exam policies use health questions and database checks instead of a physical. Approvals can come back in minutes to a few days.
They are a great fit for busy parents, people with needle anxiety, or anyone who wants coverage in place quickly.
Rates can be slightly higher than a fully underwritten policy, but for many Ohio families the speed and simplicity are worth the small premium difference.
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