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4A0-C02 Okia SRA Composite exam | [HOSTED-SITE]

4A0-C02 exam - Okia SRA Composite Updated: 2024

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Exam Code: 4A0-C02 Okia SRA Composite exam January 2024 by Killexams.com team

4A0-C02 Okia SRA Composite

Exam Detail:
The 4A0-C02 exam, also known as "Nokia SRA Composite," is a certification exam that validates the knowledge and skills of IT professionals in implementing and managing Nokia Service Routing Architect (SRA) solutions. Here are the details of the 4A0-C02 exam:

- Number of Questions: The 4A0-C02 exam typically consists of multiple-choice questions (MCQs) and may include scenario-based questions. The exact number of questions may vary, but it generally ranges from 60 to 70 questions.

- Time Limit: The time allocated to complete the 4A0-C02 exam is usually around 90 minutes. However, the duration may vary depending on the specific exam requirements and the exam delivery platform.

Course Outline:
The 4A0-C02 exam covers a broad range of subjects related to the implementation and management of Nokia SRA solutions. The exam assesses the candidate's knowledge in the following areas:

1. Nokia Service Routing Architect (SRA) Fundamentals:
- Understanding the key concepts, principles, and components of Nokia SRA solutions.
- Exploring the architecture and functionalities of Nokia SRA platforms.
- Understanding the role of SRA in service provider networks.

2. Routing and Protocols:
- Configuring and managing routing protocols such as OSPF, IS-IS, and BGP in Nokia SRA environments.
- Implementing advanced routing techniques, including route filtering, redistribution, and route summarization.
- Troubleshooting routing issues and optimizing routing performance.

3. MPLS and Traffic Engineering:
- Understanding MPLS concepts, protocols, and services in Nokia SRA solutions.
- Configuring and managing MPLS-based VPNs (Virtual Private Networks) in SRA environments.
- Implementing traffic engineering mechanisms for optimizing network resource utilization.

4. Service Provider Edge (SPE) Services:
- Configuring and managing key SPE services such as L2VPN (Layer 2 VPN), L3VPN (Layer 3 VPN), and QoS (Quality of Service) in Nokia SRA deployments.
- Understanding the implementation of advanced SPE services, including multicast and IPv6 support.
- Troubleshooting common service-related issues in SPE environments.

5. Network Security and High Availability:
- Implementing security features and mechanisms in Nokia SRA solutions, including access control, firewall policies, and VPN security.
- Configuring and managing high availability solutions such as VRRP (Virtual Router Redundancy Protocol) and BFD (Bidirectional Forwarding Detection).
- Ensuring network resilience and reliability through redundancy and fault tolerance.

Exam Objectives:
The objectives of the 4A0-C02 exam are as follows:

- Assessing the candidate's knowledge and understanding of Nokia SRA fundamentals, including architecture, components, and functionalities.
- Evaluating the candidate's ability to configure and manage routing protocols and advanced routing techniques in SRA environments.
- Testing the candidate's skills in implementing MPLS, traffic engineering, and VPN services in Nokia SRA solutions.
- Verifying the candidate's knowledge of SPE services, including L2VPN, L3VPN, and QoS, and their configuration and troubleshooting.
- Assessing the candidate's understanding of network security and high availability mechanisms in Nokia SRA deployments.

Exam Syllabus:
The 4A0-C02 exam covers the following topics:

1. Nokia SRA Fundamentals
2. Routing and Protocols
3. MPLS and Traffic Engineering
4. Service Provider Edge (SPE) Services
5. Network Security and High Availability
Okia SRA Composite
Nokia Composite exam

Other Nokia exams

SDM-2002001030 PDM MS (SDM_2002001030)
SDM-2002001040 SDM Certification - CARE (SDM_2002001040)
4A0-N01 Nuage Networks VCS Fundamentals
SDM_2002001050 SDM Certification - NI
4A0-C02 Okia SRA Composite
4A0-C04 Nokia NRS II Composite
4A0-115 Nokia Ethernet Virtual Private Network Services
BL00100-101-E Nokia Bell Labs End-to-End 5G Foundation
4A0-114 Nokia Border Gateway Protocol Fundamentals for Services
4A0-116 Nokia Segment Routing
4A0-AI1 Nokia NSP IP Network Automation Professional Composite
4A0-255 Nokia Advanced Optical Network Design
BL0-100 Nokia Bell Labs 5G Foundation
4A0-205 Nokia Optical Networking Fundamentals
4A0-113 Nokia OSPF Routing Protocol
BL0-200 Nokia 5G Networking Certification

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Question: 190
Which of the following commands would correctly configure the confederation AS number as 65200 with a member
AS of 65202?
A. config>router- confederation 65200 members 65202
B. config>router>bgp= confederation 65200 members 65202
C. config>router= confederation 65202 members 65200
D. config>router>bgp= confederation 65202 members 65200
Answer: A
Question: 191
Click the exhibit.
Over which BGP session will router B learn the 10.1.1.0/24 prefix?
A. The session between router A and router
C. The session between router C and router
E. The session between router D and router
G. Router B will learn the prefix over all of the sessions, then it will choose the best route.
Answer: A
Question: 192
Which of the following statements regarding BGP Add-Paths is FALSE?
A. Add-Paths allows non-best paths to be advertised to a peer.
B. Add-Paths capabilities are exchanged between peers after the BGP session is established.
C. A BGP speaker must advertise the capability to receive multiple paths from its peer.
D. A BGP speaker must advertise the capability to send multiple paths to its peer.
Answer: B
Question: 193
Which of the following regarding the TTL of a BGP message is TRUE?
A. TTL is a well-known mandatory BGP attribute.
B. The default TTL value of an eBGP message is 1, and 64 for an iBGP message.
C. The default TTL value of an iBGP message can be modified using the multihop command.
D. The default TTL value of an eBGP message can be modified using the "ttl-security" command.
Answer: B
Question: 194
Click the exhibit.
Router R2 receives a route to 192.168.1.0/27 from router R4, and sets the local preference to 110. Router R1 receives
a route to 192.168.1.0/27 from router R3, and sets the local preference to 80. Both ASs have a full iBGP mesh.
What path does traffic destined to 192.168.1.0/27 take from router R1?
A. R1-R3-R8
B. R1-R2-R4-R8
C. R1-R3-R4-R8
D. R1-R2-R4-R3-R8
Answer: B
Question: 195
What class of attribute is Originator_ID?
A. Well-known mandatory.
B. Well-known discretionary.
C. Optional transitive.
D. Optional non-transitive.
Answer: D
Question: 196
Click the exhibit.
Given that ISP 1 and ISP 2 are Tier 2 providers, and that ISP 3 and ISP 4 are Tier 1 providers, what is the most likely
relationship between ISP 1 and the other ISPs?
A. ISP 1 has a peering relationship with ISP 2 and ISP 4.
B. ISP 1 has a peering relationship with ISP 2 and a transit relationship with ISP 3.
C. ISP 1 has a peering relationship with ISP 2 and ISP 3.
D. ISP 1 has a transit relationship with ISP 2 and ISP 4.
E. ISP 1 has a transit relationship with ISP 2 and a peering relationship with ISP 3.
Answer: B
Question: 197
Which of the following best describes the purpose of advertise-external?
A. It enables a BGP speaker to advertise multiple external routes to iBGP peers.
B. It enables a BGP speaker to advertise its best external route to iBGP peers when the best overall route is internal.
C. It enables a BGP speaker to advertise its best external route to eBGP peers without an import policy.
D. It enables a BGP speaker to advertise its best internal route to eBGP peers without an export policy.
Answer: B
Question: 198
Assuming that "client1" and "client2" are directly-connected networks, what is the result of executing the following
BGP policy?
A. "client2" routes will be tagged with communities "West" and "North".
B. "client2" routes will be tagged with communities "West", "North" and "South".
C. "client2" routes will be tagged with community "West".
D. "client2" routes will be tagged with community "South".
Answer: C
Question: 199
Which of the following organizations would an ISP based in Europe approach for an IP prefix assignment?
A. ARIN
B. ICANN
C. RIPE NCC
D. LACNIC
E. APNIC
Answer: C
Question: 200
Which of the following regarding BGP confederations is FALSE?
A. A confederation is a collection of Autonomous Systems advertised as a single AS number to BGP speakers outside
the confederation.
B. Each member AS must either maintain a full mesh of iBGP sessions, or use route reflection.
C. Confederations can be used to subdivide ASs that have a large number of BGP speakers into smaller domains.
D. A full mesh of intra-confederation eBGP sessions is required between the member ASs.
Answer: D
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Nokia Composite exam - BingNews https://killexams.com/pass4sure/exam-detail/4A0-C02 Search results Nokia Composite exam - BingNews https://killexams.com/pass4sure/exam-detail/4A0-C02 https://killexams.com/exam_list/Nokia Testicular Self-Exam
What should I look for during a testicular self-exam?

Sheldon Marks, MD

There's the testicle itself, which should be like a firm, but not hard, egg-sized, almost thing. The epididymis, where the sperms mature and develop the ability to fertilize the egg, feels more like an earthworm attached to the bag. And there can be little tiny cysts and nodules that come off of that, and lumps and bumps. So it's essential that when you do a testicular self-exam that you get used to understanding what you're like. It's like women with a breast exams. You learn the lumps and bumps. Down there the guy needs to know what's normal, so if there is a change they can say, aha, this lump wasn't there last month. Uh, they should be doing an exam ideally once a month, in the shower when they're soapy and wet, and that will tell them what their normal baseline is. But our biggest problem in urology is that most men are diagnosed with testicular cancers late. They don't find them early when it's a little lump or bump. They wait until it's large or in the cases of some celebrities when it's already metastatic and advanced and they're showing signs of advanced disease.

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Hide Video Transcript

Narrator

What should I look for during a testicular self-exam?

Sheldon Marks, MD

There's the testicle itself, which should be like a firm, but not hard, egg-sized, almost thing. The epididymis, where the sperms mature and develop the ability to fertilize the egg, feels more like an earthworm attached to the bag. And there can be little tiny cysts and nodules that come off of that, and lumps and bumps. So it's essential that when you do a testicular self-exam that you get used to understanding what you're like. It's like women with a breast exams. You learn the lumps and bumps. Down there the guy needs to know what's normal, so if there is a change they can say, aha, this lump wasn't there last month. Uh, they should be doing an exam ideally once a month, in the shower when they're soapy and wet, and that will tell them what their normal baseline is. But our biggest problem in urology is that most men are diagnosed with testicular cancers late. They don't find them early when it's a little lump or bump. They wait until it's large or in the cases of some celebrities when it's already metastatic and advanced and they're showing signs of advanced disease.

latest videos on Sexual Health

Sun, 31 Jul 2022 07:38:00 -0500 en text/html https://www.webmd.com/sex/video/marks-testicular-self-exam
composite video

In the home computer market of the 1980s, there were several winners that are still household names four decades later: the Commodore 64, the Apple II and the Sinclair Spectrum, to name a few. But where there are winners, there are bound to be losers as well – the Mattel Aquarius being a good example. A price war between the bigger players, combined with a rather poor hardware design, meant that the Aquarius was discontinued just a few months after its introduction in 1983. However, this makes it exactly the type of obscure machine that [Leaded Solder] likes to tinker with, so he was happy to finally get his hands on a neat specimen listed on eBay. He wrote an interesting blog post detailing his efforts to connect this old beast to a modern TV.

The main issue with the Aquarius is that it only has an RF video output, which results in a rather poor rendition of its already very limited graphics capabilities. Luckily, there is a fix available in the form of a composite A/V adapter that’s an almost plug-and-play upgrade. The only thing you need to do, as [Leaded Solder] illustrates in his blog post, is open up the computer, desolder the RF modulator and solder the A/V adapter in its place. Getting to that point was a bit tricky due to heavy EMI shields that were fixed in place with lots of solder, requiring liberal use of a desoldering iron. Continue memorizing “Adding Composite Video To The Mattel Aquarius”

Thu, 07 Sep 2023 12:00:00 -0500 en-US text/html https://hackaday.com/tag/composite-video/
Exam Information

An exam proctor will begin memorizing exam instructions approximately 15 minutes before the exam start time. Students must be in the exam room with their exam at this time. If taking the exam on a laptop, it must be booted up and have passed the security check. Hand writers must not have a laptop with them in an exam room, unless otherwise allowed according to the professor’s instructions. A student entering the exam room after the proctor begins memorizing instructions will not receive additional time for booting up their laptop, passing the security check, and/or memorizing exam instructions.

When instructed by the proctor, write your exam number on the cover page of your exam, bluebooks, and any scratch paper you turn in as part of your exam. Handwritten exam answers must be written in blue books in blue or black ink. Number the bluebooks you use (1 of 1, 1 of 2, 2 of 2, etc.). Proctors will allow time to read the professor’s instructions. Other than counting the number of pages of the exam, students are not permitted to turn the page of an exam past the instructions page until the proctor instructs them to do so.

When taking a closed-book exam, no books, outlines, book bags, purses, or scratch paper (other than the scratch paper provided) may be at your seat during the exam. These items must be left outside of the exam room or in the front or sides of the exam room. Students may not begin to write anything, including on scratch paper, before the proctor begins a closed-book exam.

Students taking in-class exams are prohibited from having any electronic communication device, other than a laptop as allowed per the professor's instructions, during the exam. Cell phones and smart watches must be turned off during the exam and placed in a bag or backpack. Violations of this rule may be considered an Honor Code violation. A clock in each exam room will be the official timekeeper for the exam.

Non-alcoholic beverages are permitted in exam rooms; however, the container must have a lid.

After the exam instructions have been read and the exam begins, the proctor will remain in the room. Any student who has a question or problem during an exam should see the proctor.

Students may use the restroom or take a break during an exam. However, all exam materials must be left in the exam room and no additional time will be given. Students must sign in and out at the front of the room with the proctor.

Thu, 15 Jun 2023 00:20:00 -0500 en text/html https://www.slu.edu/law/academics/registrar/exam-information/index.php
Best No-Medical-Exam Life Insurance Companies

Final Verdict

All of the companies on this list represent good options for getting life insurance without a medical exam. All are A+ rated or better for financial strength and have received fewer complaints than expected when averaged over a three-year period. If you don’t need more than $3 million in coverage and are 50 or younger, any company on this list could be a good fit. But if you’re over 50 and looking for a death benefit of more than $1 million, you can rule out Nationwide. If you’re over 60, your only option for high-coverage no-medical-exam life insurance is Penn Mutual. And regardless of your age, Penn Mutual is your only option if you need a death benefit greater than $5 million and don’t want to take an exam.

If you’re looking for term coverage, try Penn Mutual or Pacific Life; for dividends, Penn Mutual or Guardian. If you want free living benefits, look to Nationwide. And if you’d like a wellness plan with your life insurance, John Hancock delivers.

How To Choose a No-Medical-Exam Life Insurance Policy

Term life insurance is designed to last for a specific number of years, such as 30, and then expire. Permanent life insurance is designed to last your entire lifetime, and is therefore more expensive than term. You may also want to combine term and permanent policies to have a higher-coverage term policy during your working years or while you’re raising a family, and then a lower-coverage permanent policy that will kick in once the term coverage expires.

Term policies let you choose the length of the term (a 40-year term is the longest we’ve seen), and often provide the option to convert your term coverage to permanent. Permanent policies have a cash value, which may be accessed via withdrawals and loans.

Once you’ve figured out your budget and the general type of coverage you need, you should begin to get quotes from financially stable companies with track records of good customer satisfaction. 

If you want a no-exam life insurance policy, it may be helpful to know that most of the 91 companies we reviewed offer some sort of policy that doesn’t require an exam. You’re best off first finding a good company (or a few you like), and then seeing what kind of policy you can get without an exam. This list and our rankings of the best life insurance companies are both good places to start. And be sure to compare multiple quotes for no-exam life insurance because some policies are cheaper than others (depending on the type of no-exam underwriting used).

A number of companies offer life insurance policies without requiring a medical exam, but you’ll generally be eligible for the lowest premiums with those that ask thorough health questions on the application. 

More Ratings of Top Life Insurance Companies

Frequently Asked Questions

  • Most any type of policy is eligible for no-exam underwriting. It used to be that if you wanted to skip the exam, only low-coverage insurance policies were available to you. These are still available and sold as burial or funeral insurance, or guaranteed-issue policies. But now, insurers have a number of sophisticated means by which to collect health and other information, so they don’t need to rely on your exam. Plus, it costs them money to administer it and time to receive and review the results. No-exam underwriting allows insurance carriers to issue life policies faster, which is often good for both the customer and the insurer.

    So whether you’re looking for term or permanent coverage, a whole life policy or an indexed universal life policy, it’s available somewhere without a medical exam. But not all companies offer no-exam life insurance on all or even any of their policies, so you’ll need to do some research to find one that does. (The companies in the list above are an excellent start.) The one caveat is that not everyone is eligible for no-exam underwriting. If you have health issues that raise red flags for the insurance company, you may be required to undergo a medical screening to complete your application.

  • Yes, if it's a policy with a cash value. No-exam life insurance policies are just like regular life insurance policies. The only difference is that a medical screening is not required during the application process. Once approved, the policy functions just as it would had you taken an exam. So if you’ve purchased a permanent life insurance policy that builds a cash value, that cash value will be available to you, subject to any surrender period or other standard policy conditions.

  • Choosing the best life insurance policy for you depends on your life insurance needs. How much coverage do you need? (Ideally, you’ll get enough to pay off your debts and replace your income, at the very least.) How long do you need it for? Your needs may change once your kids are grown and your home is paid off, for instance. The next question to ask is, how much premium can you afford?

Methodology

In order to compile our list of the best no-medical-exam life insurance companies, we developed a comprehensive life insurance methodology. We started off by researching what consumers want from life insurance companies, and for that, we looked to third-party consumer studies, including J.D. Power’s 2021 U.S. Life Insurance New Business Study and the 2021 Insurance Barometer Study, by Life Happens and LIMRA.

With those findings in mind, we gathered more than 50 data points on 91 life insurance companies, including ratings for financial strength, customer satisfaction, and customer complaints, as well as information about years in business, online tools, no-exam options, dividends, maximum issue ages, and available riders. 

Our review process gave preference to companies with solid financials, few customer complaints, high no-exam coverage amounts available, high-issue ages for no-exam coverage, and a broad product portfolio. Companies received ratings boosts for online resources, including online quotes and live chat, and included living benefit riders. We ranked each company according to the following categories and weights.

  • 28%: No-med-exam availability and features
  • 20% Policy types and features
  • 15%: Financial stability 
  • 15%: Customer satisfaction
  • 13%: Ease of application
  • 9%: Online resources

To finalize our list, we compared individual offerings between top companies by considering ratings from third parties such as AM Best and J.D. Power, and delving deeper into product specifics—including cost and the availability of dividends. We used this research to determine the best no-medical-exam life insurance companies.

Mon, 12 Oct 2020 06:49:00 -0500 en text/html https://www.investopedia.com/best-no-medical-exam-life-insurance-5078737
Exams & Academic Calendars

Exam schedules, academic calendars, registration dates, and grading deadlines are maintained by the Office of the University Registrar.

Calendars are created by a faculty committee under the direction of the Office of the Provost and are subject to change in the event of major disruptions (natural disasters, national emergencies, etc.) to W&M's normal operations on the Williamsburg campus and the Virginia Institute of Marine Science (VIMS) campus in Gloucester Point.

Academic Calendars
Thu, 04 Jan 2024 00:14:00 -0600 en text/html https://www.wm.edu/offices/registrar/calendarsandexams/
Your Skin Cancer Physical Exam: What to Expect

If you have fair skin or you’ve spent lots of time in the sun, it’s a good idea to ask your doctor if you should get regular skin cancer screenings.

These visual checks by your regular doctor or a dermatologist can help find skin that could be cancer or might turn into it someday. That’s important because skin cancer is the most common type of cancer, but it’s also one of the easiest kinds to treat if you catch it early.

Before Your Exam

It’s a good idea to look over your skin yourself before your appointment so you can point out anything that seems odd.

Check every part of your skin, including your scalp, behind your ears, under your arms, and between your buttocks. A full-length mirror and a hand mirror can help you see hard-to-reach places. You’ll want to note any moles or growths that:

  • Are new
  • Have changed over time
  • Itch
  • Bleed

What Happens During a Skin Cancer Full Body Exam?

The screening usually takes 10 minutes, or longer if the doctor sees any moles that look unusual. You’ll take off all of your clothes and put on a medical exam gown. Your doctor will ask if you have any moles that concern you. Then, they will then look at every inch of your body -- from your face, chest, arms, back, and legs to less-visible places like your scalp, between your toes, and the soles of your feet.

What the Doctor Is Looking For

During a skin cancer screening, your doctor is checking for the “ABCDEs” of each mole, which are all possible signs of skin cancer:

  • Asymmetry: Not the same shape on both sides
  • Border irregularity: Ragged or blurred edges
  • Color: Different shades of tan, brown, or black
  • Diameter: Larger than 1/4 inch
  • Evolving: Changes over time

Your doctor will also check for actinic keratosis, skin changes caused by sun damage that, without treatment, can turn into cancer.

A Mole Biopsy

A visual check of your skin only finds moles that may be cancer. It can’t tell you for sure that you have it. The only way to diagnose the condition is with a test called a biopsy. If your doctor thinks a mole is a problem, they will supply you a shot of numbing medicine, then scrape off as much of the mole as possible. You shouldn’t feel pain, only tugging or pressure. They’ll send the demo of your mole to a lab, where a pathologist will check it under a microscope for cancer cells.

If the biopsy shows skin cancer, your doctor will let you know the next steps and what kind of treatments might be right for you. You may want to ask for a second opinion, since it can be hard to tell the difference between a demo that’s not cancerous and one that is.

Continued

How Often Should You Get a Skin Cancer Exam?

Experts disagree on this question. Some medical groups say you should only get a screening if you have suspicious moles or you have a high chance of getting melanoma, the deadliest type of skin cancer.

Others recommend a yearly screening for people who are at high risk for skin cancer. A few things make you more likely to get it:

  • Blond or red hair, light eye color, and skin that freckles or sunburns easily
  • People in your family have had melanoma
  • You’ve had unusual moles in the past
  • You’ve had sunburns before, especially any that blistered
  • You’ve used tanning beds
  • You have more than 50 moles or any that look irregular
  • You’ve had an organ transplant

Your dermatologist will want to see you twice a year if you’ve ever had basal or squamous cell cancer. After a melanoma diagnosis, you’ll likely see your dermatologist every 3 months for the first year and then twice a year after that.

WebMD Medical Reference

Sources

SOURCES:

Bruce Robinson, MD, spokesperson, American Academy of Dermatology.

Skin Cancer Foundation: “Make the Most of Your Visit to the Dermatologist,” “Early Detection and Self Exams.”

American Academy of Dermatology: “What to expect at a SPOTme skin cancer screening.”

CDC: “Skin Cancer: What Screening Tests Are There?”

National Cancer Institute: “Skin Cancer Screening (PDQ).”

Journal of the American Medical Association: “Screening for Skin Cancer: US Preventive Services Task Force Recommendation Statement.”

U.S. Preventive Services Task Force: “Screening for Skin Cancer in Adults.”

MD Anderson Cancer Center: “Skin Cancer Screening Exams.”

Memorial Sloan Kettering Cancer Center: “Screening Guidelines.”

© 2023 WebMD, LLC. All rights reserved.
Sun, 02 Aug 2020 07:41:00 -0500 en text/html https://www.webmd.com/melanoma-skin-cancer/skin-cancer-physical-exam
Best Composite Decking of 2024

Our tests turned up benefits and drawbacks to using composite decking.

Among the nonwood decking choices, which also included aluminum and plastic, we found composite to be best for the look of wood without the need to apply wood stain. Most composite decking models did a top-notch job of resisting staining from ketchup, mustard, and other common spills. 

But some products offered far less resistance to slips, flexing, and sag in our tests. And most choices are more expensive and heavier than traditional natural pine. (We also tested western red cedar, ironwood, and redwood.)

The extra weight of composite planks can make them more difficult to handle if you’re doing the job yourself, Handel says.

And even a composite deck that resists staining will need to be cleaned periodically to rid it of everyday dirt and grime. Cleaning guidance varies, especially with regard to pressure washing, so check the maker’s website for tips about your specific model.

For a look at all the considerations, start with our decking buying guide.

CR members can jump right to our complete decking ratings or read on for the very best composite decking from our tests. (Note that three composite decking products in CR’s tests—Envision Evergrain, Fiberon Paramount, and Veranda Decking Board—are now in their third test year. As you browse the decking ratings, keep in mind that their ratings represent performance after two years, not three.) Unless otherwise noted, the prices below are per linear foot.

Sun, 30 Jan 2022 21:31:00 -0600 en-US text/html https://www.consumerreports.org/home-garden/decking/best-composite-decking-from-consumer-reports-tests-a6753939440/
Best No exam Life Insurance Companies of January 2024

Our experts answer readers' insurance questions and write unbiased product reviews (here's how we assess insurance products). In some cases, we receive a commission from our partners; however, our opinions are our own.

Many of the best life insurance companies offer no-exam life insurance, which has the obvious appeal of skipping medical exams. 

Featured No exam Life Insurance Companies from Our Partners

Ethos Life

Insider’s Rating
A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star
4.37/5
Icon of check mark inside a promo stamp It indicates a confirmed selection.
Perks

Apply for life insurance online in just a few minutes with Ethos' simple application. No medical exams are required. Just answer a few health questions—many customers enjoy same-day coverage!

JD Power Customer Satisfaction Rating

Not Rated

AM Best Financial Strength Rating

A

Pros
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. 100% online application process, quotes in minutes
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Coverage starts immediately once approved
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Term policies renewable up to age 94 for qualifying applicants
Cons
  • con icon Two crossed lines that form an 'X'. No conversion options to turn term policies to whole life for no exam policies
  • con icon Two crossed lines that form an 'X'. Whole life policy limits are lower

SBLI Life Insurance

Insider’s Rating
A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star
3.56/5

AM Best Financial Strength Rating

A

Pros
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Whole and term life insurance products
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Final expense options
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Diverse life insurance riders available
Cons
  • con icon Two crossed lines that form an 'X'. Company does not post important information like limits on its site
  • con icon Two crossed lines that form an 'X'. No universal life insurance options
  • con icon Two crossed lines that form an 'X'. Age limit of 60 on accelerated underwriting

Bestow Life

Insider’s Rating
A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star
3.37/5

AM Best Financial Strength Rating

A+

Pros
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Premiums as low as $8/month
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Easy online access
Cons
  • con icon Two crossed lines that form an 'X'. Company only offers term policies
  • con icon Two crossed lines that form an 'X'. Limited support for customer needs
  • con icon Two crossed lines that form an 'X'. Maximum coverage limits are low

Complete Editorial Review of the Best No exam Life Insurance Companies

  • Ethos Life: Best Term Life Policy
  • AARP Life Insurance: Best for Seniors
  • USAA Life Insurance: Best for Military Members
  • Prudential Life Insurance: Best for Higher Policy Limits
  • Mutual of Omaha Life Insurance: Best for Guaranteed Acceptance
  • AAA Life Insurance: Best for Waiting Period

Compare the Best No exam Life Insurance 

Many insurers offer a range of permanent and term life insurance policies that require a medical exam. These companies offer the best no medical exam life insurance policies. 

Best Term Life Policy

Ethos No Medical exam Life Insurance

Ethos Life accepts applicants up to age 65 with a 100% online application process, and limits are as high as $2 million. 

Ethos Life asks a few basic medical questions, but coverage is effective immediately once approved. In addition, every customer buying policies like this from Ethos Life is eligible for a 30-day look period, which is another way to say you can cancel and get your money back in the first 30 days with no penalties.

  • Health questions: Yes
  • Coverage limits: Up to $2 million
  • Age: 20-65
  • Waiting period: May apply
  • Unique feature: Instant quotes available with a streamlined online application

Ethos Life Insurance Review

Best for Seniors

AARP No Medical exam Life Insurance

AARP Life Insurance caters to senior clients for insurance and many other financial products. Older adults between 50 and 74 may qualify as long as they are AARP members. Term policies are available with limits up to $150,000 in most states. Montana and New York residents may be eligible for up to $100,000. Whole life policy limits max out at $25,000.

Whole life policies can be issued without any health exams or medical questions. The term policies, on the other hand, may ask some health questions.

  • Health questions: For term life policies, but not whole
  • Coverage limits: Up to $150,000
  • Age: 50-74
  • Unique feature: No medical exam policy caters to older adults

AARP Life Insurance Review

Best for Military Members

USAA No Medical exam Life Insurance

USAA Life Insurance is typically associated with military members and their immediate family members, but its insurance products are available to anyone. Pricing is lower, payouts are higher, and customer service is strong. Of course, these services are only available to military and qualifying family members. For the children of a deceased military member to use any USAA products, the military member would need to be signed up before their death.

Guaranteed whole life policies are available in 49 states, excluding Montana. USAA life insurance coverage is available from $2,000 to $25,000 with no medical exam or questions. Applicants who want higher coverage limits can explore medical exam policy options with a licensed agent.

  • Health questions: No
  • Coverage limits: Up to $25,000
  • Age: 45-85
  • Waiting period: Two years
  • Unique feature: Below-market product costs available for military members and qualifying family

USAA Life Insurance Review

Best for Higher Policy Limits

Prudential No Medical exam Life Insurance

Prudential Life Insurance offers up to $3 million in coverage for term life policies. Adults up to 60 years old are eligible for coverage with a short application involving some medical questions. For younger applicants, conversion options may also be available later to make term policies into whole life policies. However, due to the higher limits, Prudential's application process may also be longer.

  • Health questions: Yes
  • Coverage limits: Up to $3 million
  • Age: 20-60
  • Waiting period: Two years
  • Unique feature: High expert and customer rankings with a trusted provider

Prudential Life Insurance Review

Best for Guaranteed Acceptance

Mutual of Omaha No Medical exam Life Insurance

Mutual of Omaha Life Insurance has high financial stability and customer satisfaction ratings across different types of insurance. Guaranteed life policies are available for adults between the ages of 45 and 85. In New York state, the age range is 50-75. Policies can be as small as $2,000 in most states and as large as $25,000 with no health questions or medical exams.

Mutual of Omaha's no medical exam policies have a graded death benefit. If you die within two years of the policy start date, the company will not pay the full policy. Instead, it delivers 110% of the premiums paid. The Mutual of Omaha website boasts same-day payouts on most policies. Policies for children are also available.

  • Health questions: No
  • Coverage limits: Up to $25,000
  • Age: 45-85 (50-75 in New York State)
  • Waiting period: Two years
  • Unique feature: Company website lists same-day payment on most claims

Mutual of Omaha Life Insurance Review

Best for Waiting Period

AAA No Medical exam Life Insurance

AAA Life Insurance offers immediate death benefits for qualified applicants between 18 and 75. In other words, once your policy starts, you are eligible for the full policy benefit. Policies are available with limits as low as $25,000 and as high as $500,000. While a medical exam is not required, health questions are.

AAA offers term policies with limits as high as $500,000. For a whole life policy, the limit is $25,000. But applicants can add a rider doubling the payout for accidental death coverage. Younger people have no waiting period for benefits. For applicants over age 45, AAA pays out 130% of the premiums paid up to the date of death for the first two years.

  • Health questions: Yes
  • Coverage limits: Up to $500,000 term/$25,000 whole
  • Age: 18-75
  • Waiting period: Applies after age 45
  • Unique feature: Death benefit available regardless of the cause of death

No Medical exam Life Insurance FAQs

A no medical exam life insurance policy could be right for you if you're able to qualify and don't need special coverage. These policies are the easiest to get for young applicants with no significant health issues. Older applicants can buy with some companies, but acceptance is not guaranteed. No medical exam policies offer less coverage with higher premiums in most cases. If you do not qualify for the no medical exam policy you want, insurance agents can help you explore alternatives. 

No medical exam means life insurance companies will not check your blood pressure, cholesterol, etc. However, companies have access to prescription history and other personal records, and underwriters base decisions partly on this history.

You'll have to decide whether you prefer a whole or term policy based on your situation if you're getting no medical life insurance. A term policy has an expiration date, and extensions or conversions to a whole life policy are not guaranteed. If anything, your rate may be higher if you try to convert your policy. The insurer looks at you just as it would any other applicant of your age, health, etc. A whole life policy locks in premiums and payouts.

There are alternatives to a new medical exam life insurance policy. Insurance agents can quote you medical exam policies if you're denied a no medical exam option. An experienced agent may be able to assess your application before starting the process to avoid official denials. If you're concerned about premium limits, you can explore options like IUL (indexed universal life) for permanent life insurance that increases your benefit as long as you make premium payments.

A no medical exam life insurance policy may hold a certain appeal for older applicants and those in failing health. However, the life insurance market is the opposite of what you might expect. These policies are best for young people (typically under 50 years old) in good health. The no medical exam process is often more efficient, streamlining your approval, and life insurance companies can only do this with low-risk applicants.

If a provider sees red flags that might disqualify you, it won't necessarily prevent you from getting coverage. Instead, the agent would most likely offer to run more conventional life insurance quotes for you.

Guaranteed issue life insurance policies do not require a medical exam. This type of life insurance is typically limited to people ages 50 or older, and the tradeoff is that policies are usually more expensive than ones that do require a medical exam. That said, if your health conditions would otherwise prevent you from getting a life insurance policy, guaranteed issue insurance is a useful option, and it's offered by a variety of insurers including AIG, AAA, New York Life, and Gerber Life.

Yes, you can really get life insurance without a medical exam, but your options will be different. That's because you'll need to choose a guaranteed issue policy — a specific type of insurance that lets you bypass the medical exam requirement — and it will probably cost more than a regular policy including a medical exam.

The highest amount of life insurance you can get without a medical exam is lower than what you could get with a medical exam. Guaranteed issue policies that don't require medical exams typically top out at $25,000 or $50,000 in coverage, while standard life insurance policies can offer millions in coverage.

How to Pick the Best No Medical exam Life Insurance Policy for You

Particularly when choosing life insurance, customization is critical. Buyers don't need to add every rider, but a little research goes a long way in selecting the right company. Some applicants will not qualify for a no medical exam life insurance policy. A life insurance agent can help you run quotes that make sense for you. Then agents can offer realistic insurance policy options and review the costs and benefits of each.

Asking friends and family which insurance agent they use could be your first step to finding the right life policy. Factors like age, medical history, and financial goals play key roles in your decision. So we do not recommend asking loved ones about individual policies. Instead, let a qualified insurance professional find the best policies for you.

Why You Should Trust Us: How We Chose the Best No exam Life Insurance

The coverage and riders offered are vital parts of our evaluation. We also look at the speed of payouts, customer satisfaction, and financial strength ratings. All of these factor into the immediate and long-term performance of the life insurance companies we review.

If you're looking for more information about a specific life insurer, our individual reviews offer a deep dive into individual policies, riders, and more. The same considerations are used for all competitors to ensure readers have the edge to make informed decisions in an ever-changing market.

See our insurance rating methodology for more details.

Tue, 02 Jan 2024 09:59:00 -0600 en-US text/html https://www.businessinsider.com/personal-finance/best-no-medical-exam-life-insurance
Best no-exam life insurance companies January 2024

Editorial Note: Blueprint may earn a commission from affiliate partner links featured here on our site. This commission does not influence our editors' opinions or evaluations. Please view our full advertiser disclosure policy.

Banner Life and Lincoln Financial are the best no-exam life insurance companies, according to our analysis. 

We evaluated insurers to determine the best no-exam life insurance companies based on cost and coverage options. Use our analysis as a jumping-off point to compare top insurers and find the best policy for your situation.

The best no-exam life insurance companies of 2024

Why trust our life insurance experts

Our team of experts evaluates hundreds of insurance products and analyzes thousands of data points to help you find the best product for your situation. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content. You can read more about our methodology below.

  • 28 insurers evaluated
  • 162 rates reviewed
  • 5 levels of fact checking

Top-rated no-exam life insurance companies

Compare the best no-exam life insurance of 2023

To determine the best no-exam life insurance policies, our life insurance experts evaluated several of the top life insurance companies that offer coverage in the United States.

Each life insurance company included in our evaluation had the opportunity to earn up to 100 points, based on the following factors.

Policy cost: 75 points. Since term life insurance is often the most affordable coverage option, we evaluated rates for both 30- and 40-year-old males and females in excellent health, for term lengths of 10, 20 and 30 years and coverage amounts of $500,000 and $1 million and $2 million.

Accelerated death benefit age: 5 points. An accelerated death benefit option lets you access your death benefit early if you’re diagnosed with a terminal illness. Companies that offer this benefit with a no-exam life insurance policy earned the full points allotted.

Maximum face amount for lowest eligible age: 10 points. Companies that offer higher coverage amounts for the lowest eligible age earned more points. Keep in mind that a company’s maximum coverage amount for a no-exam life insurance policy may decrease based on an applicant’s age, with older applicants eligible only for lower face-value policies.

Term life conversion availability: 5 points. Some companies allow policyholders to convert their term coverage to a permanent life insurance policy. We factored this in to help those considering term life insurance policies identify companies that provide this option.

Age eligible for best term length/coverage amount: 5 points. Some companies limit no-exam life insurance eligibility to younger applicants. Companies offering this type of coverage to individuals over 50 earned the full points.

Why some companies didn’t make the cut

Of the life insurance companies we evaluated, only those offering policies offering competitively priced no-exam life insurance policies for high coverage amounts made the cut.

What is no-exam life insurance?

No-exam life insurance does not require applicants to go through a medical exam for approval. This is in contrast to a more traditional life insurance underwriting process that requires you to complete a health questionnaire as well as a medical exam. 

For a life insurance medical exam, insurers often request a paramedical professional collect information, such as your blood pressure, as well as blood work and a urine specimen. Because no-exam life insurance skips this step, this type of coverage may be ideal if you’re looking for a faster application process. Some insurers even offer same-day or instant approval to eligible applicants. 

Though no-exam life insurance policies were once less common, today more and more insurers are extending this type of coverage to eligible applicants. Eligibility criteria can vary by insurer, but usually, you must be relatively young (under 50) and in good health. 

It’s important to note that even if a company advertises no-exam life insurance policies, not every applicant is eligible. After completing the application, you may find that the insurer wants to follow up to obtain additional information via an exam or additional health questions. This is particularly true if you’re over 50 or considered a high-risk candidate. 

Different types of no-exam life insurance

There are three primary ways an insurer may choose to offer life insurance with no medical exam. Each varies by the underwriting process, which is the way insurers assess your risks and determine how much you will pay for insurance. 

Accelerated underwriting life insurance

When you apply for a policy that uses accelerated underwriting, the insurer takes information from your application to collect personal data that is used to determine your level of risk. 

Though the exact variables that an insurer considers may vary, the National Association of Insurance Commissioners (NAIC) identifies multiple third-party sources from which an insurer may collect data: 

  • Digital health records. 
  • Prescription drug history. 
  • Credit reports.
  • Motor vehicle records. 
  • Medical Information Bureau (MIB) data. 
  • Public records.

After gathering your information, the underwriter will use AI technology, predictive models and algorithms to determine if you are eligible for no-exam life insurance and, if so, your premium, or how much you will pay. 

The information and tools used in the accelerated underwriting process allow insurers to create a more comprehensive risk analysis that is similar to that achieved through traditional underwriting practices. As such, rates for eligible applicants may be similar to those determined during a traditional underwriting process. They also are likely to be lower than those obtained through simplified issue or guaranteed issue life insurance

Simplified issue life insurance

Simplified issue life insurance does not require a medical exam, but applicants are usually required to submit answers to a health questionnaire. Traditionally, simplified issue coverage relied on limited third-party information, but as access to information increased, industry practices have evolved. Today, a simplified issue underwriting process will likely pull in information from the MIB, motor vehicle records, prescription drug history and in some cases credit reports. 

Still, simplified issue underwriting is not as in-depth as accelerated underwriting and therefore does not always capture an applicant’s risk. As such, applicants often face a trade-off: quicker application periods in exchange for higher rates and lower coverage limits.  

Guaranteed issue insurance

There are no medical exams or health questionnaires required for guaranteed issue life insurance, and if you apply, you are “guaranteed” to be approved. Because you can’t be denied, this type of coverage may be the best option if your health or age prevents you from being approved for other types of coverage. 

However, because you are guaranteed for approval, and the insurer does not have the information required to make a proper risk assessment, policies are much more expensive than other types of life insurance and offer lower maximum coverage amounts. 

Guaranteed issue life insurance policies also typically have graded death benefits. A graded death benefit means that if you pass away within the first two to three years of opening your policy, your beneficiary will not receive the plan’s death benefit. Instead, they will be refunded the premiums you’ve paid on the policy in addition to interest — typically between 10% and 30%. There is one exception: If you die due to an accident, such as a vehicle accident, your beneficiary will receive the death benefit in full.  

Though guaranteed life insurance is considered a type of “no-exam” life insurance, we did not include this type of product in our scoring of the best no-exam life insurance. 

How much does no-exam life insurance cost?

How much you pay for no-exam life insurance will depend on various factors, including your age, gender, health, the type of underwriting process — accelerated, simplified or guaranteed — and the information collected as part of the underwriting process. 

Example annual cost: No-exam coverage for a man, age 30 (20-year term)

Example annual cost: No-exam coverage for a woman, age 30 (20-year term)

Example annual cost: No-exam coverage for a man, age 40 (20-year term)

No-exam life insurance coverage for a woman, age 40 (20-year term)

No-exam life insurance coverage for a man, age 50 (20-year term)

No-exam life insurance coverage for a woman, age 50 (20-year term)

Pros and cons of no-exam life insurance policies

Not sure if a no-exam life insurance policy is best for you? Here are some pros and cons associated with this increasingly popular life insurance product. 

Pros

  • No exam. Maybe you don’t have time or maybe you’re not a big fan of needles. No-exam life insurance lets you skip bloodwork and other lab requirements commonly associated with traditional underwriting. 
  • Faster approval. If you’re eligible for no-exam life insurance, you could secure it quickly, with some insurers in our analysis offering instant or same-day approval.  
  • Potentially similar rates. Depending on your age, health, desired coverage amount and the insurer you choose, you may find that no-exam life insurance policies that use accelerated underwriting are priced similarly to those that rely on traditional underwriting. 

Cons

  • Health conditions affect eligibility. No-exam life insurance is best suited for healthy, young applicants. If you’re not in one of those two categories, you may find that you’re ineligible for coverage or that you’re subject to a higher rate.
  • Coverage may be limited. Though some companies offer higher coverage amounts for no-exam life insurance policies, that’s not always the case — especially if you’re applying for a guaranteed issue or simplified issue policy. If you’re looking for a high coverage amount, a no-exam life insurance policy may not be the best option. 
  • Age limits apply. Most life insurance companies have caps on the age at which they will issue a policy, but that age is much lower for no-exam life insurance policies. Generally, no-exam coverage is best suited for people age 50 or younger. Don’t assume that no-exam life insurance is out of the question if you’re over 50, though. There are some companies, like SBLI, that offer this type of life insurance to older individuals. 

How to shop for no medical exam life insurance

Here are a few easy steps you can take to find the best no-exam life insurance company and policy to meet your individual needs. 

Determine how much coverage you need. Start with the reason you want to buy life insurance. Are you looking to replace your income for a specific period of time to support your loved ones financially when you die? Do you need to ensure your family can continue to cover specific bills, such as mortgage payments or college tuition?

Add up any expenses you hope to cover to determine how much coverage you may need. This step is important for any type of life insurance purchase, but because some no-exam life insurance policies have lower maximum coverage amounts — especially if you’re older — this step can help you narrow your search down to insurers that offer plans that meet your coverage needs.

Understand your health. Since almost all no-exam life insurance policies require the applicant to be in good health, it’s best to figure out your chances of being approved. For instance, if you have a health condition that may make it harder to get coverage, such as a heart attack, or you’re a tobacco user, you may be denied or pay a lot more for certain types of no-exam life insurance, particularly accelerated underwriting or simplified issue products.  

Recognizing any impediments to approval can help you examine your options and prepare for the potential health exam requirements.

Be honest. If you’re nervous about your eligibility for a no-exam life insurance policy, you may be tempted to leave out important information, like a recent health diagnosis or tobacco usage, but doing so can create big problems for you and your beneficiaries. 

If your insurer determines you lied during the application process, they can deny you coverage or cancel your policy. Further, if your untruths are uncovered after you die, and you’ve passed during what’s known as the contestability period, the insurer can deny the claim, leaving your beneficiary without a death benefit.

Get multiple insurance quotes. Whether you’re purchasing life insurance, car insurance or homeowners insurance, one of the best things you can do is get multiple quotes to compare. Doing so can ensure you’re getting the best rate for the type and amount of coverage you want. 

Evaluate policy features. While cost is an important factor, it’s a smart idea to look beyond that to consider what you need or what benefits and features, such as an accelerated death benefit, may be available to you for a similar cost.

Have a backup plan. No-exam life insurance may be your first choice, but not everyone is eligible for coverage. Depending on your age, health and other factors, you may find that you’re denied or that the insurer requires additional information or steps, such as a health exam, before it will issue coverage. 

Don’t supply up as there are other options, such as purchasing a policy that uses a more traditional underwriting process or looking for a guaranteed issue policy, which will provide coverage regardless of your health.

No med exam life insurance FAQs

No-exam life insurance policies are available for both term and whole life insurance, but all the policies scored in our no-exam life insurance analysis are for term life insurance

Term life policies typically offer more coverage at a lower price. No-exam whole life insurance policies, in contrast, may only offer low coverage amounts and generally have higher rates in relation to the amount of coverage received. 

If you have whole life insurance, you may be able to borrow money from your life insurance policy if it has a cash value. 

However, if you have a no-exam term life insurance policy, it will not have a cash value, so you won’t be able to borrow against the policy. 

Some no-exam term life insurance policies offer as much as $1M or $2M in coverage, while a no-exam whole life insurance policy will have much lower coverage maximums, such as $25,000. 

The amount of life insurance coverage you can get with no-exam life insurance will vary based on factors like the insurer and policy you choose and your age. 

More: How much does a $1 million life insurance policy cost? 

A no-exam term life insurance policy will lock in your rate for the duration of a specific term, such as 30 years. When the term ends, you can usually renew your policy annually, but you’ll pay a higher premium each year.

If you purchase a no-exam whole life insurance policy, your policy will usually last your lifetime, as long as you continue to make your premium payments.

Mon, 01 Jan 2024 14:10:00 -0600 en-US text/html https://www.usatoday.com/money/blueprint/life-insurance/life-insurance-no-medical-exam/




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