When can I take the FE exam?
To be eligible to take the NCEES Fundamentals of Engineering exam, you must meet the following requirements:
- Completed 90 credits
- Achieved senior status
- Be enrolled in mostly 400-level courses toward your engineering degree
- Be enrolled in the ENGR 490 section assigned to your major department
- Section 1002-Chemical & Materials Science Engr
- Section 1003-Civil & Environmental Engr
- Section 1004-Electrical & Biomedical Engr
- Section 1005-Mechanical Engr
- Section 1006-Geological Engr
- Section 1007-Metallurgical & Mining Engr
For seniors ready to take the FE exam, you will still need to register for ENGR 490 the semester you plan on taking the exam. Please be mindful that if you plan on graduating in the semester you take the exam, you will need to take the test no later than prep day to allow for adequate processing time (uploading your test proof). Otherwise, this may delay your diploma.
CSE students are not required to take the FE exam.
The test will be held at any NCEES-approved testing facility year round at a testing day and time that you choose. Do not wait to sign up for an test date! If you choose to wait to sign up for the test in the middle of or later in the semester, the testing center dates will most likely be FULL! This may cause a delay, or even denial, in receiving your diploma if you are taking the test in your last semester. Yes, it is an expensive test, but isn't it more expensive to have wait an extra semester for your diploma?
How do I sign up for the FE exam?
Register for the exam on the NCEES website.
How do I prepare for the FE exam?
You may access and review the current FE Supplied Reference Manual, the same type you'll be using during the examination, on the NCEES website.
Study sessions are often organized by the student chapters of ASCE and ASME once a semester. Emails will be sent to students enrolled in ENGR 490, and flyers will be posted on the College's Facebook page. There is often a small cost in order to attend each session.
Please contact Sam DiMuzio (sadimuzio@unr.edu) with any questions about review sessions.
Once you've passed the FE exam
Go to the Nevada State Board of Engineering website and apply for Engineer Intern certification. Instructions on how to apply can be found on their website.
Ready to take the early PE exam?
More information about the early PE exam can be found on the Nevada State Board of Engineers website.
Since cracking these exams can make you eligible for opportunities in higher Civil Services of the Government of India, these are definitely challenging at multiple levels.
Along with your knowledge, your common sense, sensibility and confidence are also tested, especially at the interview levels. Here are some of the weirdest questions asked in the exams and interview sessions to test your brain. See how many you can answer correctly:
Question 1. How can you drop a raw egg onto a concrete floor without cracking it?
Answer: Concrete floors are hard to crack with a raw egg!
Question 2. Jamie looked at his reflection on the window mirror of the 45th floor. Driven by an irrational impulse, he made a leap through the window on the other side. Yet Jamie did not encounter even a single bruise. How can this be possible if he neither landed on a soft surface nor used a parachute?
Answer: Jamie is actually a window cleaner. He got tired after cleaning the windows on the 45th floor and so leaped inside the building.
Question 3. A murderer is condemned to death. He has to choose between three rooms. The first is full of raging fires, the second is full of assassins with loaded guns, and the third is full of lions that haven’t eaten in 3 years. Which room is safest for him?
Answer: The third room is the safest as the lions would be dead by now from eating anything in the past 3 days. First thought for many people would have been that these lions might have been hungrier than ever, but this answer would be wrong.
Question 4. Twins (Adarsh and Anupam) were born in May but their birthday is in June. How’s this possible?
Answer: May is the name of the town in Queensland, Australia.
Question 5. The peacock is a bird that does not lay eggs. How do they get baby peacocks?
Answer: The peahen lays eggs and not the peacock.
Question 6. What is such a thing that dies after drinking water?
Answer: Thirst. period.
Question 7. How can a man remain without sleep for 8 days?
Answer: Easy, the man should sleep at NIGHT.
Question 8. What if a red stone is thrown in blue waters?
Answer: The red stone will drown. The use of colors in the questions is only to distract your mind and confuse it further.
Question 9. Is it possible for you to lift an elephant with one hand ?
Answer: The answer is not so much as it is impossible to find an ‘elephant with one hand’.
Question 10. What is it you can never have in your breakfast ?
Answer: You can never have lunch or dinner for breakfast. This question revolves around confusing you by making you think of food items.
What Is a Testicular Exam?
A testicular test is a check of the look and feel of your testicles, to see if there may be any problems. You or your doctor can do it.
The testicles are part of a man’s sex organs. They’re in a pouch called the scrotum, located behind and below the penis. They make sperm and the male hormone testosterone.
Who Needs a Testicular test and How Often?
Every man should have a testicular exam. There is no recommendation that a testicular test should be part of your annual physical exam. But your doctor may suggest that you do a self-exam on a regular basis. Some doctors recommend checking your testicles once a month. Others say it's fine to have your doctor check once a year.
If you are having problems, or notice a lump or other changes in how your testicles feel or look, tell your doctor.
Exams can be a good way to find lumps that could be cancer or another problem.
How to Do a Testicular Exam
There’s no harm in a self-exam, and doctors say it’s good to know how your testicles look and feel so you can notice any changes.
A self-exam is quick and painless. It takes only a few simple steps:
- Take a warm shower or bath to allow the heat to relax the skin of your scrotum.
- Hold your penis out of the way.
- Examine one testicle at a time using both hands. Roll it between your thumb and fingers.
- Feel for a pea-sized lump. If you see or feel something like that, contact your doctor. It’s probably nothing to worry about, but it’s important you make note of it.
- Check for any changes in the size, shape, or feel of your testicles. One might be of a different shape or size than the other. That’s OK, but the shapes and sizes shouldn’t change. One might hang lower than the other. That’s normal, too.
Don’t worry if you feel a cordlike structure behind each testicle. It’s a normal part of the part of the scrotum that stores and moves sperm. It’s not a lump.
Is It Testicular Cancer?
If there is a suspicious lump, your doctor might run a painless ultrasound to get a better look for signs of cancer. They might do a blood test to see if there’s an indication of cancer. If the doctor thinks it may be cancerous, they may decide to do surgery to remove the testicle and check for cancer. If it is cancerous, they can determine what kind.
Removing one testicle shouldn’t impact your sex life or your fertility, but having testicular cancer or its treatment could impact fertility. If you think you may want to have children, talk to your doctor about preserving sperm before treatment.
Here are some facts to know about testicular cancer:
It’s rare: Your chance of getting it is about 1 in 250.
It most often affects men ages 15 to 34: It’s the most common cancer in this group.
It’s highly curable: The risk of dying from it is 1 in 5,000.
Early identification is key: It’s more likely to be treated and cured if it’s found early.
Some things increase your risk: Testicular cancer generally can’t be prevented, but some things increase risk. Your risk is higher if you’re white and non-Hispanic or have an undescended testicle or a family history of testicular cancer.
Other symptoms of testicular cancer
A lump is the most common symptom, but others include:
- Firm testicle
- Swelling or fluid buildup in the scrotum
- Feeling of scrotal heaviness
- Achiness in the lower belly, groin, or scrotum
- Breast tenderness or growth
- Pain or uncomfortable feelings in the testicle or scrotum
- Back pain
- Early puberty in boys
A lump or other symptom doesn’t mean you have cancer or any other problem.
The accurate test questions that hurt religious sentiments and demeaned women and one writer are unacceptable, said civil-society members, demanding an end to such "anarchy" in the education system.
The questions were prepared for HSC and equivalent examinations.
In a joint statement, signed by 24 eminent citizens, they said a universal, secular and science-based education system has not been established even after 50 years of independence, rather a regressive system has been set up.
People are now talking about whether teachers have the skills to prepare creative questions. "Both teachers and students need to acquire creative skills," they observed.
Pointing to the accurate discussions on question papers, they said it is high time to think about the whole education system, not just the competency of those who prepare questions. "The demand of dropping Charles Darwin's evolution theory from the curriculum has also concerned us. This will hinder science study and free thinking. It will push the country backwards, towards communalism," reads the statement.
Among others, the signatories are Pankaj Bhattacharya, president of Oikya NAP; Advocate Sultana Kamal, former adviser to the caretaker government; Ramendu Majumdar, praesidium member of Sammilita Samajik Andolon; Rasheda K Choudhury, former adviser to the caretaker government; Prof Syed Anwar Husain of Dhaka University; and Dr Sarwar Ali, trustee of Liberation War Museum.
Life insurance helps you provide for loved ones after your death. With life insurance policies, your beneficiaries get a cash payment when you're gone, one they can then use toward funeral expenses, unpaid bills or other expenses.
Most insurance companies require a medical exam before they approve you for life insurance coverage. You may be uncomfortable with this, or want to avoid it. Enter no-exam life insurance.
Many kinds of people may find no-exam life insurance appealing. No-exam policies can be smart if you have a pre-existing health condition, terminal illness, are a smoker or have a risky job (like fire fighting or construction).
Or, you may need life insurance as collateral for a loan or a sudden change in marital status like divorce. Seniors may bump up against age limits for some traditional kinds of policies and find no-medical test life insurance worthwhile.
If you think you would benefit from a no-exam life insurance policy then reach out to an insurance pro now. They can help you get started with a free price quote so you know exactly what to expect.
No medical test life insurance comes in both whole life and term life policy forms. Though there's no medical exam, each insurance type may ask for some health information on the application. Premiums are often more expensive than traditional life insurance policies that require medical exams. They can also provide significantly lower coverage. Guaranteed life policies, for instance, are often $25,000 in coverage or less.
Types of no-exam life insurance policies to know
The first step in getting no-medical test insurance is deciding what kind is right for you. Here are four main types
- Simplified issue: This insurance is often for people, including seniors, who are generally in good health but may have a few chronic health issues or medical conditions. The application typically includes a short health questionnaire.
- Guaranteed issue: These life insurance policies are aimed at older seniors or those who are in poor health. They don't require a medical test and certain a comparatively small death benefit for your beneficiaries. A few medical questions may be required.
- Accelerated underwriting: Sometimes called "instant" life insurance, this type uses artificial intelligence to gather and analyze data in lieu of a physical exam. Insurers may seek information like prescription history, driving records or previous medical exams to determine risk and cost. You may also be asked to fill out a detailed questionnaire or do a phone interview. The method can cut approval time from days or weeks to hours.
- Group life insurance: If you're working, your employer may also offer group life insurance policies without requiring a medical exam, sometimes for free. The drawback? You likely lose coverage if you leave or lose your job.
If you think you would benefit from having a no-exam life insurance policy then reach out to a professional now or use the table below to start searching for providers.
Finding a provider for no-exam life insurance
Seek advice from an insurance agent, your financial adviser, or another expert before you apply in order to be certain that no-exam life insurance is the best option for you.
From there:
- Shop around for several quotes. Coverage and premiums can vary widely.
- If you are a veteran, check the U.S. Veterans Administration for lower-cost providers.
- If you are working, check to see if your employer is offering group life insurance.
- Consider whether a whole life or term life type of policy is right for your circumstances.
- Seek out customer reviews and complaints to review.
Filling out the application
Once you've decided on a no-exam life insurance provider, you'll need to fill out an application. Depending on the policy type, you can expect:
- Some basic questions, including those about your weight, date of birth, lifestyle habits such as smoking, drinking, recreational drug use, exercise and activities like extreme sports.
- Details of your health history and medication use (except with most guaranteed life insurance applications, which can be pricey).
- A request for financial information such as income and credit history.
- A request letter from your primary care doctor about your health.
Be honest with your answers. A life insurance company can deny coverage or payout if you aren't being truthful on your application, like if you lie about smoking.
Follow the instructions to submit your application. Once you've submitted, it can take just hours for accelerated underwriting approval to weeks depending on the type of no-exam policy you're seeking.
Final Verdict
All of the companies on this list represent good options for getting life insurance without a medical exam. All are A+ rated or better for financial strength and have received fewer complaints than expected when averaged over a three-year period. If you don’t need more than $3 million in coverage and are 50 or younger, any company on this list could be a good fit. But if you’re over 50 and looking for a death benefit of more than $1 million, you can rule out Nationwide. If you’re over 60, your only option for high-coverage no-medical-exam life insurance is Penn Mutual. And regardless of your age, Penn Mutual is your only option if you need a death benefit greater than $5 million and don’t want to take an exam.
If you’re looking for term coverage, try Penn Mutual or Pacific Life; for dividends, Penn Mutual or Guardian. If you want free living benefits, look to Nationwide. And if you’d like a wellness plan with your life insurance, John Hancock delivers.
A number of companies offer life insurance policies without requiring a medical exam, but you’ll generally be eligible for the lowest premiums with those that ask thorough health questions on the application.
What type of life insurance does not require a medical exam?
Most any type of policy is eligible for no-exam underwriting. It used to be that if you wanted to skip the exam, only low-coverage insurance policies were available to you. These are still available and sold as burial or funeral insurance, or guaranteed-issue policies. But now, insurers have a number of sophisticated means by which to collect health and other information, so they don’t need to rely on your exam. Plus, it costs them money to administer it and time to receive and review the results. No-exam underwriting allows insurance carriers to issue life policies faster, which is often good for both the customer and the insurer.
So whether you’re looking for term or permanent coverage, a whole life policy or an indexed universal life policy, it’s available somewhere without a medical exam. But not all companies offer no-exam life insurance on all or even any of their policies, so you’ll need to do some research to find one that does. (The companies in the list above are an excellent start.) The one caveat is that not everyone is eligible for no-exam underwriting. If you have health issues that raise red flags for the insurance company, you may be required to undergo a medical screening to complete your application.
Can you borrow money from a no-exam life insurance policy?
Yes, if it's a policy with a cash value. No-exam life insurance policies are just like regular life insurance policies. The only difference is that a medical screening is not required during the application process. Once approved, the policy functions just as it would had you taken an exam. So if you’ve purchased a permanent life insurance policy that builds a cash value, that cash value will be available to you, subject to any surrender period or other standard policy conditions.
How do I choose the best life insurance policy?
Choosing the best life insurance policy for you depends on your life insurance needs. How much coverage do you need? (Ideally, you’ll get enough to pay off your debts and replace your income, at the very least.) How long do you need it for? Your needs may change once your kids are grown and your home is paid off, for instance. The next question to ask is, how much premium can you afford?
The answers to these questions will help you narrow down whether you need term or permanent life insurance coverage. Term life insurance is designed to last for a specific number of years, such as 30, and then expire. Permanent life insurance is designed to last your entire lifetime, and is therefore more expensive than term. You may also want to combine term and permanent policies to have a higher-coverage term policy during your working years or while you’re raising a family, and then a lower-coverage permanent policy that will kick in once the term coverage expires.
Term policies let you choose the length of the term (a 40-year term is the longest we’ve seen), and often provide the option to convert your term coverage to permanent. Permanent policies have a cash value, which may be accessed via withdrawals and loans.
Once you’ve figured out your budget and the general type of coverage you need, you should begin to get quotes from financially stable companies with track records of good customer satisfaction.
If you want a no-exam life insurance policy, it may be helpful to know that most of the 91 companies we reviewed offer some sort of policy that doesn’t require an exam. You’re best off first finding a good company (or a few you like), and then seeing what kind of policy you can get without an exam. This review and our review of the best life insurance companies of 2022 are both good places to start. And be sure to compare multiple quotes for no-exam life insurance because some policies are cheaper than others (depending on the type of no-exam underwriting used).
How We Chose the Best Life Insurance Companies
In order to compile our list of the best no-medical-exam life insurance companies, we developed a comprehensive life insurance methodology. We started off by researching what consumers want from life insurance companies, and for that, we looked to third-party consumer studies, including J.D. Power’s 2021 U.S. Life Insurance New Business Study and the 2021 Insurance Barometer Study, by Life Happens and LIMRA.
With those findings in mind, we gathered more than 50 data points on 91 life insurance companies, including ratings for financial strength, customer satisfaction, and customer complaints, as well as information about years in business, online tools, no-exam options, dividends, maximum issue ages, and available riders.
Our review process gave preference to companies with solid financials, few customer complaints, high no-exam coverage amounts available, high-issue ages for no-exam coverage, and a broad product portfolio. Companies received ratings boosts for online resources, including online quotes and live chat, and included living benefit riders. We ranked each company according to the following categories and weights.
- 28%: No-med-exam availability and features
- 20% Policy types and features
- 15%: Financial stability
- 15%: Customer satisfaction
- 13%: Ease of application
- 9%: Online resources
To finalize our list, we compared individual offerings between top companies by considering ratings from third parties such as AM Best and J.D. Power, and delving deeper into product specifics—including cost and the availability of dividends. We used this research to determine the best no-medical-exam life insurance companies.
Obtaining life insurance can help you pass money on to your family or other beneficiaries after your death. But not all life insurance policies are the same. Not only can there be differences in factors like monthly premiums and policy limits, but there can also be varying requirements to qualify for a life insurance policy.
One route that some people take is obtaining a no-exam life insurance policy, meaning you don't have to visit a doctor to be eligible. If you don't want to make an extra trip to the doctor's office or you're concerned the test results could lead to even higher costs, then this may be a reasonable option.
Here's a look at some of the top life insurance providers available.
Before you make any final decisions, let's take a closer look at what no-exam life insurance policies are — and why you might consider going this route.
What is no-exam life insurance?
No-exam life insurance can include several different types of life insurance that do not require medical exams to initiate coverage. Here are two examples:
- Simplified issue life insurance: This type of insurance can be for either term life insurance or whole life insurance. As the name implies, these policies follow a simplified process. Rather than needing a medical exam, you can answer a few basic questions and get a decision online in just a few minutes.
- Guaranteed issue life insurance: This type of policy typically applies to permanent life policies. This is geared more toward those with health conditions and who may be older, so they can benefit those who want a certain to qualify, rather than being rejected following a medical exam. However, these policies typically have a waiting period of a couple of years, meaning the benefits might not kick in for someone who dies shortly after applying.
How to get a no-exam life insurance policy
To get a no-exam life insurance policy, you can search online for simplified or guaranteed issue policies, which are relatively common. You can also dig into the offerings of different insurance companies, as even if an insurance provider uses different terminology, they might still allow for coverage without an exam.
To learn more about different types of life insurance policies and options, speak to an expert. Haven Life, a New York City-based life insurance agency, can walk you through the process. You just need to answer a few basic questions to get a free quote.
Don't assume that just because something isn't specifically called a "no-exam life insurance policy" you need an exam. Regardless of what the provider calls the policy, check the fine print to see if you need a medical test or not.
Some providers also offer options like being able to convert a term life insurance policy into a whole life insurance policy without needing a medical exam. That's not to say that you're always better off converting vs. taking out a new policy, but it could be worth considering.
How much does no-exam life insurance cost?
No-exam life insurance policies typically cost much more than ones with medical exams. That's because the insurer needs to account for the extra risk that can come from not knowing enough about your medical situation.
For example, with one major life insurance provider, a simplified issue life insurance policy for a 20-year/$500,000 term for a 40-year-old, non-smoker woman in good health in California costs nearly $50 per month. In contrast, the same type of policy for regular term life insurance with a medical test only has an estimated cost of $30 in monthly payments.
You can also compare prices and plans by scouring life insurance providers online and getting free quotes.
Is no-exam life insurance worth it?
There can be a cost to the convenience of no-exam life insurance policies. But it's also possible that the economics work out in your favor. It's possible that something would be discovered during a medical test that increases your risk to the insurer, thereby raising your rates or perhaps even making you ineligible altogether. No-exam life insurance policies can also benefit those who don't qualify for typical life insurance due to factors such as age or medical history.
However, if you're in relatively good health, meet a prospective insurer's age requirements and are comfortable seeing a doctor, then this type of insurance may not be for you — as you may secure a lower price with the medical exam.
Bottom line
Overall, a no-exam life insurance policy can offer a path for some higher-risk individuals to obtain life insurance or it could be a good way to quickly obtain coverage. However, you might be able to find lower rates if you go through with a medical exam, so it could be worth exploring your options to see what best fits your budget and goals.
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, Jenny Life, Ladder, Policygenius and Forbes Advisor research.
Looking For Life Insurance?
Compare Policies With Leading Life Insurance Companies
Newscorp Australia are trialling new security software on our mastheads. If you receive "Potential automated action detected!" please try these steps first:
- Temporarily disable any AdBlockers / pop-up blockers / script blockers you have enabled
- Add this site in to the allowed list for any AdBlockers / pop-up blockers / script blockers you have enabled
- Ensure your browser supports JavaScript (this can be done via accessing https://www.whatismybrowser.com/detect/is-javascript-enabled in your browser)
- Ensure you are using the latest version of your web browser
If you need to be unblocked please e-mail us at accessissues@news.com.au and provide the IP address and reference number shown here along with why you require access. News Corp Australia.
Your IP address is: 108.167.164.204 | Your reference number is: 0.8f386368.1670613812.981dae2
