No test insurance is coverage which, when applied for, does not require a medical exam or health questions. It can include life insurance, accident insurance, health insurance, dental insurance, and disability insurance. Companies offering no test, or no exam, insurance sometimes provide guaranteed coverage depending on the policy type you seek, and many let you apply online in the safety of your home. That’s right: No agent visits, no exams. Just a fast, no-hassle way to get a quote and get a policy. Some types of coverage, however, do require medical records. That’s one reason we’re here: to ease the process of getting protection.