Well, most no exam life insurance plans have higher rates than life insurance that does require a medical exam because they may insure some people who might not otherwise get approved for life insurance if they did take a medical exam.
But, there are some insurers offering no exam life insurance with competitive rates that aren't much higher than life insurance with an exam required.
Usually, rates are at least 10% higher for no exam life insurance compared to life insurance requiring an exam.
However, comparing rates online may help you to find affordable life insurance no exam policies.