About this site
No Exam Life publishes research on how life insurance underwriters treat health conditions.
The site exists because of a specific, fixable problem: people are declined by one carrier and conclude they are uninsurable. They are not. They have been assessed against one company's underwriting manual, on one day, and manuals differ enormously. Someone declined at one carrier is routinely issued cover at another on the same medical file.
Almost nothing published about this subject is written to explain it. It is written to capture a lead. Search any condition alongside life insurance and you will find pages that answer nothing and end at a quote form.
What we do instead
We read the underwriting guides, the state filings and the public record, and we publish what they actually say — including where they contradict each other, and including where the information is not public at all.
Every condition page follows the same shape, so you can find the part you need: what the underwriter asks, which numbers move the decision, where the rate class usually lands, and what to do before you apply.
How this is paid for
Where the site earns revenue it is from advertising and clearly labelled sponsored placements, which have no influence on editorial content. If that ever changes, this page changes with it.
What happens if you send us an enquiry
There is no form standing between you and anything published here. Every rate band and underwriting rule we know about is readable without giving us your details.
If you do choose to send an enquiry through the enquiry page, it goes to a person here and is passed to one licensed agent who handles impaired-risk cases. Specifically:
- Your enquiry goes to a single agent. It is not distributed to a panel of lead buyers.
- We do not sell, rent or share your details with anyone else.
- Sending an enquiry does not add you to a mailing list.
- We never ask for a Social Security number.
We are a publisher, not an agency. We do not sell policies and we are not party to anything you go on to buy.
What we are not
We are not an insurance carrier. We are not an agency or a brokerage. We are not licensed to advise you about your individual situation, and nothing here is a recommendation to buy a particular policy.
When a decision actually matters — and it does, because this is money your family may depend on — take it to an agent licensed in your state, ideally one who handles impaired-risk cases. What this site is for is walking into that conversation already knowing what the underwriter is going to look at.
Standards
How we source material, mark estimates and handle corrections is set out in the editorial policy. How we use automated tools is in the AI content policy.