NOTE: Life insurance premiums quoted are based on the information you provided online. Policy approval and actual rates will be based upon the entire underwriting process, including but not limited to, additional information provided on the application, exam results, medical history, other risk factors and specific underwriting requirements that may vary by insurance company. No exam required for RBC Insurance Company simplified issue products. A medical exam is not necessary to issue this product. Issuance is based soley on the medical questions on the application.