What is the best term life insurance without a medical exam?

No-exam term life is usually written as accelerated underwriting or simplified issue. Accelerated underwriting replaces the medical exam with record checks such as pharmacy and driving data, at premiums close to traditional underwriting. Simplified issue uses fewer questions and can turn around same-day, with a greater chance of denial. Note that high coverage amounts or data mismatches can still move a no-exam application into full underwriting.