All Frequently Asked Questions

Can I use existing lab results instead of having to take a medical exam?

If you've completed a medical exam for another life insurance application in the past 12 months, you might be able to submit it in place of having to retake the exam.

Please email our Customer Success team at and include:

1. the previous life insurance carrier name

2. the previous exam provider's name (many life insurance exams are conducted by ExamOne, CRL or APPS)

3. the approximate date of the exam (month and year should be sufficient)

Please note: If you have recently seen a doctor for a physical or other checkup, it is unlikely that we will be able to waive the medical exam, since there are specific requirements that are tested for in a life insurance medical exam that your doctor wouldn't check in a regular physical.