Which type of insurance typically does not require a medical examination?

Group life insurance is the type typically not requiring a medical examination. This is largely because group life insurance policies are issued to a whole group, such as employees of a company, rather than to individuals. When enrolling in a group plan, members are often covered automatically, and the coverage amounts are usually standardized. Consequently, insurers usually forgo medical exams to streamline the enrollment process, making it more accessible for all eligible members.

In contrast, whole life, term life, and universal life insurance are usually issued on an individual basis. These types of policies typically require underwriting processes that involve medical exams or health questionnaires to assess the applicant’s risk profile. The inclusion of medical examinations helps insurers determine the appropriate coverage amounts and premiums based on individual health conditions, lifestyle choices, and life expectancy.