However, many carriers also offer simplified issue policies (a few health questions, no exam) and guaranteed issue policies (no health questions, no exam at all), which trade a somewhat higher premium for a faster, easier approval process.
Want an answer specific to your situation? A licensed agent can walk through your options in a few minutes.
Call (844) 658-4509An agent can help you decide whether the potential savings from a fully underwritten exam-based policy are worth the extra time compared to a faster no-exam option.