If you're dead set on not taking a paramedical exam and your only other alternative is a guaranteed plan — you remember, the plan that also doesn't require a paramedical exam — the cheaper option is almost always going to be a simplified issue plan. (policygenius.com)
You may have to take your paramedical exam again, too. (policygenius.com)
If you want continued protection, though, a term conversion rider lets you convert a term life insurance policy into a permanent policy without taking another paramedical exam — a welcome adjustment, because taking an exam when you're old enough for your term policy to have expired would likely make the premiums prohibitively expensive. (policygenius.com)