NCPT exam Questions - National Certified Phlebotomy Technician (NCPT) Updated: 2023
Medical Phlebotomy exam Questions
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NCPT
National Certified Phlebotomy Technician (NCPT)
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Question: 45
Phil the New Phlebotomy Tech accidently stuck himself with a needle just used to
draw a specimen for a CBC. The patient is a young nun, who assures him, �I
don"t have anything you need to be worried about.� Phil the New Phlebotomy
Tech squeezes the site to promote bleeding, washes his puncture site, applies a bit
of antibiotic ointment and a bandage over the site, and promises himself to be
much more careful. What (if anything) has Phil done wrong?
A. Phil has not done anything wrong.
B. Phil did everything wrong!
C. Phil did not use tincture of iodine on his puncture site.
D. Phil did not notify his supervisor or otherwise report the injury as the
guidelines of his facility instruct.
Answer: D
Phil did not report the injury. Needle sticks must be reported immediately after
the occurrence. Each facility has guidelines on the proper reporting system. The
occupational health department of the facility will offer confidential counseling,
treatment and follow up care, if needed.
Question: 46
Between runs, Phil the New Phlebotomy Tech conducts control tests on new
shipments, and checks the lot numbers for designated factors. Phil understands
that this is part of his job duties. Which of the following is also part of Phil"s job
duties?
A. The clinical laboratory"s quality assurance plan.
B. JCAHO standards.
C. The hospital"s total quality management plan.
D. All of the above.
Answer: D
The quality control tests Phil conducts and the logs and lot number checking tasks
he completes when shipments are received are part of JCAHO (Joint Commission
on Accreditation of Healthcare Organizations) standards for clinical laboratories.
They are therefore part of a hospital"s total quality management plan, and,
ultimately, the clinical lab"s quality assurance plan.
Question: 47
Phil the New Phlebotomy Tech is working in the outpatient lab. A patient has
come in for a drug screening of urine. Phil places a tamper-proof urine collection
cup in the bathroom designated for drug screening. After receiving the urine from
the patient, Phil immediately examines the color of the urine, as well as noting the
temperature. He notes his observations and initiates the chain of custody form.
Why did Phil examine the color and temperature of the urine sample?
A. Phil is a curious fellow.
B. Phil is checking for evidence of tampering.
C. Phil is checking for signs of dehydration.
D. Phil is determining if drugs are present.
Answer: B
Phil is checking for evidence of tampering. Many chemicals, fluids, and
commercially available products can be used to skew drug-screening tests. Many
urine collection devices intended for this type of testing are not only tamper
proof, but made with a temperature sensitive strip to measure the temperature of
the urine. Acceptable urine temperature is about 95-99 degrees. Urine should also
be visually examined for color and turbidity. If Phil suspects tampering, he must
request a second sampling. A second trial may require direct observation of the
specimen collection process.
Question: 48
The word partglyc/o means:
A. Salt
B. Potassium
C. Glucose
D. None of the above
Answer: C
Glyc/o is a word root that means sugar or, more specifically, glucose. When large
amounts of glucose are stored in the body, they are directed to the liver where
they are converted to the storage substance known as glycogen.
Question: 49
The purpose of an incident report is:
A. To get your story in before the patient does.
B. Report an incident.
C. Tell on a co-worker anonymously.
D. Admit wrong doing in writing.
Answer: B
An incident is required for any kind of incident, it should be completed within
twenty-four hours of an occurrence. It is an internal document used to document
the details of an unusual event. Incidents are not only patient injuries, an incident
can be a visitor tripping, or missing patient belongings, or using the wrong
colored topped tube. Incidents reports are not an admission of guilt, simply a
report of the incident.
Question: 50
A ___________________ is a word part that comes at the beginning of a medical
term:
A. Prefix
B. Suffix
C. Combining vowel
D. None of the above
Answer: A
A prefix is a word part that comes at the beginning of a medical term. A prefix is
a word part that adds meaning to a combining form to provide it a more precise
definition. For example, the prefix pre- means before. Someone who is getting
prenatal care is getting care before the birth of a baby.
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Depending on the type of life insurance coverage you want and the company you’re working with, you might need to have a medical exam before you’re approved for coverage. Read on to learn what you’ll need to know about your medical exam and how you can prepare to be approved for the best possible life insurance policy.
What is a Life Insurance Medical Exam?
A life insurance medical exam is similar to a routine physical that you would receive at a doctor’s office each year. However, this exam is requested and paid for by your prospective insurer. You may be able to take it in a doctor’s office, or a paramedical company might administer the test.
The specific tests included with your medical checkup vary based on your age and the insurance company you’re shopping with. Common tests include:
- Blood work
- Urine
- EKG
- X-rays
- Cognitive ability testing
- Treadmill stress test
Most exams also include paperwork, wherein medical examiners ask about medical history, illnesses that run in your family, and your accurate health history. Have on hand your personal data, a list of all the medications you take, your current dosages, and information on any diagnoses you’ve received from a medical professional.
Why Life Insurance Companies Require a Medical Exam
When you submit your application to a life insurance company, it begins the underwriting process. Underwriting determines what you’ll pay in premiums, assuming you’re approved for coverage. During underwriting, insurance professionals assess everything they can about your overall health to estimate your life expectancy.
While it sounds morbid, underwriting is essential for the insurance company to determine your risk as a policyholder before offering a quote for life insurance.
If you’re applying for a permanent life insurance policy or a policy with a large death benefit, you’re asking your insurer to take on significant risk. Before the insurance company agrees to take on this risk, it wants to know that you don’t have any major health issues or medical conditions that could cause you to die soon after getting your coverage.
By requiring a medical exam, insurance companies get a more detailed look at your overall health and gain the ability to evaluate the likelihood that you’ll develop a chronic health condition like diabetes or have a serious event like a stroke or heart attack.
Whether you’ll need a medical exam before getting life insurance largely depends on the type of policy you’re looking to buy. Limited-risk policies like term life insurance plans usually don’t require a physical exam.
However, every insurance company will ask you to fill out some type of basic health questionnaire before determining how much you’ll pay each month to maintain coverage. If you want whole life insurance, expect to have a medical exam.
How to Get a Life Insurance Medical Exam
To get a life insurance medical exam, request a quote from your insurance provider. You probably won’t need an exam if you apply for term life or a whole life policy with a limited death benefit. And if you don’t need an exam, you might be able to buy your policy entirely online.
If you want to buy whole life insurance, you’ll likely be prompted to contact an insurance company representative, or a representative will reach out to you. The representative will schedule your exam and provide a range of options for how and when to take your test. Ask questions like whether you should fast before the exam and what types of tests will be included.
You may be able to view the results of any exam, depending on the company that administers the test and your insurance company. Some paramedical companies allow you to see results online in as little as 12 hours, which can quell any anxiety you might have about your experience. Contact the paramedical company’s customer service to request a copy of your results, and keep that copy. Your insurance company will follow up to discuss your results after receiving the results and finishing the underwriting process.
Cost of a Life Insurance Medical Exam
When it comes to life insurance, many customers assume they’ll have to see their primary care doctor and pay for the exam. That’s not usually the case. The insurance company typically schedules the exam and covers the cost.
Insurers consider exams part of the cost of doing business. In fact, they pay for the exam even if you don’t get approved for coverage or if you decide not to buy the policy.
Depending on the tests required, your health issues, the amount of coverage you desire, and the insurance company, you might be able to complete the exam at home. Some insurance providers also offer paramedical offices that can come to your workplace to provide more convenient testing.
Your provider will contact you to schedule any medical exam. Delaying it won’t help. In fact, delays can increase the cost of coverage if you’re already in poor health.
The Bottom Line
If you have a terminal illness or a serious medical condition, finding coverage can be challenging. You want to purchase enough coverage to ensure that your loved ones will be covered after you pass, but the added medical exam may make it difficult to get the best life insurance if you have health issues. However, you have options to find affordable life insurance, no matter your situation.
First, not every life insurance policy requires an exam. The best no-exam life insurance policies can be purchased entirely online, offering term coverage after answering just a few short questions. While these policies may not ensure a death benefit payout for your loved ones following your passing, term life insurance can provide you peace of mind — even when living with a terminal illness or a serious health condition.
Sarah Horvath is one of the home service industry’s most accomplished writers. Her specialties include writing about home warranties, insurance, home improvement and household finances. You can find her writing published through distributors like HouseMethod, Architectural Digest, Good Housekeeping, and more. When not writing, she enjoys spending time in her home in Orlando with her fiance and parrot.
SPRINGFIELD — Springfield Technical Community College (STCC) will offer two healthcare courses, emergency medical technician (EMT) and phlebotomy certification, starting in June.
The EMT course, which begins Tuesday, June 6, is open to anyone 18 and older, while the phlebotomy course, starting Tuesday, June 20, is for people working in approved healthcare worker roles.
The EMT course, which runs June 6 through Aug. 19, covers all medical concepts and techniques used to provide emergency care in pre-hospital settings. The program teaches skills such as cardiopulmonary resuscitation and automated external defibrillation, among other EMT skills. On-campus labs are Tuesday from 8 a.m. to noon.
The class is a mixture of online and in-person work. For more information and to register, visit stcc.io/emt.
The phlebotomy for healthcare workers class, open to anyone licensed in various medical fields, runs June 20 through July 11. Class hours are 9 a.m. to 2:30 p.m., and labs for the course will be held in-person on the STCC campus.
The non-credit course, offered through the Workforce Development Center at STCC, prepares students to take the exam to become a certified phlebotomist in Massachusetts. The class is designed to teach workers in certified healthcare positions to draw blood for diagnostic procedures.
Anyone interested in taking the class should have a current healthcare certification in at least one of the following healthcare roles (those with certification in other healthcare fields not listed may be eligible):
certified nursing assistant (CNA), emergency medical technician (EMT), patient care technician (PCT), certified medical assistant (CMA), licensed practical nurse (LPN), certified electrocardiogram technician (CET), or certified dental assistant (CDA).
Certified phlebotomists can work in emergency rooms, clinics, doctor’s offices, and bloodmobiles, among other healthcare venues. The fee for the class includes the National Healthcare Assoc. Exam.
To enroll online and learn more about this course, visit www.stcc.edu/wdc/healthcare and click the ‘phlebotomy certification for healthcare workers’ link.
For more information, contact the Workforce Development Center at (413) 755-4225 or [email protected].
Unless you’re remarkably lucky, if you live long enough in the U.S., you’re eventually going to be hit with a medical bill so large it will make your jaw drop. Even if you’ve been lucky enough to avoid this nightmare yourself so far, you certainly know someone a medical bill horror story. Through all the shock and confusion you may wonder: Is there a right way to tackle a medical bill filled with unexpected charges?
The first thing to remember is that there is a lot of erroneous billing going on out there. The next time you get a medical bill, it’s worth making a phone call (or two, or one hundred...) to find out if you actually have to pay it—there’s a chance it was billed to you in error. Whether human error, technical glitch, or deliberate scam, the bottom line is that you should understand exactly what you’re paying for before you cough up a cent.
Sadly, our healthcare system makes patients responsible for ensuring they’re staying in-network, double-checking bills for errors, and advocating for their own low-cost care. To get you started, here are three questions you should ask before you pay an unfair medical bill.
Can I see an itemized bill?
A medical bill can be a mess of confusing codes and intentionally vague charges. Always ask to receive an itemized bill to make sure you’re not being overcharged for services you may not have even received. Despite hype about this hack you may see online, an itemized bill won’t necessarily slash your costs in half. One may, however, provide you the leverage to argue against fraudulent charges or human mistakes on your bill.
In reviewing the itemized bill, ask yourself: Do I recognize all the charges? Are the dates and providers correct? To determine this, you’ll want to compare the bill with the explanation of benefits (EOB) you should have received from your insurance. On that note...
Has my insurance been billed properly?
If a bill is higher than expected, confirm your insurer has been billed correctly. When you compare your itemized statement to the explanation of benefits provided by your insurer, you’ll be able to see whether they were billed for the same services. What you’re looking for is a charge on your statement that does not appear on the EOB, so that you contact your provider to request your insurer be billed for that service, too.
How much will this cost?
Your best defense against an unexpectedly high medical bills? Be proactive before the bill arrives. While you’re still at the hospital, doctor’s office, or pharmacy, ask your cost questions ahead of time: How much will this cost? Are there low-cost alternatives? Do I absolutely need this procedure/test/treatment?
Asking these sorts of questions this will help you avoid painful and potentially futile negotiations down the line. It’s bleak, but this is also our current reality. So at the very least, make sure you’ve asked all the questions above before you wind up paying an unfair bill.
We scored companies based on these measurements:
Price (50% of score): We averaged the no-exam life insurance rates for males and females in excellent health at ages 30, 40 and 50 for $500,000 and $1 million and a term length of 20 years.
Maximum face amount for lowest eligible age (10% of score): Companies with higher no-exam life insurance coverage amounts for the lowest age earned more points. Note that maximum no-exam coverage can sometimes become lower if you apply at a higher age.
Age eligible for best length/amount (10% of score): Companies offering no-exam life insurance to folks over age 50 earned extra points.
Accelerated death benefit available (10% of score): This important feature lets you access part of your own death benefit in the event you develop a terminal illness
Option to convert to a permanent life insurance policy (10% of score): This is a good option to have in place if you decide you want a longer policy, especially if your health has declined and you don’t want to shop for new life insurance.
Guaranteed renewals (5% of score): This option lets you extend the coverage after your initial level term period has expired, such as at the end of 10, 20 or 30 years.
Renewal rates can be significantly higher, but renewing can provide extended coverage to someone who may no longer qualify for a new life insurance policy because of health.
Median time from application to approval (5% of score): We gave more points to companies with lower no-exam life insurance approval times.
The timeline for approval could be within seconds or a month, depending on the company and possibly even your health.
Sources: Bestow, Ethos, Fabric, Haven Life, Ladder, Policygenius and Forbes Advisor research.
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- ChatGPT has already passed the US Medical Licensing Exam, the test all doctors must take.
- Now radiologists say it can also pass their specialist board exam.
- But ChatGPT still makes many "illogical and inaccurate assertions," and it can't read an X-ray.
ChatGPT is becoming a great medical test taker.
Its latest and most advanced version, ChatGPT-4, can already pass the US Medical Licensing Exam with flying colors. And now, it's moved one step closer to becoming a specialized physician. Well, sort of.
On Tuesday, scientists announced that the latest chatbot software from OpenAI can handily pass a Canadian or US-style radiology board exam – scoring more than ten points above the 70% passing threshold.
But there's a catch: Because ChatGPT is only designed to process language (so far), the AI's radiology exam didn't include any images. Feels like kind of a major oversight for a branch of medicine concerned with diagnosing based on X-rays, MRIs, and other body pictures.
ChatGPT did well on 'challenging' questions, but got some of the basics of radiology wrong
© SCIENCE PHOTO LIBRARY/Getty Images SCIENCE PHOTO LIBRARY/Getty Images
ChatGPT has shown itself to be a formidable test taker — it's passed exams including the SAT, the bar exam, and even the challenging master sommelier tests.
On the radiology exam, ChatGPT-4 delivered a passing score of 81%. The bot scored particularly well on higher-order thinking questions that require skills beyond just memory recall, like analysis, synthesis, and evaluation; ChatGPT-4 did well at describing imaging findings (85%), and applying concepts (90%). But it didn't do so great on some of the more straightforward questions on the test, and actually got 12 of those questions wrong that its predecessor, GPT 3.5, got right.
"We were initially surprised by ChatGPT's accurate and confident answers to some challenging radiology questions," study author Dr. Rajesh Bhayana, an abdominal radiologist at Toronto General Hospital, said in a press release. "But then equally surprised by some very illogical and inaccurate assertions."
Why ChatGPT is increasingly good at acing hard tests
At its core, ChatGPT is simply designed to predict the best next word to spit out – in other words, it's built to chat you up. That chattiness can easily be harnessed to pontificate on exams, producing a very confident (but sometimes wrong) test taker.
Brown computer science professor Ellie Pavlick, a natural language processing expert, says this issue isn't unique to chatbots. She's always struggled to tell whether students really grasp the concepts she's taught based on their written exam answers.
"If you provide some well-constructed language, it seems like you know, but maybe you do, maybe you don't," Pavlick said during a accurate ChatGPT roundtable at Brown University. "This is a nice indication of why we kind of want to attribute much more knowledge and awareness to ChatGPT than it actually really has, because there's just something about well-constructed language that can really mask [poor] understanding."
Doctors say that ChatGPT shouldn't be used to diagnose or treat patients, and should always have its medical accuracy checked by a person. But medical experts are also discovering how ChatGPT can be a nice tool for improving a doctor's communication with their patients. It is precisely because ChatGPT excels at banter that it is often regarded as more compassionate than hurried doctors.
Doctors can sometimes identify the causes of a person’s headache with a physical exam. During the exam, they look for any signs of underlying conditions and explore the person’s history to establish whether the headaches follow any patterns.
Many people experience headaches from time to time. The National Institute of Neurological Disorders and Stroke (NINDS) explains that they vary in severity and frequency.
People usually get medical help when their headaches are so frequent and painful that they interfere with their daily activities.
Doctors describe headaches as pain in a person’s head or neck. Common types include tension headaches, migraine, and cluster headaches.
The NINDS explains that these are called primary headaches and do not indicate an underlying condition.
Some infections, seizures, tumors, or strokes, can cause headaches. These are called secondary headaches, and doctors will rule these out during a physical exam.
This article explains what happens during a physical exam for headaches. It explains what to expect and why doctors may ask about the person’s lifestyle and medical history.
Doctors perform physical exams to help them work out why a person is experiencing headaches.
Part of this involves taking a detailed look at the person’s medical history and lifestyle to see whether there are any contributing factors.
Doctors use a physical exam to rule out underlying conditions or current infections that may link to a person’s headaches.
These include sinus infections, toothaches, and head injuries.
Doctors then look for patterns in a person’s headaches that may indicate whether they result from migraine, tension headaches, or cluster headaches. This helps them decide on the best course of treatment.
When performing a physical examination for headaches, a doctor will check a person’s vital signs, blood pressure, reflexes, and temperature. They will also check to see whether a person is calm or restless in a dark room.
They will also:
- perform a neurologic examination to look for:
- visual changes
- weakness
- tingling
- challenges maintaining balance
- check for tenderness or swelling of the:
- scalp, as this could indicate injury
- temporal artery
- two joints that connect the lower part of the jaw to the skull
- middle part of the throat behind the mouth
- examine the eyes to check for symptoms such as:
- changes in a person’s visual field
- the size of the pupil
- the eyes’ tear production and response to light
- check for tooth pain
- examine the neck to identify stiffness or discomfort, as this could indicate meningitis
- examine the cervical spine for tenderness
Medical history and questions
Before the physical exam, doctors usually ask questions about the person’s general health and medical history.
The NINDS explains that this will include questions about any medications the person takes, prescribed or otherwise, and whether or not there is a family history of migraine or other types of headaches.
The NINDS recommends keeping a headache diary to help the person explain their symptoms and highlight any possible patterns or behaviors that lead to headaches.
They suggest noting:
- the location of the headache and where the person feels the most pain
- how severe the pain is
- the type of pain — this may be throbbing, stabbing, or dull
- whether or not the person experiences any sensitivity to light, smells, or sounds
- what time of day it happens
- how long the pain lasts
- any changes in sleeping habits
- whether or not the headaches coincide with a person’s menstrual cycle
- potential food triggers or whether a person consumes alcohol or caffeine
- sensations of nausea, vomiting, or dizziness
- whether or not the person has performed strenuous exercise
Doctors may also ask how much screen time a person has each day, whether or not they take regular breaks from screens, and whether exercise, bowel movements, or coughing triggers the headaches.
If doctors suspect that a person’s headaches are because of an underlying condition, they may recommend additional tests, according to the NINDS.
The tests may include blood and urine tests to check for infections or toxins and neurological exams to check a person’s nervous system.
Occasionally, doctors recommend imaging tests, such as MRIs or CT scans, to look for:
Doctors can usually diagnose migraine, tension headaches, and cluster headaches during a physical exam and will recommend treatments depending on the type.
Doctors may recommend lifestyle changes for those with primary headaches. These may include keeping hydrated, eating a balanced diet regularly, and reducing stress or anxiety.
They may also prescribe medications for the different types of primary headaches.
If the doctor suspects the underlying cause of the headaches is another condition, such as a seizure disorder, stroke, or tumor, a person may need immediate and specialized care.
If the headaches are due to a treatable condition, such as an infection, doctors will start treatment as soon as possible. This may involve antibiotics, pain relief, and rest.
Many people contact a doctor about headaches when they interfere with their daily activities. But some headaches can indicate a serious health condition requiring immediate care.
The NINDS recommends getting urgent attention if a person has:
- a sudden headache with a stiff neck
- headaches that worsen as days pass
- any traumatic head injuries
- a headache and loss of feeling in any part of the body
- convulsions
- any headaches that leave the person confused or experiencing double vision
- a headache that changes with position
A person must also contact a doctor if they notice a change in the pattern of headaches they typically experience.
During a physical exam for headaches, doctors may ask the person about the type of pain they are experiencing and any additional symptoms, including sensitivity to light or fevers.
They will also discuss the person’s medical history and whether or not they have any family members with similar symptoms.
Doctors can usually identify primary headaches during a physical exam but may recommend further tests to check for underlying conditions.
The Georgia Public Safety Training Center (GPSTC) in cooperation with West Georgia Technical College (WGTC) and the Governor’s Office of Highway Safety (GOHS) recently completed their tenth Law Enforcement Phlebotomy Course. Since its inception in October of 2021, the program has trained 153 law enforcement officers, representing 68 different agencies, to be phlebotomists.
Officers participating in the phlebotomy program undergo 10 hours of online training and 32 hours of classroom training. The Georgia Public Safety Training Center oversees the training program, and Dr. Phyllis Ingham, Program Director for Medical Laboratory Technology and Phlebotomy at WGTC provides all of the phlebotomy training. Upon successfully completing the training program, the officers have the same qualifications as phlebotomists who work in hospitals, doctor’s offices, and other licensed medical facilities in Georgia.
“It is an honor to be selected to be a small part of this West Georgia Technical College community partnership assisting the state of Georgia and the law enforcement agencies in keeping our roadways a safer place to travel by removing impaired individuals from driving under the influence,” Ingham said. “We now have over 150 qualified law enforcement phlebotomists in the state with more than 2000 blood draws and a 94% success rate in the field even with the difficult cases and bad veins they encounter.”
Training officers to become qualified phlebotomists assists in the prosecution of DUI cases with the inclusion of critical toxicology evidence at trial. Obtaining the blood evidence sooner in the investigative process provides a more accurate measure of the blood content of a suspected impaired driver, and not having to wait for a blood test to be performed by a third party allows officers to return to their patrol duties, GOHS said.
“No doubt this training has saved countless lives and strengthened impaired driving cases throughout Georgia,” said Michael Blute, Drug Recognition Expert (DRE) Program Coordinator and Law Enforcement Phlebotomy Coordinator for GOHS. “The partnerships of the three agencies are vital to continuing the program in the coming years.”
West Georgia Technical College, with campuses in Carroll, Coweta, Douglas, Haralson, and Troup counties and class sites in Heard and Meriwether counties, offers more than 120 associate degree, diploma, and technical certificate programs of study. A unit of the Technical College System of Georgia, West Georgia Tech is one of the largest of the state’s 22 technical colleges. For more information, please visit www.westgatech.edu.
In the market for life insurance but want to skip the medical exam for one reason or another?
Here are the best no-exam life insurance policies from highly rated U.S. companies. Some of these policies ensure acceptance regardless of your health, while others require you to answer a few health questions to qualify for coverage.
Best no medical exam life insurance for June 2023
Our top picks for this category earned a NerdWallet rating of at least 4.5 out of 5 stars.
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No exam but you may have to answer medical questions. |
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No exam but you may have to answer medical questions. |
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No exam or medical questions (whole life). No exam but you may have to answer medical questions. (term life). |
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No exam but you may have to answer medical questions. |
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No exam but you may have to answer medical questions. |
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NerdWallet rates insurers at the company level, not the policy level. This means our star rating reflects the company as a whole, and not its no-exam insurance life policy specifically. |
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How we ranked the top life insurers
NerdWallet’s life insurance ratings are based on consumer experience, complaint index scores from the National Association of Insurance Commissioners for individual life insurance, and weighted averages of financial strength ratings, which indicate a company’s ability to pay future claims. Within the consumer experience category, we consider ease of communication and website transparency, which looks at the depth of policy details available online. To calculate each insurer’s rating, we adjusted the scores to a curved 5-point scale.
These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines.
How we review life insurance companies
In our life insurance reviews, our editorial team considers the customer and the insurer. These are some of the factors we take into account:
-
Term life insurance offers temporary coverage and a guaranteed payout if the policyholder dies during the term.
-
Permanent life insurance typically lasts a lifetime and builds cash value that can be borrowed against in the future.
-
No-exam life insurance issues coverage without the need for a medical exam.
Financial strength. We use AM Best ratings to confirm an insurer’s long-term financial stability and ability to pay claims. For life insurance, NerdWallet typically recommends considering insurers with ratings of A- or higher. Here’s the breakdown:
Complaints. These ratings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. The best life insurance companies have fewer than the expected number of complaints.
Buy online. This indicates whether an insurer allows you to apply for and buy a policy completely online.
Best no-exam life insurance policies in 2023
Learn more about each company in our top list by memorizing the brief summaries below and checking out the NerdWallet review links.
Best online experience
Haven Life
Bottom line: The company’s website is informative and user-friendly, making it easy to buy coverage online.
Financial strength ratingThese ratings indicate an insurer’s ability to pay future claims.
Exceptional
Online purchaseThis indicates whether the company offers a way to apply for and purchase policies entirely online.
Yes
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Far fewer than expected
Policies offeredTerm policies last a set number of years, while permanent policies typically last a lifetime. No-exam policies don’t require a medical exam.
Term & no-exam
- Backed by longstanding insurance company, MassMutual.
- Sleek online application.
- Additional financial services available in most states at no charge.
- Term life insurance can't be converted to permanent coverage.
Known for its user-friendly website and quick application process, Haven Life offers no-exam term policies up to $1 million. Like many no-medical exam policies, you may still need to answer questions about your health and lifestyle.
Best online experience
Haven Life
Bottom line: The company’s website is informative and user-friendly, making it easy to buy coverage online.
Financial strength ratingThese ratings indicate an insurer’s ability to pay future claims.
Exceptional
Online purchaseThis indicates whether the company offers a way to apply for and purchase policies entirely online.
Yes
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Far fewer than expected
Policies offeredTerm policies last a set number of years, while permanent policies typically last a lifetime. No-exam policies don’t require a medical exam.
Term & no-exam
- Backed by longstanding insurance company, MassMutual.
- Sleek online application.
- Additional financial services available in most states at no charge.
- Term life insurance can't be converted to permanent coverage.
Known for its user-friendly website and quick application process, Haven Life offers no-exam term policies up to $1 million. Like many no-medical exam policies, you may still need to answer questions about your health and lifestyle.
Haven Life no-exam policy details
Policy name: Haven Simple.
Coverage: $25,000 to $1 million.
Application: No exam, but you may have to answer questions about your health.
Best for temporary coverage
USAA
Bottom line: If you need quick, temporary coverage, USAA’s Essential Term Life policy renews annually and offers $100,000 of coverage without an exam.
Financial strength ratingThese ratings indicate an insurer’s ability to pay future claims.
Exceptional
Online purchaseThis indicates whether the company offers a way to apply for and purchase policies entirely online.
No
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Fewer than expected
Policies offeredTerm policies last a set number of years, while permanent policies typically last a lifetime. No-exam policies don’t require a medical exam.
Term, permanent & no-exam
- Had fewer than the expected number of complaints compared to other companies.
- Some policies include free perks for military personnel, such as a $25,000 severe injury payment.
- Option to add $100,000 coverage to its term life policy after a major life event.
- Some policies not available in New York or Montana.
If you need a life insurance policy quickly, but for only a short period of time, you may want to consider USAA’s Essential Term Life Insurance policy. This no-medical exam policy renews each year up to age 39, giving you increased flexibility.
Best for temporary coverage
USAA
Bottom line: If you need quick, temporary coverage, USAA’s Essential Term Life policy renews annually and offers $100,000 of coverage without an exam.
Financial strength ratingThese ratings indicate an insurer’s ability to pay future claims.
Exceptional
Online purchaseThis indicates whether the company offers a way to apply for and purchase policies entirely online.
No
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Fewer than expected
Policies offeredTerm policies last a set number of years, while permanent policies typically last a lifetime. No-exam policies don’t require a medical exam.
Term, permanent & no-exam
- Had fewer than the expected number of complaints compared to other companies.
- Some policies include free perks for military personnel, such as a $25,000 severe injury payment.
- Option to add $100,000 coverage to its term life policy after a major life event.
- Some policies not available in New York or Montana.
If you need a life insurance policy quickly, but for only a short period of time, you may want to consider USAA’s Essential Term Life Insurance policy. This no-medical exam policy renews each year up to age 39, giving you increased flexibility.
USAA no-exam policy details
Policy name: Essential Term Life Insurance (not available in Arizona or New York).
Coverage: $100,000 (renews each year to age 39).
Application: No exam, but you may have to answer questions about your health.
Best for senior members
AARP
Bottom line: Great option for senior AARP members. Older applicants can get coverage without answering any medical questions or taking an exam.
Financial strength ratingThese ratings indicate an insurer’s ability to pay future claims.
Exceptional
Online purchaseThis indicates whether the company offers a way to apply for and purchase policies entirely online.
No
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Fewer than expected
Policies offeredTerm policies last a set number of years, while permanent policies typically last a lifetime. No-exam policies don’t require a medical exam.
Term, permanent & no-exam
- No medical exams required.
- Fewer than the expected number of complaints to state regulators.
- Anyone age 50 and up can get access through AARP membership.
- Term life insurance premiums rise every five years.
For senior applicants, AARP stands out for offering whole insurance with guaranteed coverage, which means you won’t have to take a medical exam or answer health questions. AARP also offers simplified issue term life insurance, if you’re willing to answer health questions.
Best for senior members
AARP
Bottom line: Great option for senior AARP members. Older applicants can get coverage without answering any medical questions or taking an exam.
Financial strength ratingThese ratings indicate an insurer’s ability to pay future claims.
Exceptional
Online purchaseThis indicates whether the company offers a way to apply for and purchase policies entirely online.
No
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Fewer than expected
Policies offeredTerm policies last a set number of years, while permanent policies typically last a lifetime. No-exam policies don’t require a medical exam.
Term, permanent & no-exam
- No medical exams required.
- Fewer than the expected number of complaints to state regulators.
- Anyone age 50 and up can get access through AARP membership.
- Term life insurance premiums rise every five years.
For senior applicants, AARP stands out for offering whole insurance with guaranteed coverage, which means you won’t have to take a medical exam or answer health questions. AARP also offers simplified issue term life insurance, if you’re willing to answer health questions.
AARP no-exam policy details
Policy name: Level Benefit Term Life Insurance.
Issue age: 50 to 74 for AARP members (45 to 74 for partners and spouses).
Coverage: $10,000 to $150,000 (up to $100,000 for New York residents).
Application: No exam, but you may have to answer questions about your health.
Policy name: Guaranteed Acceptance Life Insurance.
Issue age: 50 to 80 for AARP members and 45 to 80 for partners and spouses (50 to 75 for members and spouses in New York).
Application: No health questions or exam.
Best for customization
Country Financial
Bottom line: A range of life insurance riders can be added to both term and whole life policies so you can customize your coverage.
Financial strength ratingThese ratings indicate an insurer’s ability to pay future claims.
Exceptional
Online purchaseThis indicates whether the company offers a way to apply for and purchase policies entirely online.
No
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Fewer than expected
Policies offeredTerm policies last a set number of years, while permanent policies typically last a lifetime. No-exam policies don’t require a medical exam.
Term & permanent
- Offers multiple insurance products.
- Not available in all states.
If you want a no-medical exam policy you can customize to your liking, Country Financial might be right for you. The company sells no-medical exam term and whole life with several riders you can add-on, including accelerated death benefits and child term insurance.
Best for customization
Country Financial
Bottom line: A range of life insurance riders can be added to both term and whole life policies so you can customize your coverage.
Financial strength ratingThese ratings indicate an insurer’s ability to pay future claims.
Exceptional
Online purchaseThis indicates whether the company offers a way to apply for and purchase policies entirely online.
No
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Fewer than expected
Policies offeredTerm policies last a set number of years, while permanent policies typically last a lifetime. No-exam policies don’t require a medical exam.
Term & permanent
- Offers multiple insurance products.
- Not available in all states.
If you want a no-medical exam policy you can customize to your liking, Country Financial might be right for you. The company sells no-medical exam term and whole life with several riders you can add-on, including accelerated death benefits and child term insurance.
Country Financial no-exam policy details
Policy type: Simplified term or whole life insurance.
Issue age: 50 or younger.
Coverage: Up to $100,000.
Application: No exam, but you may have to answer questions about your health.
Best for accessibility
Nationwide
Bottom line: The issue age range for this policy is 80 and younger — a relatively broad age range for this type of coverage.
Financial strength ratingThese ratings indicate an insurer’s ability to pay future claims.
Exceptional
Online purchaseThis indicates whether the company offers a way to apply for and purchase policies entirely online.
No
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Fewer than expected
Policies offeredTerm policies last a set number of years, while permanent policies typically last a lifetime. No-exam policies don’t require a medical exam.
Term & permanent
- Ranked sixth in J.D. Power's 2022 customer satisfaction study for life insurance.
- Low volume of complaints for a company of its size.
- Not all policies can be paid online.
Unlike most other no-exam life insurance, Nationwide’s Simplified Whole LIfe policy offers coverage for customers younger than 20 years old. The company issues policies to applicants 80 years old or younger.
Best for accessibility
Nationwide
Bottom line: The issue age range for this policy is 80 and younger — a relatively broad age range for this type of coverage.
Financial strength ratingThese ratings indicate an insurer’s ability to pay future claims.
Exceptional
Online purchaseThis indicates whether the company offers a way to apply for and purchase policies entirely online.
No
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Fewer than expected
Policies offeredTerm policies last a set number of years, while permanent policies typically last a lifetime. No-exam policies don’t require a medical exam.
Term & permanent
- Ranked sixth in J.D. Power's 2022 customer satisfaction study for life insurance.
- Low volume of complaints for a company of its size.
- Not all policies can be paid online.
Unlike most other no-exam life insurance, Nationwide’s Simplified Whole LIfe policy offers coverage for customers younger than 20 years old. The company issues policies to applicants 80 years old or younger.
Nationwide no-exam policy details
Policy name: Nationwide Simplified Whole Life.
Issue age: 80 or younger (75 and younger in Minnesota, Mississippi, North Carolina, and Pennsylvania).
Coverage: $10,000 to $50,000 ($25,000 to $50,000 in Washington).
Application: No exam, but you may have to answer questions about your health.
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What is no-exam life insurance?
With traditional life insurance policies, applicants typically have to fill out a questionnaire about their health and lifestyle and take a medical exam. It's similar to an annual physical. A medical professional measures your height, weight, blood pressure and cholesterol and usually takes a blood, urine and saliva sample.
No-medical exam policies remove the exam from the application process. Depending on the type of policy you apply for, you might still need to answer questions about your health and lifestyle — but some policies skip that part, too.
These policies tend to appeal to those with serious health conditions or healthy people who want to speed up the life insurance application process.
Alternatives to no medical exam life insurance
In general, policies that don’t require an exam can be more pricey than ones that do. So if you’re young and healthy, you may want to consider a policy with full medical underwriting. If you’re looking for a quick application process, you may want to consider instant life insurance, which uses big data and complex algorithms to calculate risk and reserves the right to ask for an exam.
More about top-rated life insurance companies
Looking for a different type of life insurance policy? Check out NerdWallet’s top picks across these categories:
More about buying life insurance with a health condition
Insurer complaints methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2019-2021. To assess how insurers compare with one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.
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ChatGPT has already passed the US Medical Licensing Exam, the test all doctors must take.
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Now radiologists say it can also pass their specialist board exam.
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But ChatGPT still makes many "illogical and inaccurate assertions," and it can't read an X-ray.
ChatGPT is becoming a great medical test taker.
Its latest and most advanced version, ChatGPT-4, can already pass the US Medical Licensing Exam with flying colors. And now, it's moved one step closer to becoming a specialized physician. Well, sort of.
On Tuesday, scientists announced that the latest chatbot software from OpenAI can handily pass a Canadian or US-style radiology board exam – scoring more than ten points above the 70% passing threshold.
But there's a catch: Because ChatGPT is only designed to process language (so far), the AI's radiology exam didn't include any images. Feels like kind of a major oversight for a branch of medicine concerned with diagnosing based on X-rays, MRIs, and other body pictures.
ChatGPT did well on 'challenging' questions, but got some of the basics of radiology wrong
ChatGPT has shown itself to be a formidable test taker — it's passed exams including the SAT, the bar exam, and even the challenging master sommelier tests.
On the radiology exam, ChatGPT-4 delivered a passing score of 81%. The bot scored particularly well on higher-order thinking questions that require skills beyond just memory recall, like analysis, synthesis, and evaluation; ChatGPT-4 did well at describing imaging findings (85%), and applying concepts (90%). But it didn't do so great on some of the more straightforward questions on the test, and actually got 12 of those questions wrong that its predecessor, GPT 3.5, got right.
"We were initially surprised by ChatGPT's accurate and confident answers to some challenging radiology questions," study author Dr. Rajesh Bhayana, an abdominal radiologist at Toronto General Hospital, said in a press release. "But then equally surprised by some very illogical and inaccurate assertions."
Why ChatGPT is increasingly good at acing hard tests
At its core, ChatGPT is simply designed to predict the best next word to spit out – in other words, it's built to chat you up. That chattiness can easily be harnessed to pontificate on exams, producing a very confident (but sometimes wrong) test taker.
Brown computer science professor Ellie Pavlick, a natural language processing expert, says this issue isn't unique to chatbots. She's always struggled to tell whether students really grasp the concepts she's taught based on their written exam answers.
"If you provide some well-constructed language, it seems like you know, but maybe you do, maybe you don't," Pavlick said during a accurate ChatGPT roundtable at Brown University. "This is a nice indication of why we kind of want to attribute much more knowledge and awareness to ChatGPT than it actually really has, because there's just something about well-constructed language that can really mask [poor] understanding."
Doctors say that ChatGPT shouldn't be used to diagnose or treat patients, and should always have its medical accuracy checked by a person. But medical experts are also discovering how ChatGPT can be a nice tool for improving a doctor's communication with their patients. It is precisely because ChatGPT excels at banter that it is often regarded as more compassionate than hurried doctors.
Read the original article on Insider
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