Life insurance, no medical exam, no waiting period
Insurance companies usually require a medical examination or health-related questionnaires to issue insurance policies. The medical examination is the detailed health analysis of the candidate, whereas a health-related questionnaire only requires answers to a primary health question.
In case of no medical examination, the option available is No Medical Exam Term Life Insurance. There is a simple health-related questionnaire to be filled to purchase this. This policy usually comes without any waiting period, but in case of early death, the companies thoroughly investigate the cause of death. The maximum coverage provided through this policy is $500,000.