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920-260 Nortel Secure Router Rls. 10.1 Configuration & Management test |

920-260 test - Nortel Secure Router Rls. 10.1 Configuration & Management Updated: 2024

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Exam Code: 920-260 Nortel Secure Router Rls. 10.1 Configuration & Management test January 2024 by team
Nortel Secure Router Rls. 10.1 Configuration & Management
Nortel Configuration exam

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Nortel Secure Router Rls. 10.1 Configuration & Management
D. routing
Answer: C, D
Question: 59
What is a major reason to choose dynamic routing over static routing?
A. The number of users
B. The number of WAN links
C. The number of Nortel products
D. The size and complexity of the network(s)
Answer: D
Question: 60
Where in the Secure Router OS command line interace is NAT configured?
A. Under the router configuration
B. Under the bundle configuration
C. Under the system configuration
D. Under the module configuration
Answer: B
Question: 61
Which three NAT traversal strategies are used for VoIP? (Choose three.)
A. Cone NAT
B. Dynamic NAT
C. Application Gateway (ALGs)
D. NAT avoidance (VPN, etc? E. Source Specific NAT
Answer: A, C, D
Question: 62
To view all of your OSPF neighbor(s) and verify their IP address, router id and state
of the connection, which command should you use?
A. Show ip ospf neighbor detail
B. Show ip route ospf
C. Show database ospf database_summary
D. You cannot view all that information in one command.
Answer: A
Question: 63
Which syntax is correct for viewing only OSPF routes?
A. Show ip route
B. Show route ospf
C. Show ip routes ospf
D. Show ip ospf routes
Answer: C
Question: 64
You are enabling OSPF on the Nortel Secure Router. You have already configured and tested
the Ethernet ports and WAN links. What is the next step?
A. Do nothing, OSPF is enabled by default.
B. Configure OSPF on the associated interfaces.
C. Type router ospf from configure prompt.
D. Create a router ID using a configured IP address on the router.
Answer: D
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Nortel Configuration test - BingNews Search results Nortel Configuration test - BingNews Final test Schedule

Spring 2024

For Fall semesters, there will be one practicing day on Monday of the first test week and one practicing day on Friday of the first test week. For Spring semesters, there will be two practicing days at the beginning of the first test week.

Final exams are scheduled by the Registrar's Office based on the meeting pattern of the class with the exception of certain basic course sequences that enroll large numbers of first-year students listed below. This schedule avoids direct conflicts for students and minimizes the number of students with more than two exams on a single day.

Any change to assigned final test dates and time requires additional approvals. Undergraduate students who have test questions should contact their four-year advisor. Faculty and staff who have questions should contact

Class Meeting Exam Day Exam Time Grades Due
MWF 8:25-9:15 am May 6 7:30-10:30 pm May 8
MW/MF/WF 8:00-9:15 am May 6 7:30-10:30 pm May 8
MWF 9:30-10:20 am May 3 12:00-3:00 pm May 5
MWF 10:35-11:25 am May 3 8:00-11:00 am May 5
MWF 11:40 am-12:30 pm May 6 8:00-11:00 am May 8
MW 12:45-2:00 pm May 8 8:00-11:00 am May 10
MWF 2:15-3:05 pm May 6 12:00-3:00 pm May 8
MWF 3:20-4:10 pm May 8 12:00-3:00 pm May 10
MW 3:20-4:35 pm May 8 12:00-3:00 pm May 10
MWF 4:25-5:15 pm May 2 7:30-10:30 pm May 4
MW 4:50-6:05 pm May 2 7:30-10:30 pm May 4
MW 5:30-6:45 pm May 8 7:30-10:30 pm May 10
MW 7:00-8:15 pm May 6 3:30-6:30 pm May 8
M 7:00-9:30 pm May 6 3:30-6:30 pm May 8
W 7:00-9:30 pm May 6 3:30-6:30 pm May 8
TR 8:30-9:45 am May 7 12:00-3:00 pm May 9
TR 10:00-11:15 am May 9 8:00-11:00 am May 11 11:00 am
TR 11:30 am-12:45 pm May 2 12:00-3:00 pm May 4
TR 1:00-2:15 pm May 2 8:00-11:00 am May 4
TR 2:30-3:45 pm May 7 8:00-11:00 am May 9
TR 4:00-5:15 pm May 9 12:00-3:00 pm May 11 11:00 am
TR 5:30-6:45 pm May 9 3:30-6:30 pm May 11 11:00 am
TR 7:00-8:15 pm May 7 7:30-10:30 pm May 9
T 7:00-9:30 pm May 7 7:30-10:30 pm May 9
R 7:00-9:30 pm May 7 7:30-10:30 pm May 9

The course sequences listed below are scheduled outside of the normal test grid because portions of the sequences enroll large numbers of first-year students. The special scheduling of these exams helps spread out final exams for these students.

Course Exam Day Exam Time Grades Due

MATH 120/121/122/123/124/125/126

May 2 3:30-6:30 pm May 4
CHEM 105/106/111; ENGR 145 May 3 3:30-6:30 pm May 5
BIOL 214/215/216 May 6 3:30-6:30 pm May 8
PHYS 115/116/121/122/123/124/221 May 7 3:30-6:30 pm May 9
CSDS 132/ECSE 132/ENGR 130/ENGR 131 May 8 3:30-6:30 pm May 10
Mon, 01 Jan 2024 22:28:00 -0600 en text/html
Exam Information

An test proctor will begin practicing test instructions approximately 15 minutes before the test start time. Students must be in the test room with their test at this time. If taking the test on a laptop, it must be booted up and have passed the security check. Hand writers must not have a laptop with them in an test room, unless otherwise allowed according to the professor’s instructions. A student entering the test room after the proctor begins practicing instructions will not receive additional time for booting up their laptop, passing the security check, and/or practicing test instructions.

When instructed by the proctor, write your test number on the cover page of your exam, bluebooks, and any scratch paper you turn in as part of your exam. Handwritten test answers must be written in blue books in blue or black ink. Number the bluebooks you use (1 of 1, 1 of 2, 2 of 2, etc.). Proctors will allow time to read the professor’s instructions. Other than counting the number of pages of the exam, students are not permitted to turn the page of an test past the instructions page until the proctor instructs them to do so.

When taking a closed-book exam, no books, outlines, book bags, purses, or scratch paper (other than the scratch paper provided) may be at your seat during the exam. These items must be left outside of the test room or in the front or sides of the test room. Students may not begin to write anything, including on scratch paper, before the proctor begins a closed-book exam.

Students taking in-class exams are prohibited from having any electronic communication device, other than a laptop as allowed per the professor's instructions, during the exam. Cell phones and smart watches must be turned off during the test and placed in a bag or backpack. Violations of this rule may be considered an Honor Code violation. A clock in each test room will be the official timekeeper for the exam.

Non-alcoholic beverages are permitted in test rooms; however, the container must have a lid.

After the test instructions have been read and the test begins, the proctor will remain in the room. Any student who has a question or problem during an test should see the proctor.

Students may use the restroom or take a break during an exam. However, all test materials must be left in the test room and no additional time will be given. Students must sign in and out at the front of the room with the proctor.

Thu, 15 Jun 2023 00:20:00 -0500 en text/html
Testicular Self-Exam
What should I look for during a testicular self-exam?

Sheldon Marks, MD

There's the testicle itself, which should be like a firm, but not hard, egg-sized, almost thing. The epididymis, where the sperms mature and develop the ability to fertilize the egg, feels more like an earthworm attached to the bag. And there can be little tiny cysts and nodules that come off of that, and lumps and bumps. So it's essential that when you do a testicular self-exam that you get used to understanding what you're like. It's like women with a breast exams. You learn the lumps and bumps. Down there the guy needs to know what's normal, so if there is a change they can say, aha, this lump wasn't there last month. Uh, they should be doing an test ideally once a month, in the shower when they're soapy and wet, and that will tell them what their normal baseline is. But our biggest problem in urology is that most men are diagnosed with testicular cancers late. They don't find them early when it's a little lump or bump. They wait until it's large or in the cases of some celebrities when it's already metastatic and advanced and they're showing signs of advanced disease.

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What should I look for during a testicular self-exam?

Sheldon Marks, MD

There's the testicle itself, which should be like a firm, but not hard, egg-sized, almost thing. The epididymis, where the sperms mature and develop the ability to fertilize the egg, feels more like an earthworm attached to the bag. And there can be little tiny cysts and nodules that come off of that, and lumps and bumps. So it's essential that when you do a testicular self-exam that you get used to understanding what you're like. It's like women with a breast exams. You learn the lumps and bumps. Down there the guy needs to know what's normal, so if there is a change they can say, aha, this lump wasn't there last month. Uh, they should be doing an test ideally once a month, in the shower when they're soapy and wet, and that will tell them what their normal baseline is. But our biggest problem in urology is that most men are diagnosed with testicular cancers late. They don't find them early when it's a little lump or bump. They wait until it's large or in the cases of some celebrities when it's already metastatic and advanced and they're showing signs of advanced disease.

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Sun, 31 Jul 2022 07:38:00 -0500 en text/html
Exam Schedules

Select a term to view room assignments & schedules:

 Fall 2023Spring 2024

Faculty of Arts & Sciences, and the Undergraduate Schools of Business and Education

Exams will meet according to the schedule published here at the beginning of each semester's registration period. Unless informed otherwise, classes will meet in the regular classroom. Requests for larger rooms should be made by the instructor via email to the [[w|zimmer,Academic Scheduling Coordinator]].

  • Exams are based on the START DAY & TIME of the class, no matter how many time periods it crosses. For example, a class meeting from 8:00 - 9:50 a.m. MW would hold its test in the 8:00 a.m. MWF time period.
  • Classes meeting at non-standard times on MW will have their test in the time block reflected by the whole hour, e.g., a class meeting at 10:30 a.m. MW will have its test in the 10:00 a.m. MWF block.
  • Classes that meet only one or two days per week that do not have a set final test slot will have their exams with the time block represented by the traditional listing (MWF or TR).
  • Classes meeting at non-standard times on TR will have their exams with the time block immediately preceding. For example, a class meeting at 2:30 p.m. TR will have its test in the 2:00 p.m. TR time block. A class that meets at 1:00 p.m. TR will have its test in the 12:30 p.m. TR time block.
  • No exams will be held on the practicing days.

Block exams for courses with multiple sections may be requested prior to the beginning of registration for the term, through the [[w|zimmer,Academic Scheduling Coordinator]]. For a class that does not have a meeting time but needs a room for an in-class exam, [[w|zimmer,contact the Academic Scheduling Coordinator]].

Review the Academic Regulations in the undergraduate course catalog for additional information on Final Exams.

Wed, 18 Apr 2018 09:57:00 -0500 en text/html
Certified Paralegal test Preparation

This course is tailored for paralegals, legal assistants, aspiring legal professionals, and anyone seeking to enhance their understanding of federal law. Whether you're preparing for the Certified Paralegal test or simply aiming to bolster your legal expertise, this course can assist you towards successfully completing your goal.

Tue, 29 Aug 2023 11:39:00 -0500 en text/html
Exams & Academic Calendars

Exam schedules, academic calendars, registration dates, and grading deadlines are maintained by the Office of the University Registrar.

Calendars are created by a faculty committee under the direction of the Office of the Provost and are subject to change in the event of major disruptions (natural disasters, national emergencies, etc.) to W&M's normal operations on the Williamsburg campus and the Virginia Institute of Marine Science (VIMS) campus in Gloucester Point.

Academic Calendars
Thu, 04 Jan 2024 00:14:00 -0600 en text/html
Best no-exam life insurance companies January 2024

Editorial Note: Blueprint may earn a commission from affiliate partner links featured here on our site. This commission does not influence our editors' opinions or evaluations. Please view our full advertiser disclosure policy.

Banner Life and Lincoln Financial are the best no-exam life insurance companies, according to our analysis. 

We evaluated insurers to determine the best no-exam life insurance companies based on cost and coverage options. Use our analysis as a jumping-off point to compare top insurers and find the best policy for your situation.

The best no-exam life insurance companies of 2024

Why trust our life insurance experts

Our team of experts evaluates hundreds of insurance products and analyzes thousands of data points to help you find the best product for your situation. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content. You can read more about our methodology below.

  • 28 insurers evaluated
  • 162 rates reviewed
  • 5 levels of fact checking

Top-rated no-exam life insurance companies

Compare the best no-exam life insurance of 2023

To determine the best no-exam life insurance policies, our life insurance experts evaluated several of the top life insurance companies that offer coverage in the United States.

Each life insurance company included in our evaluation had the opportunity to earn up to 100 points, based on the following factors.

Policy cost: 75 points. Since term life insurance is often the most affordable coverage option, we evaluated rates for both 30- and 40-year-old males and females in excellent health, for term lengths of 10, 20 and 30 years and coverage amounts of $500,000 and $1 million and $2 million.

Accelerated death benefit age: 5 points. An accelerated death benefit option lets you access your death benefit early if you’re diagnosed with a terminal illness. Companies that offer this benefit with a no-exam life insurance policy earned the full points allotted.

Maximum face amount for lowest eligible age: 10 points. Companies that offer higher coverage amounts for the lowest eligible age earned more points. Keep in mind that a company’s maximum coverage amount for a no-exam life insurance policy may decrease based on an applicant’s age, with older applicants eligible only for lower face-value policies.

Term life conversion availability: 5 points. Some companies allow policyholders to convert their term coverage to a permanent life insurance policy. We factored this in to help those considering term life insurance policies identify companies that provide this option.

Age eligible for best term length/coverage amount: 5 points. Some companies limit no-exam life insurance eligibility to younger applicants. Companies offering this type of coverage to individuals over 50 earned the full points.

Why some companies didn’t make the cut

Of the life insurance companies we evaluated, only those offering policies offering competitively priced no-exam life insurance policies for high coverage amounts made the cut.

What is no-exam life insurance?

No-exam life insurance does not require applicants to go through a medical test for approval. This is in contrast to a more traditional life insurance underwriting process that requires you to complete a health questionnaire as well as a medical exam. 

For a life insurance medical exam, insurers often request a paramedical professional collect information, such as your blood pressure, as well as blood work and a urine specimen. Because no-exam life insurance skips this step, this type of coverage may be ideal if you’re looking for a faster application process. Some insurers even offer same-day or instant approval to eligible applicants. 

Though no-exam life insurance policies were once less common, today more and more insurers are extending this type of coverage to eligible applicants. Eligibility criteria can vary by insurer, but usually, you must be relatively young (under 50) and in good health. 

It’s important to note that even if a company advertises no-exam life insurance policies, not every applicant is eligible. After completing the application, you may find that the insurer wants to follow up to obtain additional information via an test or additional health questions. This is particularly true if you’re over 50 or considered a high-risk candidate. 

Different types of no-exam life insurance

There are three primary ways an insurer may choose to offer life insurance with no medical exam. Each varies by the underwriting process, which is the way insurers assess your risks and determine how much you will pay for insurance. 

Accelerated underwriting life insurance

When you apply for a policy that uses accelerated underwriting, the insurer takes information from your application to collect personal data that is used to determine your level of risk. 

Though the exact variables that an insurer considers may vary, the National Association of Insurance Commissioners (NAIC) identifies multiple third-party sources from which an insurer may collect data: 

  • Digital health records. 
  • Prescription drug history. 
  • Credit reports.
  • Motor vehicle records. 
  • Medical Information Bureau (MIB) data. 
  • Public records.

After gathering your information, the underwriter will use AI technology, predictive models and algorithms to determine if you are eligible for no-exam life insurance and, if so, your premium, or how much you will pay. 

The information and tools used in the accelerated underwriting process allow insurers to create a more comprehensive risk analysis that is similar to that achieved through traditional underwriting practices. As such, rates for eligible applicants may be similar to those determined during a traditional underwriting process. They also are likely to be lower than those obtained through simplified issue or guaranteed issue life insurance

Simplified issue life insurance

Simplified issue life insurance does not require a medical exam, but applicants are usually required to submit answers to a health questionnaire. Traditionally, simplified issue coverage relied on limited third-party information, but as access to information increased, industry practices have evolved. Today, a simplified issue underwriting process will likely pull in information from the MIB, motor vehicle records, prescription drug history and in some cases credit reports. 

Still, simplified issue underwriting is not as in-depth as accelerated underwriting and therefore does not always capture an applicant’s risk. As such, applicants often face a trade-off: quicker application periods in exchange for higher rates and lower coverage limits.  

Guaranteed issue insurance

There are no medical exams or health questionnaires required for guaranteed issue life insurance, and if you apply, you are “guaranteed” to be approved. Because you can’t be denied, this type of coverage may be the best option if your health or age prevents you from being approved for other types of coverage. 

However, because you are guaranteed for approval, and the insurer does not have the information required to make a proper risk assessment, policies are much more expensive than other types of life insurance and offer lower maximum coverage amounts. 

Guaranteed issue life insurance policies also typically have graded death benefits. A graded death benefit means that if you pass away within the first two to three years of opening your policy, your beneficiary will not receive the plan’s death benefit. Instead, they will be refunded the premiums you’ve paid on the policy in addition to interest — typically between 10% and 30%. There is one exception: If you die due to an accident, such as a vehicle accident, your beneficiary will receive the death benefit in full.  

Though guaranteed life insurance is considered a type of “no-exam” life insurance, we did not include this type of product in our scoring of the best no-exam life insurance. 

How much does no-exam life insurance cost?

How much you pay for no-exam life insurance will depend on various factors, including your age, gender, health, the type of underwriting process — accelerated, simplified or guaranteed — and the information collected as part of the underwriting process. 

Example annual cost: No-exam coverage for a man, age 30 (20-year term)

Example annual cost: No-exam coverage for a woman, age 30 (20-year term)

Example annual cost: No-exam coverage for a man, age 40 (20-year term)

No-exam life insurance coverage for a woman, age 40 (20-year term)

No-exam life insurance coverage for a man, age 50 (20-year term)

No-exam life insurance coverage for a woman, age 50 (20-year term)

Pros and cons of no-exam life insurance policies

Not sure if a no-exam life insurance policy is best for you? Here are some pros and cons associated with this increasingly popular life insurance product. 


  • No exam. Maybe you don’t have time or maybe you’re not a big fan of needles. No-exam life insurance lets you skip bloodwork and other lab requirements commonly associated with traditional underwriting. 
  • Faster approval. If you’re eligible for no-exam life insurance, you could secure it quickly, with some insurers in our analysis offering instant or same-day approval.  
  • Potentially similar rates. Depending on your age, health, desired coverage amount and the insurer you choose, you may find that no-exam life insurance policies that use accelerated underwriting are priced similarly to those that rely on traditional underwriting. 


  • Health conditions affect eligibility. No-exam life insurance is best suited for healthy, young applicants. If you’re not in one of those two categories, you may find that you’re ineligible for coverage or that you’re subject to a higher rate.
  • Coverage may be limited. Though some companies offer higher coverage amounts for no-exam life insurance policies, that’s not always the case — especially if you’re applying for a guaranteed issue or simplified issue policy. If you’re looking for a high coverage amount, a no-exam life insurance policy may not be the best option. 
  • Age limits apply. Most life insurance companies have caps on the age at which they will issue a policy, but that age is much lower for no-exam life insurance policies. Generally, no-exam coverage is best suited for people age 50 or younger. Don’t assume that no-exam life insurance is out of the question if you’re over 50, though. There are some companies, like SBLI, that offer this type of life insurance to older individuals. 

How to shop for no medical test life insurance

Here are a few easy steps you can take to find the best no-exam life insurance company and policy to meet your individual needs. 

Determine how much coverage you need. Start with the reason you want to buy life insurance. Are you looking to replace your income for a specific period of time to support your loved ones financially when you die? Do you need to ensure your family can continue to cover specific bills, such as mortgage payments or college tuition?

Add up any expenses you hope to cover to determine how much coverage you may need. This step is important for any type of life insurance purchase, but because some no-exam life insurance policies have lower maximum coverage amounts — especially if you’re older — this step can help you narrow your search down to insurers that offer plans that meet your coverage needs.

Understand your health. Since almost all no-exam life insurance policies require the applicant to be in good health, it’s best to figure out your chances of being approved. For instance, if you have a health condition that may make it harder to get coverage, such as a heart attack, or you’re a tobacco user, you may be denied or pay a lot more for certain types of no-exam life insurance, particularly accelerated underwriting or simplified issue products.  

Recognizing any impediments to approval can help you examine your options and prepare for the potential health test requirements.

Be honest. If you’re nervous about your eligibility for a no-exam life insurance policy, you may be tempted to leave out important information, like a latest health diagnosis or tobacco usage, but doing so can create big problems for you and your beneficiaries. 

If your insurer determines you lied during the application process, they can deny you coverage or cancel your policy. Further, if your untruths are uncovered after you die, and you’ve passed during what’s known as the contestability period, the insurer can deny the claim, leaving your beneficiary without a death benefit.

Get multiple insurance quotes. Whether you’re purchasing life insurance, car insurance or homeowners insurance, one of the best things you can do is get multiple quotes to compare. Doing so can ensure you’re getting the best rate for the type and amount of coverage you want. 

Evaluate policy features. While cost is an important factor, it’s a smart idea to look beyond that to consider what you need or what benefits and features, such as an accelerated death benefit, may be available to you for a similar cost.

Have a backup plan. No-exam life insurance may be your first choice, but not everyone is eligible for coverage. Depending on your age, health and other factors, you may find that you’re denied or that the insurer requires additional information or steps, such as a health exam, before it will issue coverage. 

Don’t provide up as there are other options, such as purchasing a policy that uses a more traditional underwriting process or looking for a guaranteed issue policy, which will provide coverage regardless of your health.

No med test life insurance FAQs

No-exam life insurance policies are available for both term and whole life insurance, but all the policies scored in our no-exam life insurance analysis are for term life insurance

Term life policies typically offer more coverage at a lower price. No-exam whole life insurance policies, in contrast, may only offer low coverage amounts and generally have higher rates in relation to the amount of coverage received. 

If you have whole life insurance, you may be able to borrow money from your life insurance policy if it has a cash value. 

However, if you have a no-exam term life insurance policy, it will not have a cash value, so you won’t be able to borrow against the policy. 

Some no-exam term life insurance policies offer as much as $1M or $2M in coverage, while a no-exam whole life insurance policy will have much lower coverage maximums, such as $25,000. 

The amount of life insurance coverage you can get with no-exam life insurance will vary based on factors like the insurer and policy you choose and your age. 

More: How much does a $1 million life insurance policy cost? 

A no-exam term life insurance policy will lock in your rate for the duration of a specific term, such as 30 years. When the term ends, you can usually renew your policy annually, but you’ll pay a higher premium each year.

If you purchase a no-exam whole life insurance policy, your policy will usually last your lifetime, as long as you continue to make your premium payments.

Mon, 01 Jan 2024 14:10:00 -0600 en-US text/html
Your Skin Cancer Physical Exam: What to Expect

If you have fair skin or you’ve spent lots of time in the sun, it’s a good idea to ask your doctor if you should get regular skin cancer screenings.

These visual checks by your regular doctor or a dermatologist can help find skin that could be cancer or might turn into it someday. That’s important because skin cancer is the most common type of cancer, but it’s also one of the easiest kinds to treat if you catch it early.

Before Your Exam

It’s a good idea to look over your skin yourself before your appointment so you can point out anything that seems odd.

Check every part of your skin, including your scalp, behind your ears, under your arms, and between your buttocks. A full-length mirror and a hand mirror can help you see hard-to-reach places. You’ll want to note any moles or growths that:

  • Are new
  • Have changed over time
  • Itch
  • Bleed

What Happens During a Skin Cancer Full Body Exam?

The screening usually takes 10 minutes, or longer if the doctor sees any moles that look unusual. You’ll take off all of your clothes and put on a medical test gown. Your doctor will ask if you have any moles that concern you. Then, they will then look at every inch of your body -- from your face, chest, arms, back, and legs to less-visible places like your scalp, between your toes, and the soles of your feet.

What the Doctor Is Looking For

During a skin cancer screening, your doctor is checking for the “ABCDEs” of each mole, which are all possible signs of skin cancer:

  • Asymmetry: Not the same shape on both sides
  • Border irregularity: Ragged or blurred edges
  • Color: Different shades of tan, brown, or black
  • Diameter: Larger than 1/4 inch
  • Evolving: Changes over time

Your doctor will also check for actinic keratosis, skin changes caused by sun damage that, without treatment, can turn into cancer.

A Mole Biopsy

A visual check of your skin only finds moles that may be cancer. It can’t tell you for sure that you have it. The only way to diagnose the condition is with a test called a biopsy. If your doctor thinks a mole is a problem, they will provide you a shot of numbing medicine, then scrape off as much of the mole as possible. You shouldn’t feel pain, only tugging or pressure. They’ll send the trial of your mole to a lab, where a pathologist will check it under a microscope for cancer cells.

If the biopsy shows skin cancer, your doctor will let you know the next steps and what kind of treatments might be right for you. You may want to ask for a second opinion, since it can be hard to tell the difference between a trial that’s not cancerous and one that is.


How Often Should You Get a Skin Cancer Exam?

Experts disagree on this question. Some medical groups say you should only get a screening if you have suspicious moles or you have a high chance of getting melanoma, the deadliest type of skin cancer.

Others recommend a yearly screening for people who are at high risk for skin cancer. A few things make you more likely to get it:

  • Blond or red hair, light eye color, and skin that freckles or sunburns easily
  • People in your family have had melanoma
  • You’ve had unusual moles in the past
  • You’ve had sunburns before, especially any that blistered
  • You’ve used tanning beds
  • You have more than 50 moles or any that look irregular
  • You’ve had an organ transplant

Your dermatologist will want to see you twice a year if you’ve ever had basal or squamous cell cancer. After a melanoma diagnosis, you’ll likely see your dermatologist every 3 months for the first year and then twice a year after that.

WebMD Medical Reference



Bruce Robinson, MD, spokesperson, American Academy of Dermatology.

Skin Cancer Foundation: “Make the Most of Your Visit to the Dermatologist,” “Early Detection and Self Exams.”

American Academy of Dermatology: “What to expect at a SPOTme skin cancer screening.”

CDC: “Skin Cancer: What Screening Tests Are There?”

National Cancer Institute: “Skin Cancer Screening (PDQ).”

Journal of the American Medical Association: “Screening for Skin Cancer: US Preventive Services Task Force Recommendation Statement.”

U.S. Preventive Services Task Force: “Screening for Skin Cancer in Adults.”

MD Anderson Cancer Center: “Skin Cancer Screening Exams.”

Memorial Sloan Kettering Cancer Center: “Screening Guidelines.”

© 2023 WebMD, LLC. All rights reserved.
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Exam Schedule

Four-day Classes
Examinations for subjects which have meetings in both the Monday/Wednesday/Friday (MWF) and Tuesday/Thursday (TT) sequences should be scheduled according to the sequence in which they have the greater number of times. If a class meets an equal number of times in each sequence, the examination should be scheduled according to the sequence which shows an earlier date or time in the examination schedule.

i.e., for MTWF or MWTHF courses, refer to the MWF examination time. For MTWTH of MTTHF courses, find both the MWF test time and the TT test time—your test is scheduled for whichever date/time is earlier.

Common test Times
All sections of Accounting 203 and 204 as well as all sections of Mathematics 171, 172, and 271
have a common test on Monday, December 11, 9:00 a.m.

Half-Semester Courses
Exams for undergraduate courses meeting during the first half of the semester will be
scheduled on the last day of class. Exams for undergraduate courses meeting during the
second half of the semester will be scheduled according to the test schedule above.

Labs and Combination Lecture/Lab Courses
Exams for labs, if given, should be administered during the final lab period. Exams for
combination lecture/lab classes should be administered according to the test schedule above.

One-credit PER and MUSC Courses
Exams for one-credit PER and MUSC courses, if given, will typically be scheduled for the final
class period.

Graduate Courses
Graduate courses will typically follow the full eight-week schedule, with the test on the final
day of class.

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Best No-Medical-Exam Life Insurance Companies

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.

How To Choose a No-Medical-Exam Life Insurance Policy

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 list and our rankings of the best life insurance companies 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).

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. 

More Ratings of Top Life Insurance Companies

Frequently Asked Questions

  • 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.

  • 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.

  • 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?


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.

Mon, 12 Oct 2020 06:49:00 -0500 en text/html

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