Despite the significant number of students skipping the exams, the state as a whole met the test participation rate of 95 percent. (chicagotribune.com)
For those clients that are willing to take a lesser benefit amount and skip the exam entirely, that's an option. (highincomeprotection.com)
So the process is fairly simple: application, signature, and then straight to underwriting by skipping the exam. (insurechance.com)