Some policies can be automatically renewed at the end of the coverage period, and some can be converted to permanent insurance without need for a medical exam. (abramsinc.com)
The underwriting process is similar to a traditional policy but, without the need for a medical exam. (accuquote.com)
Their extensive studies showed that around 50 % of applicants had favorable health, which they determined eliminated the need for medical exams. (insurancescored.com)