You will surely pass NNAAP-NA exam with these Study Guide

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Exam Code: NNAAP-NA Practice exam 2023 by team

Test Detail:
The NNAAP-NA (Nurse Aide) exam is a certification exam designed to evaluate the knowledge and skills of individuals seeking to become certified nurse aides. The exam assesses the candidate's understanding of fundamental nursing skills, patient care, and ethical practices in the healthcare setting.

Course Outline:
The NNAAP-NA course provides comprehensive training on the essential knowledge and skills required to become a certified nurse aide. The course covers various Topics related to patient care, infection control, safety procedures, communication, and ethical considerations. While the specific course content may vary, the following is a general outline of the key Topics covered:

1. Introduction to Nursing Assistant:
- Roles and responsibilities of a certified nurse aide.
- Ethical and legal considerations in patient care.
- Communication skills and professionalism in healthcare.

2. Basic Nursing Skills:
- Patient hygiene and grooming.
- Assisting with activities of daily living (ADLs).
- Vital signs measurement and documentation.

3. Infection Control:
- Understanding and implementing standard precautions.
- Proper hand hygiene techniques.
- Handling and disposal of infectious materials.

4. Safety Procedures:
- Patient mobility and transfer techniques.
- Fall prevention strategies.
- Emergency procedures and response.

5. Patient Care and Comfort:
- Providing emotional support and empathy to patients.
- Assisting with nutrition and feeding.
- Assisting with elimination and toileting.

6. Special Care Considerations:
- Caring for patients with cognitive impairments.
- End-of-life care and palliative measures.
- Assisting patients with medical devices and equipment.

Exam Objectives:
The NNAAP-NA exam assesses the candidate's knowledge and skills in the following areas:

1. Patient Care Skills:
- Demonstrating proficiency in providing basic nursing care and assisting with activities of daily living.
- Applying proper infection control practices and maintaining a clean and safe environment.

2. Communication and Professionalism:
- Exhibiting effective communication skills with patients, families, and healthcare professionals.
- Maintaining professional conduct and adhering to ethical standards in patient care.

3. Safety and Emergency Procedures:
- Understanding and implementing safety measures to prevent accidents and injuries.
- Responding appropriately to emergencies and following established protocols.

4. Patient Comfort and Support:
- Providing compassionate and respectful care to patients.
- Assisting patients with their physical and emotional needs.

The NNAAP-NA course syllabus provides a detailed breakdown of the Topics covered in the training program. It includes specific learning objectives, practical skills demonstrations, and clinical practice requirements. The syllabus may cover the following areas:

- Introduction to Nursing Assistant
- Basic Nursing Skills
- Infection Control
- Safety Procedures
- Patient Care and Comfort
- Special Care Considerations

NNAAP Nurse Aide
Medical NNAAP exam syllabus
Killexams : Medical NNAAP exam syllabus - BingNews Search results Killexams : Medical NNAAP exam syllabus - BingNews Killexams : AIIMS exam 2023- All India Institute of Medical Sciences Examinations, 2023


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Mon, 20 Mar 2023 18:05:00 -0500 en text/html
Killexams : Indian Air Force Agniveer Syllabus 2023 PDF: obtain exam Pattern, CASB, PET, Medical Test

Indian Air Force Agniveer Syllabus 2023 PDF: obtain the IAF Agniveer Vayu exam pattern and syllabus. The online test will be held for the recruitment of 3500+ vacancies.

Indian Air Force Agniveer Vayu Exam Pattern and Syllabus 2023: The Indian Air Force will recruit 3500+ vacancies for the Agniveer post through Air Force Agneepath Vayu exam (01/2024). Candidates planning to take the Indian Air Force Agniveer exam should carefully review the syllabus provided in the official notice by the Indian Air Force. This syllabus outlines the subject areas from which the examination questions will be drawn. Familiarizing themselves with the exam pattern and syllabus will enable candidates to grasp the exam's requirements and enhance their preparation effectively.

Check Indian Air Force Agniveer Vayu Eligibility Criteria 2023

In this article, we have shared complete details on the Indian Air Force Agniveer Vayu syllabus for the computer-based exam and the Indian Air Force Agniveer selection process, preparation strategy, and best books in detail.

Career Counseling

Check Indian Air Force Agniveer Vayu Salary 2023

Indian Air Force Agniveer Vayu Syllabus and Exam Pattern 2023: Overview

Candidates must thoroughly analyse the Indian Air Force Agniveer Vayu syllabus and exam pattern to cover all the important Topics from the exam perspective. Here are the key highlights of the Indian Air Force Agniveer Vayu syllabus and exam pattern shared below for the reference of the candidates:

Indian Air Force Agniveer Vayu Syllabus and exam Pattern 2023 Overview

Exam Conducting Body

Indian Air Force

Post Name

Agniveer Vayu


3500+ vacancies


Indian Air Force Agniveer Vayu syllabus and exam pattern

Selection Process

Written Exam, CASB, PET, PMT, Adaptability Test-I, and II, Document Verification, and Medical Examination

Exam Mode


Marking Scheme

+1 mark

-0,25 mark


Varies as per post

Indian Air Force Agniveer Vayu Selection Process 2023

The Air Force Agneepath recruitment scheme for 2023 will comprise six stages in its selection process:

  • Online Test
  • CASB (Central Airmen Selection Board) test
  • Physical Efficiency Test (PET) and Physical Measurement Test (PMT)
  • Adaptability Test-I and Test-II
  • Document Verification
  • Medical Examination

Check AFCAT 2023 Eligibility Criteria

Indian Air Force Agniveer Vayu Exam Pattern 2023

Check the detailed exam pattern for the  Indian Air Force Agniveer Vayu online test as discussed below:

Indian Air Force Agniveer exam Pattern 2023

Name of the Group


No. of Questions

Maximum Marks

Exam Duration





60 minutes





Other than Science

Reasoning & General Awareness



45 minutes



Science & Other than Science




85 minutes



Reasoning & General Awareness





  • For Science subjects: In the science subject, the online test comprises three sections, i.e., English, Physics, and Mathematics. The questions are designed as per the 10+2 CBSE syllabus. The exam duration shall be 60 minutes.·
  • For other than Science subjects: In this subject, the online test comprises two subjects i.e. English and Reasoning & General Awareness (RAGA). The standard of questions this exam asks is as per the 10+2 CBSE syllabus.  The exam duration shall be 45 minutes.·
  • For Science subjects and other than Science subjects: In the science subject, the online test comprises three sections, i.e., English, Physics, Mathematics, and Reasoning & General Awareness (RAGA). The questions are designed as per the 10+2 CBSE syllabus. The exam duration shall be 85 minutes.
  • As per the marking scheme, one mark will be awarded for every correct response, and 0.25 marks will be deducted for every incorrect answer.

Indian Air Force Agniveer Vayu Syllabus 2023

The Indian Air Force Agniveer Vayu Syllabus PDF is divided into three groups i.e., Science, other than Science, and Science & other than Science. Aspirants must be well-acquainted with the Indian Air Force Agniveer syllabus to cover all the aspects of the exam. Check the subject-wise Indian Air Force syllabus 2023 for Agniveer below:




Word Formation (nouns from verbs, adjectives, etc.)



Clauses (noun, adverb & relative clauses)

Subject-verb concord

Verb formation and error in their use

Noun & Pronoun






Spelling errors

Idioms and phrases

Sentence transformation (simple, negative, compound, complex, etc.)

One-word substitution


Definite and Indefinite integrals

Differential equations

3-Dimensional geometry

Binomial Theorem

Application of derivatives

Application of integrals

Cartesian system of rectangular coordinates

Circles and family of circles

Complex numbers

Conic sections


Trigonometric functions


Limit and continuity

Linear Equations

Linear programming

Matrices and Determinants

Permutation and Combination

Mathematical induction

Mathematical reasoning

Sets, relations, and functions



Quadratic equations

Sequence and series

Straight lines and family of lines




Distance and Direction

Inserting correct mathematical sign

Coding and Decoding

Analogy & Odd one out

Blood relations

Number Simplification

Area of triangle, square and rectangle

Number Puzzle and coding

Volume & Surface area of cone, cylinder, cuboid, and sphere

Fractions & Probability

Assigning artificial values to mathematical digit


Dictionary words

Profit and loss

Ratio & Proportion

Simple Trigonometry

Time, Speed and Distance

Youngest, tallest relation-based questions

Time sequence, Number and Ranking

Number Series

Mathematical Operations & Mutual relation problem


Electronic devices

The behaviour of perfect gases and the kinetic theory of gases & Atoms and Nuclei

Bulk matter properties

Laws of motion

Communication System

Electromagnetic induction and Alternating current

Electrostatics & Current Electricity


Sequence and series


Waves and Oscillations

Physical-world and measurement

Electromagnetic Waves

Straight lines and family of lines

Magnetism and Magnetic effects of current

Radiation and Dual nature of matter

The motion of a system of particles and rigid body



Work, Power, and Energy

Gravitation & Statistics

Electronic devices


Sequence and series

Trigonometric & Inverse Trigonometric functions

Laws of motion

Communication System

Sets, relations, and functions

The behaviour of perfect gases and the kinetic theory of gases & Atoms and Nuclei

Bulk matter properties

Radiation and Dual nature of matter

Electromagnetic Waves


Waves and Oscillations

Physical-world and measurement

Magnetism and Magnetic effects of current

Work, Power, and Energy

Electromagnetic induction and Alternating current

Straight lines and family of lines


The motion of a system of particles and rigid body


Electrostatics & Current Electricity

Gravitation & Statistics

General Awareness



Current Affairs


General Science

Basic Computer Operations

Indian Air Force Agniveer Vayu Physical Fitness Test

After qualifying in the written exam, all the qualified candidates will be shortlisted for the physical fitness test. Check the  Indian Air Force Agniveer Vayu physical fitness requirements and medical standards for male and female candidates elaborated below:

Indian Air Force Agniveer Vayu Physical Efficiency Test (PET)

The Indian Air Force Agniveer Vayu physical efficiency criteria for male and female candidates are as follows:

PFT-I: The candidate will have to complete 1.6 km run as per the following timing to qualify for PFT-II.


Male candidate

Female candidate

1.6 km run

Within 07 minutes

Within 06 minutes

PFT-II: Candidates declared qualified in PFT-I are shortlisted for PFT-II after 10 minutes of recuperation time. The sequence of exercises and maximum time period of male and female candidates are as follows.

Male Candidate


Max Time Period


10 Push-ups

01 minute

Test will be conducted after 10 minutes break on completion of run.

10 Sit-ups

01 minute

Test will be conducted after 02 minutes break on completion of 10 push-ups.

20 squats

01 minute

Test will be conducted after 02 minutes break on completion of 10 sit-ups.

Female Candidate


Max Time Period


10 Sit-ups

01 minute and 30 seconds

Test will be conducted after 10 minutes break on completion of run.

15 Squats

01 minute

Test will be conducted after 02 minutes break on completion of 10 sit-ups.

Indian Air Force Agniveer Vayu Adaptability Test I and II 2023

Adaptability Test-I. All candidates who are declared qualified in the Physical Fitness Test (PFT) will be called to appear in Adaptability Test-I (objective type written test), which is to check the suitability of a candidate for employment in the IAF, which includes deployment in varied geographic terrain, weather and operational conditions.

Adaptability Test-II. All aspirants who are declared qualified in Adaptability Test-I will be shortlisted for Adaptability Test-II as per policy in vogue. Adaptability Test-II is to shortlist candidates who can adapt to the environment of the Indian Air Force and can adjust to the military way of life.

Indian Air Force Agniveer Vayu Medical Exam 2023

The Indian Air Force Agniveer Vayu medical standard requirements for male and female candidates are as follows:

Height: The minimum acceptable height for the male candidate is 152.5 cm, whereas the minimum acceptable height for the female candidate is 152 cm.

Weight: Proportionate to age and height.

Chest: The chest should be well proportional with a minimum age expansion of 5 cm for male and female candidates.

Hearing: Candidate must have normal hearing i.e., able to hear forced whisper from a distance of 6 meters by each ear separately.

Dental: Must have healthy gums, a good set of teeth, and a minimum of 14 dental points.

Visual Standards:

Visual Activity

Maximum Limits of Refractive Error

Colour Vision

6/12 each eye, correctable to 6/6 each eye

Hypermetropia- +2.0 D

Myopia 1 D

Including +/- 0.50 D Astigmatism


Indian Air Force Agniveer Vayu Syllabus 2023: Best Books

Candidates should pick the Indian Air Force Agniveer books based on the recent edition and format. The right resources will help them to build conceptual clarity and cover the massive Indian Air Force Agniveer Vayu syllabus at the decided time. Some of the highly recommended Indian Air Force Agniveer Vayu books are as follows:



General Awareness

General/Banking/Financial Awareness with Current Affairs for Bank exam by Disha Experts


Fast Track Objective Mathematics by Rajesh Verma

General English

Objective English by R S Aggarwal


Concept of Physics by H.C Verma


Verbal and Non-verbal Reasoning by R S Aggrawal

Thu, 03 Aug 2023 01:36:00 -0500 text/html
Killexams : NMC: Exit exam for medical students in May, November No result found, try new keyword!NEW DELHI: The National Medical Commission ... and format of the NExT-Step 1 examination. Still, they may not represent the complete NExT-Step 1 examination or syllabus coverage," he added. Tue, 27 Jun 2023 12:07:00 -0500 en-us text/html Killexams : What Is No-Exam Life Insurance?

There’s a lot to consider when you’re buying life insurance, not to mention the hassle of getting a medical exam, which most policies require. If you’re looking for a simpler, quicker alternative, no-exam life insurance may be a good fit.

A traditional life insurance policy typically involves a battery of tests and may take more than a month to come into place. If you’re one of the 6 in 10 Americans that have a

chronic condition like diabetes or heart disease, you may end up paying thousands extra—if you can find a policy at all. 

By contrast, no-exam policies can be done online usually in just a few days. “Medical exams can be off putting,” says Mark Scafaro, co-founder of Afficiency, an insurance technology company. “No-exam life insurance is a great alternative for customers who aren’t interested in completing a medical exam—or waiting weeks for an underwriting decision.”

To be sure, no-exam policies have their drawbacks. While it’s generally easier to get approved, there is no ensure you will be. Coverage limits also tend to be far lower. And because the insurance company has less insight into your health, you will almost certainly pay more. 

Still it’s no secret these have become more popular. Here is what you need to know.

Types of no-exam life insurance 

No-exam life insurance is usually a term policy, which means you typically pay a premium to be covered for a specific term such as 10, 20 or 30 years. Afterward the insurance ends. But there are whole life policies, which stay in place as long as you maintain premiums, available as well.

Here are several common types:

Simplified Issue

You can be approved for this type of life insurance policy with minimal medical questions and no exams. Coverage starts as soon as your application is submitted and you’ve selected a premium.  

Guaranteed Issue

As its name suggests, guaranteed issue life insurance is a type of whole life policy that guarantees you won’t get denied when you apply. You’ll skip all the health-related questions as well as a medical exam. However, these policies tend to have a long waiting period of around two to three years and a lower death benefit ranging from $2,000 to $25,000. 

Accelerated Underwriting

Accelerated underwriting relates to the process underwriters use to approve your application for insurance quicker. This is commonly used with no-exam life insurance and involves using third-party data and algorithms to determine a person’s approval rate and premium. Accelerated underwriting policies tend to have a coverage limit of $1 million and for anything higher, you’d need a medical exam. 

When no-exam life insurance makes sense 

No-exam life insurance may be a good choice if you are:

  • Healthy but you don’t want to see a doctor and be examined
  • Not in the best of health but you still want to get life insurance 

Traditional life insurance typically requires an in-person medical exam that involves drawing blood and collecting other samples, along with a review of your body-mass index, medical conditions and whether you smoke or drink alcohol. “It can be a rigorous process,” says Susana Zinn, an independent life insurance agent based in Miami. “Even an inch or two in your height could impact your BMI and premium rate during the medical exam,” she adds.

With no-exam life insurance you’ll still need to answer a few basic questions and disclose any medical conditions you have. No-exam life insurance doesn’t ensure coverage, but it’s more forgiving. “Having some major health issues or risk factors in your history such as nicotine use, high blood pressure or high cholesterol, can make you a strong candidate for no-exam,” says Zinn.

No-exam life insurance can also make sense if you are young and healthy–and simply looking for a hassle-free way to get insured quickly. While you may pay slightly more, your premiums are likely to be low regardless of what kind of insurance you pick, so the convenience may be worth the trade off. Keep in mind no-exam life insurance policies tend to have smaller coverage limits than traditional policies, so the option works best if you are looking for a policy that pays less than $500,000.

How much does no exam life insurance cost?

With a term insurance policy—which is far more common for no-exam life insurance, your premium is often lower and fixed for the duration of the term length. With a permanent or whole life insurance policy, your premiums will be higher but stay the same so long as you keep the policy. 

The cost of life insurance depends on several factors including your:

  • Age and gender
  • Medical and family history
  • Height and weight
  • Smoking and tobacco use
  • Where you live
  • Job and hobbies 

Because life insurance pricing is based on so many individual factors, it’s difficult to find data about average prices. However, here are some representative quotes provided by Quotacy through Bestow Life Insurance.

Age For a woman For a man
30 $202 $297
40 $327 $462
50 $667 $882

Quotacy through Bestow Life Insurance

How to get no-exam life insurance

There are a few ways to shop for individual no-exam life insurance:


Online is a great place to start, and you can quickly find quotes from well-known national brands, as well as startups like Bestow, Haven Life and Fabric, which are usually backed by major insurance companies. If you want guidance you can find Buy Side from WSJ’s picks for Best Life Insurance companies here.

Most of what you find online will be term life insurance options, but some major companies like Nationwide or Progressive will offer whole life insurance options as well. To get a quote, you’ll have to submit a form that includes some basic information about yourself including your name, ZIP Code, height and weight, and gender.

Experts recommend gathering at least three quotes to determine how much no-exam life insurance would cost based on your demographic. “No two life insurance companies are alike, meaning one company may rate someone a smoker if they use smokeless tobacco while another won’t,” says Brian Carden, a Brentwood, Tenn., insurance and financial advisor.  

After receiving a quote, a representative from the insurer’s site may call you or you’ll be directed to continue completing an application form online. 

Financial advisor

If you work with a financial advisor, your advisor should be able to consider all aspects of your financial life to pick a policy that works for you. But remember some financial advisors earn commissions for selling insurance so they will have an incentive to recommend certain insurers and policies. 

Working with a fee-only and fiduciary advisor means they won’t earn a commission and are more inclined to prioritize acting in your best interest. It’s always wise to ask a financial advisor if they have specific partners or earn commissions for making certain recommendations early on. 

Life Insurance Agent 

A life insurance agent sells policies for a living, so they can be some of the most knowledgeable professionals out there. While insurance agents traditionally work in person, there are also online brokers like Sproutt, if you prefer a digital experience.

Like many financial advisors, insurance agents typically work on commission which means they might have an incentive to recommend products that pay the highest commissions. They earn a commission that can range from 40% to 100% of the first year’s annual premium, along with a 2% to 5% commission each additional year when the policy renews. 

In addition, some life insurance agents work with only one insurer or a handful of insurers, meaning they may only present you with a narrow slate of options. Other agents are “independent” meaning they have a broader reach and can help you get a policy with any life insurance company. 

Your employer

You may already have free no-exam life insurance through your employer. Check with your human resource department to see if life insurance is an employee benefit and what your coverage is. 

Usually, your policy amount is equivalent to one year’s salary and your policy is only active so long as you remain an employee of the company. So keep in mind, if you need a higher coverage amount or don’t plan to stay at your job forever, this is when you should consider a policy from a private company. 

Steps to sign up for no-exam life insurance

Once you pick a company and policy that you’re happy with, it’s time to move forward and sign up for life insurance. All in all, signing up for a no-exam life insurance policy should take one to three days at most. Here is how the process works in four steps.

  1. This process starts with an application that you can submit either online or in person depending on the company. 
  2. You’ll need to enter your basic information such as your name, address, workplace and so on. You will also need to verify your identity by uploading a copy of your ID or driver’s license. During the application process, you may also be asked a few basic medical questions. 
  3. Once your application is submitted, it will go into underwriting. Remember, with a no-exam life insurance policy, underwriting is often accelerated or may even be automated.
  4. When underwriting is complete and your application is approved, you’ll sign papers to confirm the policy so it will go into effect. At this time, you may make your first premium payment as well. 

The advice, recommendations or rankings expressed in this article are those of the Buy Side from WSJ editorial team, and have not been reviewed or endorsed by our commercial partners.

Fri, 16 Dec 2022 01:32:00 -0600 en-US text/html
Killexams : Life Insurance Medical Exams: What You Need to Know

Buying life insurance is important to protect loved ones. But consumers purchasing a policy may need to undergo a life insurance medical exam. Here's what's involved in a life insurance exam, as well as some insight into why this is a common requirement.

What is a life insurance medical exam?

A life insurance medical exam is a physical that is typically requested by a life insurance company. It's part of the process of buying life insurance in most situations. The purpose is to provide insurance companies with the information they need to set premiums. Life insurers usually pay for it, and there is both a verbal questionnaire and a physical exam.

Medical questionnaire

How do life insurance companies check an applicant's medical background? Generally, by asking questions as part of the life insurance application process. During the life insurance exam, consumers will be asked about their past health status. They'll be asked questions about their lifestyle and social habits, as well as their general health.

Physical exam

A life insurance physical is part of a life insurance application process. During the life insurance physical exam, the medical professional performing the process will check weight, collect a blood and urine sample, and check blood pressure.

Why do life insurance companies require an exam?

Life insurers require an exam because insurance companies want to assess the likelihood of paying out claims. To do this, the insurance company wants to know as much as possible about an applicant's physical health.

The insurer wants to see if the potential policyholder has medical conditions that could make their death during the term of coverage more likely. The insurance company also wants to make sure an applicant isn't hiding any possible health issues.

Is an exam required for life insurance?

A life insurance medical exam is required by most life insurance providers -- but not all. A small number of life insurers offer term life insurance with a reasonable amount of coverage without requiring a medical exam. They've harnessed new technologies and algorithms to determine who to cover.

There are also some guaranteed issue life insurance policies that provide coverage without mandating a life insurance medical exam. However, coverage limits are often low with these policies. There may also be restrictions such as a lengthy waiting period before the full death benefit is paid.

What do life insurance companies test for in the medical exam?

When a potential policyholder undergoes a life insurance health exam, the purpose is to identify red flags that could make insuring a policyholder too risky. While there may be slight variations in what different insurers test for when a consumer undergoes a life insurance exam, here are some common things insurers look for.

High blood pressure

High blood pressure is a common life insurance test, as high blood pressure can increase the risk of heart attack, stroke, or other cardiac issues.

Blood sugar

As part of a life insurance blood test, insurers may look for elevated blood sugar that could be indicative of diabetes. Diabetes also comes with health risks that could result in a higher risk of an insurer paying out a death benefit.

Nicotine use

Smoking increases the risk of many medical problems, including various types of cancer. As a result, a life insurance medical exam will involve an assessment of current and past nicotine use. Many carriers offer life insurance for smokers, though premiums are significantly higher.

High cholesterol

There's a higher risk of a stroke or heart disease when a person has high cholesterol. A life insurance exam will test cholesterol levels.

Recreational drugs

The use of recreational drugs is a major risk factor that life insurers consider. An exam will look for evidence of recreational drug use. However, some insurers are willing to accept marijuana users, especially as more states have relaxed the laws on cannabis.

Serious diseases

Finally, life insurers use blood tests to look for serious diseases. This can include conditions such as HIV or AIDS, as well as hepatitis. While some insurers provide coverage for people with HIV, others don't -- and a serious illness could make it impossible or expensive to get life insurance.

How to prepare for the medical exam

It's important to follow the life insurance company's instructions when preparing for a life insurance medical exam. These may include fasting prior to the exam to avoid skewing blood sugar and cholesterol levels.

Drinking water prior to the exam can help flush toxins from the body and dilate veins, making it easier for the technician to draw blood for the blood test. It's also a good idea to avoid strenuous exercise immediately before the exam to avoid elevated blood pressure.

Also, consumers should review their medical history to ensure they can provide accurate, honest answers when asked about their health status. Failing to provide accurate information could result in an insurance company denying an application, canceling the policy, or refusing to pay death benefits.

What happens during the life insurance physical?

During the life insurance physical, a medical professional is typically dispatched to the applicant's home or office. The process will take around 45 minutes or less and will include a nurse or medical technician asking questions, as well as a physical examination. The life insurance exam usually includes:

  • A height and weight check
  • A blood pressure check
  • The collection of blood and urine samples

Other ways life insurance companies get information about you

In addition to a life insurance medical exam, insurers may also employ other techniques to find out information about a potential policyholder's health status. This could include checking your records with the MIB (formerly the Medical Information Bureau), which includes information from past life insurance and health insurance applications. Other potential sources of information include your prescription drug history, driving records, and a criminal background check.

Do life insurance companies call your doctor?

Life insurers generally do not directly ask questions of a person's doctor. Instead, the insurer will ask an applicant for medical information and will arrange for a life insurance medical exam to be conducted by a medical professional of its choosing.

In many cases though, with the permission of the policyholder, an insurer may request medical records from an applicant's doctor's office. It may request an attending physician statement (APS), which is a statement from your provider that gives context about any pre-existing conditions or your general health. However, doctors cannot just disclose patient information to a life insurer without the patient's permission, as doing so would violate federal laws protecting privacy.

Do life insurance companies check medical records?

Life insurance companies may request medical records during the underwriting process. They do this to determine if a policyholder was honest in their answers to medical questions and to look for red flags that could suggest an increased risk of providing coverage. They must obtain permission from the applicant first.

Do life insurers check your credit?

Life insurers may run a credit check. This is more common with life insurance companies that use algorithms and publicly available information to approve people for policies without a life insurance medical exam.

What happens after the exam?

In most cases, insurers will already be aware of any medical issues based on the information provided by the applicant. However, sometimes abnormalities will be uncovered and an insurer may request additional medical assessments. For example, if a life insurance exam shows high blood pressure, the insurer may request a follow-up test to see if it has remained elevated.

Applicants can request a copy of their results after the exam. The information will be sent to the insurer's underwriting department, which will review the results of the life insurance medical exam. Based on this information, the insurer will set premiums. Applicants will then be notified of whether they are approved for coverage and what their premiums will be.

What if I'm not happy with the results?

If an applicant isn't happy with the results of a life insurance exam, there are a few options:

  • Buy coverage anyway, even if the premiums are higher, and request reconsideration after some time passes. This has the benefit of allowing the applicant to get immediate protection.
  • Shop for life insurance from another company. This may result in the same issues arising. But some insurers are more forgiving than others of various medical conditions.
  • Request a follow-up exam. Often, an applicant will have to pay for this if the insurer is satisfied that the results of the initial testing were accurate.
  • Work with a life insurance agent. Insurance professionals often know which carriers are likely to offer coverage to those with pre-existing conditions.

What if I'm denied coverage?

If an applicant is denied coverage after a medical exam, they can:

  • Attempt to correct the issues resulting in the denial, such as by quitting smoking or getting high blood pressure under control with medication.
  • Shop with other insurers that may have less stringent qualifying requirements for similar coverage.
  • Obtain a guaranteed issue life insurance policy that doesn't require a medical exam.

How to get a life insurance medical exam

To get a life insurance medical exam, apply for insurance coverage. The insurer will arrange for the exam to occur at its own cost. The medical exam will take place at the applicant's home or workplace.

Options for life insurance without a medical exam

There are several options for no medical exam life insurance, some of which are better than others. Note that even if you have an underlying health condition, undergoing a medical exam could still help you obtain more coverage at a lower cost.

Simplified issue life insurance

With simplified issue life insurance, you can typically avoid a medical exam. Instead, life insurance companies base decisions on third-party records and your answers to a health questionnaire. Sometimes this is a good option for people who need coverage to begin right away and can’t wait for a life insurance medical exam and full underwriting.

Guaranteed issue life insurance

Guaranteed issue life insurance is life insurance that is available to everyone regardless of medical status. Many insurers offer these policies, although they often have relatively low coverage limits. Many guaranteed issue policies have waiting periods, such as a two-year delay until the full death benefit pays out.

Group life insurance

Group life insurance may be available as a workplace benefit. It's often possible to obtain a set amount of coverage through an employer's group life insurance plan without a life insurance medical exam.

Final expense insurance

Final expense insurance is a small life insurance policy designed to cover funeral costs. Most final expense insurance policies are guaranteed issue policies. That means no life insurance medical exam is required. However, these policies provide limited protection. They only help families cover a small amount of costs after a death.

RELATED: See The Ascent's guide to the best life insurance with no exam.

Mon, 14 Aug 2023 23:56:00 -0500 Christy Bieber en text/html
Killexams : 5 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
Killexams : Foreign medical graduates (FMGs) and foreign medical graduate exam (FMGE): FAQs No result found, try new keyword!Foreign Medical ... provide the exam about six to seven times. Sometimes FMGs find disparity in the question paper pattern, but experts say that there will be a difference in syllabus in different ... Fri, 28 Jul 2023 16:32:00 -0500 en-us text/html Killexams : ChatGPT Passed a Major Medical Exam, but Just Barely

Anyone anxiously holding their breath for a competent robot doctor may need to wait a bit longer. A group of AnsibleHealth AI researchers recently put OpenAI’s ChatGPT to the test against a major medical licensing exam and the results are in. The AI chatbot technically passed, but by the skin of its teeth. When it comes to medical exams, even the most impressive new AI still performs at a D level. The researchers say that lackluster showing is nonetheless a landmark achievement for AI.

The researchers tested ChatGPT on the United States Medical Licensing exam (USMLE), a standardized series of three exams required for U.S. doctors vying for a medical license. ChatGPT managed to score between 52.4% and 75% across all three levels of the exam. That might not sound great to all of the overachievers out there, but it’s about on par with the 60% passing threshold for the exam. Researchers involved in the study claim this marks the first time AI was able to perform at or near the passing threshold for the notoriously difficult exam. Crucially, ChatGPT was able to pass without any extra specialized inputs from human trainers.

“Reaching the passing score for this notoriously difficult expert exam, and doing so without any human reinforcement, marks a notable milestone in clinical AI maturation,” the authors wrote in the journal PLOS Digital Health.

Mediocre test scores aside, the researchers praised ChatGPT for its ability to craft authentic sounding, original answers. ChatGPT managed to create, “new, non-obvious, and clinically valid insights,” for 88.9% of its responses and appeared to show evidence of deductive reasoning, chain of thought, and long term dependency skills. Those findings appear somewhat unique to ChatGPT and its particular style of AI learning. Unlike previous generations of systems that use deep learning models, ChatGPT relies on a large language model trained to predict a sequence of words based on the context of the words that came before. That means, unlike other AIs, ChatGPT can actually generate sequences of words that weren’t previously seen by the algorithm and that could make some coherent sense.

The tricky USMLE exams test participants on basic science, clinical reasoning, medical management, and bioethics. They’re most often taken by medical students and physicians in training. These exams are also standardized and regulated, which makes them particularly well suited to test out ChatGPT’s capabilities, the researchers said. One thing the exams definitely aren’t is easy. Human students typically spend around 300-400 hours stressfully pouring over dense scientific literature and testing material in preparation just for the Step 1 exam, the first of the three.

Surprisingly, ChatGPT managed to outperform PubMedGPT, another large language model AI trained exclusively on biomedical literature. That may seem counterintuitive at first, but the researchers say ChatGPT’s more generalized training may actually provide it a leg up because it’s potentially exposed to a broader range of clinical content like patient-facing disease primers or drug package inserts. The researchers optimistically believe ChatGPT’s passable grade could hint towards a future where AI systems can play an assisting role in medical education. That’s already happening on a small level, they write, citing a recent example of AnsibleHealth clinicians using the tool to rewrite dense, jargon filled reports.

“Our study suggests that large language models such as ChatGPT may potentially assist human learners in a medical education setting, as a prelude to future integration into clinical decision-making,” the researchers said.

In a rather meta twist, ChatGPT wasn’t just tasked with taking the medical exam. The system was also involved with drafting the eventual research paper documenting its performance. Researchers say they interacted with ChatGPT, “much like a colleague” and leaned on it to synthesize and simplify their draft and even provide counterpoints.

“All of the co-authors valued ChatGPT’s input,” Tiffany Kung, one of the researchers wrote.

ChatGPT has added an impressive amount of passing grades to its educational trophy wall in recent months. Last month, ChatGPT managed to score between a B and B minus on a MBA-level exam given to business students at the prestigious Wharton School of the University of Pennsylvania. Right around the same time, the AI achieved a passing score on a law exam given to students at the Minnesota University Law School. In the law exam case, ChatGPT skirted by with a C+.

“Alone, ChatGPT would be pretty mediocre law student,” lead study author Jonathan Choi said in an interview with Reuters. “The bigger potential for the profession here is that a lawyer could use ChatGPT to produce a rough first draft and just make their practice that much more effective.”

ChatGPT might be able to eke out passable scores in exams focused on writing and studying comprehension, but mathematics is another beast entirely. Despite its impressive ability to bust out academic papers and semi-conceiving prose, researchers say the AI only performs at roughly a 6th grade level when it comes to math. ChatGPT fares even worse when it’s asked basic arithmetic problems in natural language format. That stumbling stems from its predictive large language model training. ChatGPT will, of course, confidently provide you an answer to your math problem, but it could be completely divorced from reality.

ChatGPT’s at time wacko answers are what senior Google engineers and other in the field have referred to, cautiously, as AI “hallucinations.” These AI hallucinations create answers that seem convincing but are partially or completely made up, which isn’t exactly a great sign for anyone looking to authoritative AI’s in high-stakes fields like medicine and law.

“It [ChatGPT] acts like an expert, and sometimes it can provide a convincing impersonation of one,” University of Texas professor Paul von Hippel said in a recent interview with The Wall Street Journal. “But often it is a kind of b.s. artist, mixing truth, error and fabrication in a way that can sound convincing unless you have some expertise yourself.”

Tue, 14 Feb 2023 07:26:00 -0600 en text/html
Killexams : Best No-Exam Life Insurance Of August 2023

Calculate How Much Life Insurance You Need

A no-exam life insurance policy may not be able to provide the full coverage amount you need, especially if you’re looking to cover many working years or the years of raising a family.

Before you start getting life insurance quotes, calculate how much life insurance you need. A no-exam policy alone may not be able to provide sufficient coverage.

Assess Your Chances Before You Apply

Getting life insurance without a long application process is appealing, but don’t jump into a no-exam life insurance application without understanding your chances of getting approved. Many no-exam policies require very good or excellent health for approval. A denial goes on your insurance record and could hinder future applications.

Don’t be surprised if you end up doing a more traditional application process, including a life insurance medical exam if you’ve had some health issues.

Look Beyond the Cost

Of course you don’t want to overpay for life insurance, but research more than cost. There are coverage options that can be very valuable long after you buy the policy, such as the option to convert term life to permanent life insurance. Also, look at whether there’s an accelerated death benefit, which gives you access to money from your own death benefit if you become terminally ill.

Be Truthful On the Application

No matter what type of life insurance you’re applying for, be thorough and truthful on the application.

“Pay attention to each question carefully and be ready to respond with information around specific medical conditions you have. Giving more detailed information will help streamline the process as well as get a more accurate underwriting decision,” says Tavan of Legal & General America.

Intentional misrepresentations can lead to application denials or, worse, denial of a claim after you pass away. Life insurance companies have many ways to verify application information. Technology on the backend allows them to verify data from additional sources.

Have a Plan in Case of a Rejection

If the company rejects you for no-exam life insurance because of your health, don’t provide up your life insurance search. If you need life insurance, you likely have other routes.

  • Be prepared to go through a more traditional underwriting process that involves a life insurance medical exam.
  • Work with an experienced life insurance agent who can identify insurers known to be more friendly to your specific health conditions.
  • An experienced life insurance agent can shop around your application anonymously so that you don’t risk another rejection.

Looking for traditional term life insurance? See Forbes Advisor’s ratings of the best term life insurance.

Thu, 03 Aug 2023 16:07:00 -0500 Ashlee Tilford en-US text/html
Killexams : No Medical exam Life Insurance: Cheap Term & Whole Life Insurance Without a Physical No result found, try new keyword!No spam. No hassle. No hidden costs. No medical exam life insurance — also called simplified issue — offers coverage without a physicals, blood test or urine test. If you need insurance on short ... Sat, 15 Aug 2020 06:53:00 -0500 en-US text/html
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