Disability Insurance Without a Medical Exam

Shawn Plummer, CRPC

Chartered Retirement Planning Counselor

What is Disability Insurance Without a Medical Exam?

Disability insurance without a medical exam is a type of policy that provides income protection if you become disabled and unable to work. Unlike traditional disability insurance, it doesn’t require a medical examination for approval. This option is beneficial for those who have pre-existing medical conditions or prefer a quicker application process.

No Medical Exam Disability Insurance

How Does It Work?

  1. Application Process: You complete an application that includes questions about your health, lifestyle, and occupation.
  2. Approval: The insurer evaluates your application based on your self-reported health information.
  3. Coverage: Once approved, the policy outlines the amount you will receive monthly if disabled and under what circumstances.

Types of No-Exam Disability Insurance

  • Simplified Issue: Requires answering health questions but no medical exam.
  • Guaranteed Issue: No health questions or medical exam, but often has lower benefits and higher premiums.

Discover disability insurance policies that are specifically tailored to meet your needs in The Annuity Expert disability insurance marketplace

No Exam Disability Insurance

Advantages and Disadvantages


  • Faster approval process.
  • Easier for those with health issues to obtain coverage.


  • Potentially higher premiums.
  • May have limited coverage compared to traditional policies.

Who Should Consider It?

Comparison of No-Exam and Traditional Disability Insurance

FeatureNo-Exam Disability InsuranceTraditional Disability Insurance
Medical Exam RequirementNoYes
Approval TimeShorterLonger
Premium CostGenerally HigherVaries
Coverage OptionsOften LimitedMore Comprehensive


Disability insurance without a medical exam offers an accessible way to secure income protection, especially for those with health issues. While it may come with higher premiums and limited coverage, its ease of application makes it a viable option for many. Remember, choosing the right type of disability insurance depends on your individual needs and circumstances.

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Frequently Asked Questions

Do they drug test for disability insurance?

Yes, some disability insurance providers may require drug testing as part of the application process. However, the specific requirements can vary among providers.

What is no medical exam disability insurance?

No medical exam disability insurance provides disability coverage without requiring a medical examination for approval, relying instead on health questions and other non-medical criteria.

How does no medical exam disability insurance work?

No medical exam disability insurance offers coverage based on health questions rather than a physical exam. Applicants are typically approved or denied based on their responses, streamlining the application process.

Who should consider buying no medical exam disability insurance?

Individuals seeking quick coverage approval or those wanting to avoid medical exams due to potential health concerns or privacy reasons should consider buying no medical exam disability insurance.

Are there any limitations to no medical exam disability insurance?

No medical exam disability insurance often has limitations such as lower coverage amounts, potential exclusions based on health questionnaire responses, higher premiums, and certain pre-existing conditions that may not be covered or could result in adjusted rates.

How long does it take to get approved for no medical exam disability insurance?

Approval for no medical exam disability insurance is typically faster than traditional policies, often within days or even hours, depending on the insurer and the applicant’s health information provided.

Shawn Plummer, CRPC

Chartered Retirement Planning Counselor

Shawn Plummer is a Chartered Retirement Planning Counselor, insurance agent, and annuity broker with over 14 years of first-hand experience with annuities and insurance. Since beginning his journey in 2009, he has been pivotal in selling and educating about annuities and insurance products. Still, he has also played an instrumental role in training financial advisors for a prestigious Fortune Global 500 insurance company, Allianz. His insights and expertise have made him a sought-after voice in the industry, leading to features in renowned publications such as Time Magazine, Bloomberg, Entrepreneur, Yahoo! Finance, MSN, SmartAsset, The Simple Dollar, U.S. News and World Report, Women’s Health Magazine, and many more. Shawn’s driving ambition? To simplify retirement planning, he ensures his clients understand their choices and secure the best insurance coverage at unbeatable rates.

The Annuity Expert is an independent online insurance agency servicing consumers across the United States. The goal is to help you take the guesswork out of retirement planning and find the best insurance coverage at the cheapest rates

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