Yes — and the no-exam market has grown substantially in the past five years. Fully-underwritten policies (the traditional path) involve a medical exam, blood work, urine sample, and detailed medical history; pricing is the most competitive but the process takes 4–8 weeks. Accelerated underwriting (offered by an increasing number of carriers for healthy applicants under age 50) approves coverage in days using prescription history, MIB records, and motor-vehicle reports without a physical exam — pricing nearly matches fully-underwritten for qualifying applicants. Simplified-issue policies ask a short health questionnaire with no exam; faster but with higher pricing and lower face-amount limits. Guaranteed-issue policies ask no health questions but have graded death benefits in the first 2 years and the lowest face-amount limits. We pre-qualify you across all four paths to find the right balance of pricing, face amount, and speed.