The following questions are representative of the types of questions you will find on the CRCM (Certified Regulatory Compliance Manager) exam.

1.  A borrower has a right to rescind a loan agreement in all of the following situations except:

a. A line of credit used for the borrower's business, secured by the borrower's primary  dwelling
b. A revolving line of credit secured by the borrower's primary dwelling used to Boost the borrower's home
c. An increase of a line of credit from $5,000 to $10,000 secured by the borrower's primary dwelling
d. A loan to pay off a contract for a deed secured by the borrower's primary dwelling

2.  When opening a deposit account online, Regulation E disclosures MUST be provided at the time of account opening or: 

a. Before the first EFT occurs 
b. Along with the first periodic statement 
c. Within three business days of account opening 
d. Within three business days of a customer's request for the EFT service

3.  The primary responsibility for overseeing a bank’s inherent compliance risk should lie with which of the following?

a. Internal audit
b. Consumers
c. Board of Directors
d. Compliance officer

4.   A branch manager finds an unexplained $7,000 cash shortage in Teller #1's cash drawer. Which of the following actions must the bank take?

a. File a Currency Transaction Report (CTR) with the IRS
b. Discharge Teller #1 immediately
c. Send a notice of adverse action to the bank's federal regulator
d. File a Suspicious Activity Report (SAR)

5.  A compliance professional recently discovered the bank did not file and disclose an accurate covered agreement, as required by the CRA Sunshine Act. In order to ensure correct reporting in the future, what must be provided? 

a. All individual mortgage loans 
b. Grants or loans to fulfill CRA activity 
c. Non-public or confidential information that will be provided in the public file 
d. A copy of the agreement to the regulatory agency 24 months after the end of the term

Answer Key

1. a
2. a
3. c
4. d
5. b

Looking for all the exam and school questions answers in Persona 5 Royal? Well you've come to the right place. Going to school is an important part of your life in Persona 5, and being put on the spot by your teachers is an inevitability.

Some days you'll be asked a general knowledge question, and on others, you'll have to sit through dreaded exams. Answering these questions correctly increases your Knowledge stat by a small amount, and getting high scores on your exams increases your Charm stat by a good amount. You'll also receive a reward from Sojiro back at Leblanc if you talk to him after your exam results are posted.

There are also times where you'll be asked to help out your classmates with a particular question. In these scenarios, choosing the correct answers will bolster your relationship with that character, and you'll still get a small increase to Knowledge.

Below, we've listed all question and exam answers for Persona 5 Royal.

Please note: Persona 5 Royal features both completely different and remixed questions compared to Persona 5. If you're looking for Persona 5 question and exam answers, please find that section at the bottom of this guide, or use the table of contents (below) to go straight there.

Persona 5 Royal School exam Answers

Below you'll find a list of all Persona 5 Royal school and exam answers, organised by month in chronological order.

April

April 12th: Villains
April 19th: They're the same
April 23rd: All of them
April 25th: Helping Ann: You unquestionably support it, You have a duty to correct it
April 27th: Four color theorem
April 30th: Wonder, Child, A prodigy

May

May 6th: Fatal woman
May 10th: The Heian period

Exams Starting May 11th

May 11th

Question 1: Minamoto no Yoshitsune
Question 2 (essay): Minamoto no Yoritomo, Yoritomo won, The weak

May 12th

Question 1: Cognition
Question 2: Both

May 13th

Question 1: The Devil's Dictionary
Question 2: Femme Fatale

May (Continued)

May 16th: The placebo effect
May 19th: Katsushika Hokusai
May 21st: 1:1.414
May 23rd: Together, Senses, Senses coming together
May 26th: Arthur Conan Doyle
May 31st: John Silver

June

June 4th: The halo effect
June 7th: The number of legs
June 8th: Controlling public thought
June 13th: Green
June 15th: Coins
June 20th: Helping Ann: Smartphone
June 23rd: A Pope
June 27th: Dogs
June 29th: Gold

July

July 1st: Barbarian's Head
July 4th: Julius and Augustus
July 7th: Helping Ann: The Milky Way, Traditional Food, Soumen's Noodles
July 9th: A triangle
July 11th: Memories that last a long time, Infinite, Forever
July 12th: Thievery

Exams Starting July 13th

July 13th

Question 1: 64 degrees
Question 2 (essay): Zhuge Liang, Barbarians' heads, To offer them instead of heads

July 14th

Question 1: Red king crab (Paralithodes)
Question 2: It caused confusion in the economy

July 15th

Question 1: Raining cats and dogs
Question 2: Demon Guts

September

September 3rd: Prosperity
September 6th: Chronostasis
September 14th: Money loans for collateral
September 17th: Cats eating human tongues
September 21st: Central Europe
September 24th: 20 white, 12 black
September 28th: Phantom, Vibration, Syndrome
September 29th: Imperial Household Agency

October

October 3rd: Stars
October 6th: Joseph-Ignace Guillotin
October 11th: Bouba

Exams Starting October 17th

October 17th

Question 1: 32 surfaces
Question 2 (essay): It used to be one colour, Black and white picture

October 18th

Question 1: Charles-Henri Sanson
Question 2: It's a hereditary profession

October 19th

Question 1: Slave labor
Question 2: 3 bees in all of Europe

October (Continued)

October 22nd: 15
October 24th: Memory bias

November

November 2nd: A share of stolen goods
November 4th: A sword
November 8th: Any age
November 10th: Crow eyes are hard to see
November 12th: Because the voice is synthetic
November 14th: Because of high altitude
November 15th: His head was put on display
November 17th: Cochleoid

December

Exams Starting December 20th

December 20th

Question 1: D
Question 2 (essay): Over one billion yen, Having his head displayed, Public performance

December 21st

Question 1: Hearts
Question 2: Attend

December 22nd

Question 1: Japan
Question 2: Dreadnought

January

January 11th: Helping Ann: How numerous they are, The Eight Million Gods
January 14th: Iwate
January 18th: Impressive
January 21st: A snake
January 24th: Kind-hearted, Negative, Resentful
January 27th: To friends of friends of friends

How Do You Get Top of the Class in Persona 5 Royal?

Here's how to get top exam marks in Persona 5 Royal:

In order to be top of the class in Persona 5 Royal, you'll need to satisfy these two requirements:

1. Answer all exam questions correctly.
2. Your Knowledge Level must be maxed. This is impossible to achieve in time for your first exam — even if you spend every second of free time studying. In order to top the class for every exam, you'll need to start New Game + with your Knowledge Level already maxed.

Persona 5 School exam Answers

Below is a list of all Persona 5 school exam answers. These answers are different to the ones you'll find in Persona 5 Royal. The list is organised by month, in chronological order.

April

April 12th: Logic
April 19th: C
April 23rd: Singing
April 25th: Knowing your actions are wrong, Conviction that you're right
April 27th: Four
April 30th: Wonder, Child, A prodigy

May

May 7th: A femme fatale
May 10th: Minamoto no Yoshitsune

Exams Starting May 11th

May 11th:

Question 1: An optical illusion
Question 2 (essay): Visual information, Brain, They have different cognitions

May 12th:

Question 1; Magistrate's patronage
Question 2: The name of a sum of currency

May 13th:

Question 1: Ignorance
Question 2: Four

May (Continued)

May 16th: Van Gogh
May 21st: The silver ratio
May 23rd: "Together" and "senses"
May 26th: Arsene Lupin, Gentleman Burglar
May 30th: William Kidd

June

June 4th: They were brightly coloured
June 7th: Hermit crab
June 8th: Dreams
June 11th: Three Olympic-sized pools
June 13th: The Government
June 15th: It'll change colour
June 23rd: Pope Joan
June 27th: Heavy rain
June 29th: Gold

July

July 1st: Baozi
July 4th: Someone pretentious said so
July 7th: Soumen
July 8th: They have the same flavor
July 9th: 180 degrees
July 11th: Luciferin
July 12th: Ishikawa Goemon

Exams Starting July 13th

July 13th:
Question 1: Nouveau riche
Question 2 (essay): Gentleman thief, Toyotomi Hideyoshi, He was boiled alive

July 14th:
Question 1: It's not related to crabs
Question 2: Television

July 15th:
Question 1: B4-size paper
Question 2: Together, Senses

September

September 3rd: Nothing
September 5th: Chronostasis
September 14th: The 19th century
September 17th: A cat
September 21st: Czechoslovakia
September 24th: So it shows up well on TV
September 28th: Phantom, Vibration, Syndrome
September 29th: Fishermen of Nagaragawa

October

October 3rd: Three watermelons in the sun
October 6th: Guillotine
October 11th: A

Exams Starting October 17th

October 17th:

Question 1: Name of the one who proposed it
Question 2 (essay): A doctor, It could execute people quickly

October 18th:

Question 1: It has 32 faces
Question 2: Slave labor

October 19th:

Question 1: Phantom Vibration Syndrome
Question 2: The Imperial Household Agency

October (Continued)

October 22nd: Five
October 24th: It's meaningless

November

November 2nd: Thieves' Cant
November 4th: The Holy Grail
November 8th: Zero
November 10th: An eye
November 12th: It's heavily processed
November 15th: They put makeup on him
November 17th: B
November 18th: The Summit of Mt. Fuji

December

Exams Starting December 20th

December 20th:

Question 1: D
Question 2 (essay): Not their real voice, They speak the same, Supplement the voice

December 21st:

Question 1: Hearts
Question 2: It includes a number

December 22nd:

Question 1: Japan
Question 2: Dreadnought

This article is part of our Persona 5 Royal Guide, which contains All Differences Between Persona 5 and Persona 5 Royal along with Crossword Answers, Exam Answers, Romance Options, How To Get The Best Ending, New Game + details for Persona 5 Royal, and How To Unlock Persona 5 Royal's New Semester Endgame.

Meanwhile, if you're looking for school answers in other Persona games, check these guides out:

Have you aced every Persona 5 Royal school question and exam? Post your results in the comments section below.

This is a non-calculator activity, so make sure you have a pen and paper handy for your working out.

There are ten exam-style questions covering courses such as laws of indices, place value and equations. This activity should take approximately 5-10 minutes to complete.

Try these quizzes based on GCSE past papers and quick-fire questions. By working your way through the questions created by experts, you can prepare for your exams and make your GCSE revision more interesting.

The quizzes are suitable for students working on GCSE maths, biology, chemistry, physics, combined science, computer science and geography studying any awarding body specification.

A career as a nurse practitioner (NP) allows you to choose the population with which you would like to work. Your choice may then dictate a setting, such as a primary care practice or acute care. Nurse practitioners are employed in just about every specialty. They can work to the fullest extent of their nursing license, meaning they can practice independently in a growing number of states.

How Do I Go from RN to NP?

A career as an NP begins with becoming a registered nurse (RN). To become an RN, you will either need to hold an earned diploma or an Associate of Science in Nursing (ASN) from an accredited nursing program. These accreditations are done by organizations such as:

• Accreditation Commission for Education in Nursing (ACEN)
• Commission on Collegiate Nursing Education (CCNE)
• Commission for Nursing Education Accreditation (CNEA)

You may also take a National Council of State Boards of Nursing (NCSBN) approved program that prepares you for the NCLEX exam.

RNs with an ASN or diploma can continue with an online RN to BSN program. Some schools, such as Southern New Hampshire University (SNHU), may require a Bachelor of Science in Nursing (BSN) for graduate studies. When you're ready to take the next step toward becoming an NP, you will need to earn a Master of Science in Nursing (MSN) or Doctor of Nursing Practice (DNP) from an accredited program. There, you'll need to complete specific NP courses and supervised clinical practice hours.

In addition to the advanced graduate education, “nurse practitioners are required to complete a specific number of clinical practicum hours,” said Dr. Nicholas S. Carte, AGPCNP-C, APRN, graduate nursing faculty lead at SNHU.*

How Long Does It Take to Become a Nurse Practitioner?

On average, “it can take about two years of graduate education to obtain the minimum educational requirements to become a nurse practitioner,” said Carte. The two years are based on being a full-time student (two courses per term is considered full-time at SNHU) and starting with a BSN.

The time to complete the degree can vary based on the person and depends on how many classes you take each term. Many learners work full or part-time while in school or have families or other commitments that may not work for a traditional, on-ground NP master's program. An online program is an excellent option for those who wish to obtain a master's degree but need more flexibility.

It’s important to note that education is only one part of becoming an NP. After completing your educational program, including the required clinical hours, you must then pass a nationally recognized NP exam in order to apply for your Advanced Practice Registered Nurse (APRN) license. “One cannot practice as an NP without successfully passing a nationally recognized certification exam,” Carte said.

The exam gauges your knowledge of patient assessment, diagnosis, clinical management, evaluation and APRN professional role dimensions. For family nurse practitioner (FNP) students, there are two choices for national certification exams:

What is the Fastest Way to Become a Nurse Practitioner?

There are no shortcuts to becoming an NP. There are, however, ways to maximize your time as you complete the work necessary to earn the credential.

Some ways include:

• Talking with an admissions counselor at your desired school. Admission counselors can help you identify potential eligibility for transferring credits. They can help you map out a timeline and course of study. They can also share information about the program, its requirements and any unique features, as well as how the school is positioned to help you succeed in meeting your career goals.
• Explore financial aid options. No one wants to leave school heavily in debt, so by mapping out the necessary coursework and timeline toward degree completion, you will also know the financial aspect of the degree. The financial aid department of your school will be happy to help you explore options to make earning your degree cost-effective for you as well.
• Talking to a career advisor at your desired school. Even before enrollment, checking in with the career department of the school that interests you is a great way to gain information about your program. Be sure to ask questions about job placement rates after graduation and the support the school offers to alums.
• Working directly in the field that interests you. If you are an emergency room nurse (ERN) that wants to explore a career as an FNP, for example, consider gaining experience at a family practice clinic in your area. Relevant experience will help you explore nursing specialties as well as boost your skill set in nursing overall.

Do Credentials Differ by State?

All NPs must pass an exam that leads to a national certification. While credentials are awarded by a national organization, it’s important to note that licensing varies by state. “At SNHU, we teach to the highest-level national standards,” said Dr. Jequie Dixon, APRN, AGACNP-BC, clinical coordinator of MSN programs at SNHU.** “That way, nurses who graduate from our nurse practitioner program have the knowledge and skills needed to begin a new career" and become NPs who are well-trained and ready to work.

Some states allow NPs to practice independently. Others require them to work under the oversight of a physician. Every state can set its standards for licensure in terms of clinical hours and type of training needed beyond the master’s degree, as well as for continuing education and national certification.

What Skills Do You Need to Be a Nurse Practitioner?

In addition to the specific educational and clinical requirements for NP certifications, soft skills such as providing compassionate care and the ability to multi-task and communicate effectively are critical. To be an NP in any specific specialty, "you must be focused, organized and flexible," Dixon said.

In a role as busy and complex as an NP, you need to combine interpersonal and technical skills while still showing deep compassion for your patients.

“We’re all very busy, so being able to reach your patients and encourage their participation in their own care is huge,” Dixon said. “If patients don’t understand the need for a certain medication or how to take the medication properly, they simply won’t take it. Then they’ll come back in with the same concerns. This is where compassion and holistic care really make a difference."

What is the Career Potential for a Nurse Practitioner?

The career potential for an NP is quite strong. According to the U.S. Bureau of Labor Statistics (BLS), the NP profession is expected to grow 40% over the next ten years, and the median salary was $123,780 in 2021.

As part of your educational journey, you must choose a population that you wish to focus on, such as:

• Adult-gerontology
• Family practice
• Neonatal
• Pediatrics
• Psychiatric/mental health
• Women

If you decide to become an FNP, for example, you may work to assess patients, diagnose and treat illness, and provide patient education about medication and treatment plans to patients of all ages.

Where Can Nurse Practitioners Work?

Since NPs are needed across all populations, the profession offers several work environments to consider when choosing your path. “A nurse practitioner can pursue a career in a variety of settings, including private practice, group practice or urgent care, to name just a few,” Carte said. Other opportunities for an NP can include roles in clinics, academia and leadership.

Because NPs treat every population, they are also needed in all kinds of geographic locations — cities, suburban areas and rural communities.

Rural communities have a great demand for NPs. "This is because there is a shortage of primary care physicians which provides opportunities for the nurse practitioner," Dixon said. NPs can evaluate patients, manage treatment plans and write prescriptions, as well as get to know their patients on an individual level. These responsibilities help NPs care for patients more holistically and ensure that patients in communities everywhere have access to quality healthcare.

The beauty of the nursing profession is that the demand for nursing care is everywhere. Any community with a goal of improving the health of their citizens — or keep them healthy — needs NPs.

Can Nurse Practitioners Practice Independently?

Currently, 27 states allow nurse practitioners to practice independently, according to the American Association of Nurse Practitioners (AANP). This means they can open their own clinics and treat their own patients without needing a physician to oversee the practice. The ability to practice independently creates a great opportunity for NPs and for the communities they serve.

“You’ll see independent nurse practitioners in more rural states because getting providers there is difficult,” Dixon said. "Physicians tend to work in bigger cities where they can focus on a specialty, so the need for general practitioners in more rural communities is great.”

This is a wonderful trend, in Dixon’s opinion. “The fact that nurse practitioners have independent clinical opportunities in more states and are able to serve even more people is amazing,” she said.

Dixon also feels NPs emphasize helping the patient actively participate in their care.

“If I prescribe amoxicillin, but the patient doesn’t take it because they don’t understand how or why they’re taking it, the problem won't be fixed," Dixon said. But when the patient truly understands the purpose of their treatment plan, they are more apt to participate. The NP’s emphasis on patient education and relationship-building is the bridge.

What’s the Bottom Line?

Working as an NP is a rewarding career. “Therapeutic communication, understanding family needs and caregiver needs are all part of what makes a good nurse practitioner,” said Dixon.

Throughout her career, Dixon has worked as an NP in critical care, aesthetics, oncology, hospital medicine and academia. She decided to add to her nursing training by earning a DNP degree. That degree allows her to train other nurses who want to build on their knowledge and help those who want to learn how to become NPs. She enjoys the flexibility that her profession allows with opportunities “to move around to different clinical areas and new specialties without ever losing momentum.”

Above all, Dixon finds the ability to reach patients in meaningful ways one of the most important aspects of the profession. “Nursing is all about safe patient care, patient education and understanding where the patient is coming from so you can best provide care,” she said.

A degree can change your life. Find the SNHU nursing program that can best help you meet your goals.

Marie Morganelli, PhD, is a freelance content writer and editor.

*Carte's credentials stand for Adult-Gerontology Primary Care Nurse Practitioner-Certified (AGPCNP-C) and Advanced Practice Registered Nurse (APRN).

**Dixon's credentials stand for Advanced Practice Registered Nurse (APRN), Adult-Gerontology Acute Care Nurse Practitioner-Board Certified (AGACNP-BC).

A Regents exam administered to thousands of New York students last week was blasted by critics as “unconscionable and shameful” for including “loaded” questions about Israel.

A group of Jewish leaders and civic organizations ripped a section of the test that showed maps of the changes to Israel’s borders over the decades and asked two questions that gave a “dishonest” impression about the Jewish state’s expansion.

“The maps lack all context,” former state Assemblyman Dov Hikind said. “Specifically that border changes were the result of successive wars started by Arab states to annihilate Israel. Second, the questions, at best, lend themselves to debate, not to singular answers from among false choices.”

Hikind also said that the Global History and Geography Regents II, given last Thursday, included the trope that the Holocaust was the prevailing reason for the state of Israel and that “Zionists and Jewish immigrants” benefited most from the “changing borders.”

“When you show these maps, and ask why the state of Israel was created, it just attributes it to the Holocaust,” said Hikind who added that the Zionist movement toward the Jewish state actually began in the 19th century under Theodor Herzl.

He also complained that the test referred to the Golan Heights region, which was recognized by the US in 2019, as being “annexed” by Israel.

The questions shocked proctors charged with administering the test, he said.

“One proctor was so angry, she was beside herself,” Hikind told The Post. 

Hikind, along with Brooklyn Councilwoman Inna Vernikov and the group Americans Against Antisemitism, are calling on New York State Commissioner of Education Betty Rosa “to swiftly remove the disingenuous questions and conduct a thorough audit to ensure such egregious distortions of history that invariably lead to animosity for the sole Jewish state aren’t being inadvertently fed to our children.”

One of the controversial questions asked, “Which historical event most directly influenced the development of the 1947 plan shown on map A (and showed a map of Israel from 1947).” The possible answers were 1) Russian pogroms, 2) the fall of the Austro-Hungarian Empire 3) Paris Peace Conference 4) the Holocaust, with 4 being the right answer.

The other asked, “Which group benefited most from the changes shown on the maps?” The right answer, according to the test, was “Zionists and Jewish Immigrants.”

“Test transparency can raise legitimate issues of questions’ appropriateness and wording,” said David Bloomfield, education professor at  Brooklyn College and the CUNY Graduate Center. “It’s not a matter of ‘wokeness’ to civilly debate these matters.”

Hikind said that by reducing the creation of the Jewish state to the Holocaust ignores all historical, ancestral and biblical connections of the Jewish people to the land of Israel. “That connection goes back thousands of years.”

This isn’t the first time the Regents has had an Israel problem. 

In 2017, an “anti-Israel” cartoon blasted as “anti-Israel propaganda” was discovered on the Global Studies Regents.

The New York State Education Department said the two questions on Israel were “designed to test students’ knowledge of geography as it relates to historical events.”

“New York State social studies teachers prepared, selected, and reviewed the excerpt and questions on the Global History Regents exam prior to their inclusion,” they added. “All exam questions are reviewed multiple times by NYS-certified teachers and State Education Department subject matter and testing certified to ensure they are not biased, accurately measure the learning standards, and contain no errors.”

No medical exam life insurance — also called simplified issue — offers coverage without a physicals, blood test or urine test. If you need insurance on short notice or have a preexisting condition that would make it hard to pass a medical exam, simplified issue life insurance can be convenient and affordable.

No medical exam life insurance policies

No medical exam policies are available for both term and whole life insurance. One key difference between term and whole life is that the death benefits for whole life coverage without an exam are typically limited to $50,000, whereas term life benefits without an exam can be twice that.

When applying for no medical exam insurance, you'll be asked several questions about your health and medical history, and your responses will be used to determine whether you qualify for coverage. Each insurer has their own list of questions, meaning you may be rejected by one company but find coverage at another.

A life insurance policy that doesn't require any medical screening and doesn't ask for responses to any health questions is called guaranteed issue or guaranteed acceptance.

Regardless of what you're asked, honesty is important. Insurers can cancel your policy during the first two years of coverage without a refund if they find that you lied or misrepresented anything. Keep in mind that even without a health exam, insurers still have ways to confirm the information you provide. Insurance companies regularly check your responses against:

No medical exam term life insurance

If you don't qualify for fully underwritten life insurance and need more than $50,000 in coverage, your best option is a no medical exam term life policy. Term policies are among the cheapest forms of no medical exam insurance and are offered in lengths up to 30 years. They can typically be purchased until age 75, but some insurers restrict term lengths based on age.

When shopping for simplified issue term life insurance, you should make sure the policy is described as "level term" or has guaranteed level premiums for the term length. These phrases mean the life insurance quotes you receive will reflect the price you'll pay for the entire length of the policy.

Some insurers offer a no medical exam term insurance product where quotes are based on your age group (typically a five-year period, such as ages 50–54). With these renewable policies, the term length is essentially one year, and premiums increase each time you enter a new age group. This means the policy becomes incredibly expensive over the course of 15 to 20 years.

As an example, let's say you're a 45-year-old man and want $150,000 of coverage for 20 years. New York Life offers coverage according to your age, so the monthly premium would increase each time you enter a new age bracket.

Even though your initial quote was for $119, the average you would pay over the term would be $182 per month. Over 20 years, you'll have paid $43,680.

If you had a level term policy and paid $119 per month, you would pay $28,560 over the course of 20 years instead — a savings of $15,120. Level term policies are usually more affordable because premiums can vary based on factors other than age, so the insurer can better price your risk profile.

Another product you’ll want to look out for when shopping for life insurance is accidental death insurance, which is similar to term life insurance but only pays a death benefit if you die as the result of an accident. Because only about 5% of deaths are caused by accidents, premiums are cheap and coverage often requires no medical exam. However, accidental death coverage does not apply to natural causes, such as stroke or heart attack.

No medical exam whole life insurance

No medical exam whole life insurance is typically used as a form of final expense insurance, because the coverage is lifelong and death benefits are generally capped at $25,000 or $50,000. After your death, your beneficiaries may receive a payout large enough to cover your funeral, other end-of-life costs and potentially a small loan. However, it won’t be enough to pay for a mortgage or provide income replacement for an extended period.

If you want final expense insurance and do not qualify for traditional coverage, simplified issue whole life insurance will be less expensive than a guaranteed acceptance policy.

Should I buy no medical exam life insurance?

We don't recommend no-exam insurance if you would likely qualify for traditional coverage. No medical exam life insurance is more expensive than fully underwritten coverage and typically provides fewer options. For example, you usually can't increase your death benefit or convert a term policy to permanent coverage. In addition, the medical exam for traditional coverage is free, typically lasts less than 30 minutes and can take place at your home or work, so it’s a fairly easy process if you would likely qualify.

However, you should consider a no medical exam policy if:

If any of these scenarios apply to you, we recommend first looking for an insurer that offers fully underwritten coverage for your situation, as insurance companies all have different restrictions. Independent insurance agents represent multiple companies and are familiar with each insurer's underwriting requirements, so an agent may be able to help you find an insurer that accepts your health profile.

No medical exam life insurance is also useful if you need instant life insurance to secure a personal or business loan, which is a common requirement from institutional lenders. No medical exam policies often provide coverage the same day or may take up to five business days, whereas traditional policies can take several weeks for approval. In these cases, we recommend getting no medical exam coverage and then applying for a fully underwritten term policy. This way, you can satisfy the bank or other lender’s immediate requirements but minimize your long-term costs.

No medical exam versus guaranteed acceptance life insurance

Guaranteed acceptance life insurance is similar to no medical exam coverage, in that you don't need to get a physical or provide blood or urine tests to apply. The main difference is that there are no health questions for guaranteed issue life insurance, so anyone who falls within a particular age range will be accepted. This makes guaranteed issue policies even more costly than no-exam insurance, but they're still a good alternative if you don’t qualify for no medical exam coverage.

Each insurer has its own standards and questions for no-exam life insurance applicants. In general, you should probably consider a guaranteed acceptance policy if:

Guaranteed issue policies are only available for whole life insurance, and coverage is typically less than $25,000. It's usually intended as final expense insurance, offering a death benefit that’s enough to cover a funeral and other costs associated with your death. There are no alternatives for term life insurance without providing some personal information.

No exam term or whole life vs guaranteed acceptance whole life

Because guaranteed acceptance policies offer life insurance coverage without health or medical questions, they generally have a two- to three-year waiting period, during which the insurer will not pay the full death benefit to your beneficiary. Instead, they’ll provide your beneficiary with the amount you've paid in premiums, plus interest (usually 6–10%).

No medical exam life insurance policies usually have no waiting period, but the company will investigate the circumstances of your death if it occurs within the first two years of coverage. If they find any evidence that you died from suicide or provided any misleading medical or personal information during the application process, they can deny the claim, and your beneficiaries won't receive a payout.