The level of "no-exam" varies based on how much information you provide:

Instead of blood work or a nurse visit, insurers use to evaluate you through existing data:

: Best for healthy people; uses data to offer traditional-style rates and high coverage limits (often up to $1M or more).

: Requires a health questionnaire but fewer database checks; often used for smaller policies or by those with moderate health issues.

: Instant reviews of prescription history (to verify medications) and MVR (motor vehicle records) for driving risk.