5 Best No Medical test Life Insurance Policies for August 2023

In the market for life insurance but want to skip the medical test for one reason or another?

Here are the best no-exam life insurance policies from highly rated U.S. companies. Some of these policies certain acceptance regardless of your health, while others require you to answer a few health questions to qualify for coverage.

Best no medical test life insurance for August 2023

Our top picks for this category earned a NerdWallet rating of at least 4.5 out of 5 stars.

5.0

NerdWallet's ratings are determined by their editorial team. The scoring formula incorporates consumer experience, financial strength ratings and complaint data.

No test but you may have to answer medical questions.

5.0

NerdWallet's ratings are determined by their editorial team. The scoring formula incorporates consumer experience, financial strength ratings and complaint data.

No test but you may have to answer medical questions.

4.5

NerdWallet's ratings are determined by their editorial team. The scoring formula incorporates consumer experience, financial strength ratings and complaint data.

No test or medical questions (whole life). No test but you may have to answer medical questions. (term life).

4.5

NerdWallet's ratings are determined by their editorial team. The scoring formula incorporates consumer experience, financial strength ratings and complaint data.

No test but you may have to answer medical questions.

4.5

NerdWallet's ratings are determined by their editorial team. The scoring formula incorporates consumer experience, financial strength ratings and complaint data.

No test but you may have to answer medical questions.

NerdWallet rates insurers at the company level, not the policy level. This means their star rating reflects the company as a whole, and not its no-exam insurance life policy specifically.

How they ranked the top life insurers

NerdWallet’s life insurance ratings are based on consumer experience, complaint index scores from the National Association of Insurance Commissioners for individual life insurance, and weighted averages of financial strength ratings, which indicate a company’s ability to pay future claims. Within the consumer experience category, they consider ease of communication and website transparency, which looks at the depth of policy details available online. To calculate each insurer’s rating, they adjusted the scores to a curved 5-point scale.

These ratings are a guide, but they encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read their editorial guidelines.

How they review life insurance companies

In their life insurance reviews, their editorial team considers the customer and the insurer. These are some of the factors they take into account:

Financial strength. They use AM Best ratings to confirm an insurer’s long-term financial stability and ability to pay claims. For life insurance, NerdWallet typically recommends considering insurers with ratings of A- or higher. Here’s the breakdown:

Complaints. These ratings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. The best life insurance companies have fewer than the expected number of complaints.

Buy online. This indicates whether an insurer allows you to apply for and buy a policy completely online.

Best no-exam life insurance policies in 2023

Learn more about each company in their top list by reading the brief summaries below and checking out the NerdWallet review links.

Best online experience

Haven Life

5.0

NerdWallet's ratings are determined by their editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.

Bottom line: The company’s website is informative and user-friendly, making it easy to buy coverage online.

overview

pros & cons

why they picked it

Financial strength rating These ratings indicate an insurer’s ability to pay future claims.

Exceptional

Online purchase This indicates whether the company offers a way to apply for and purchase policies entirely online.

Yes

NAIC complaints Ratings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.

Far fewer than expected

Policies offered Term policies last a set number of years, while permanent policies typically last a lifetime. No-exam policies don’t require a medical exam.

Term & no-exam

Known for its user-friendly website and quick application process, Haven Life offers no-exam term policies up to $1 million. Like many no-medical test policies, you may still need to answer questions about your health and lifestyle.

Best online experience

Haven Life

5.0

NerdWallet's ratings are determined by their editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.

Bottom line: The company’s website is informative and user-friendly, making it easy to buy coverage online.

overview

pros & cons

why they picked it

Financial strength rating These ratings indicate an insurer’s ability to pay future claims.

Exceptional

Online purchase This indicates whether the company offers a way to apply for and purchase policies entirely online.

Yes

NAIC complaints Ratings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.

Far fewer than expected

Policies offered Term policies last a set number of years, while permanent policies typically last a lifetime. No-exam policies don’t require a medical exam.

Term & no-exam

Known for its user-friendly website and quick application process, Haven Life offers no-exam term policies up to $1 million. Like many no-medical test policies, you may still need to answer questions about your health and lifestyle.

Haven Life no-exam policy details

Policy name: Haven Simple.

Coverage: $25,000 to $1 million.

Application: No exam, but you may have to answer questions about your health.

Best for temporary coverage

USAA

5.0

NerdWallet's ratings are determined by their editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.

Bottom line: If you need quick, temporary coverage, USAA’s Essential Term Life policy renews annually and offers $100,000 of coverage without an exam.

overview

pros & cons

why they picked it

Financial strength rating These ratings indicate an insurer’s ability to pay future claims.

Exceptional

Online purchase This indicates whether the company offers a way to apply for and purchase policies entirely online.

No

NAIC complaints Ratings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.

Fewer than expected

Policies offered Term policies last a set number of years, while permanent policies typically last a lifetime. No-exam policies don’t require a medical exam.

Term, permanent & no-exam

If you need a life insurance policy quickly, but for only a short period of time, you may want to consider USAA’s Essential Term Life Insurance policy. This no-medical test policy renews each year up to age 39, giving you increased flexibility.

Best for temporary coverage

USAA

5.0

NerdWallet's ratings are determined by their editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.

Bottom line: If you need quick, temporary coverage, USAA’s Essential Term Life policy renews annually and offers $100,000 of coverage without an exam.

overview

pros & cons

why they picked it

Financial strength rating These ratings indicate an insurer’s ability to pay future claims.

Exceptional

Online purchase This indicates whether the company offers a way to apply for and purchase policies entirely online.

No

NAIC complaints Ratings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.

Fewer than expected

Policies offered Term policies last a set number of years, while permanent policies typically last a lifetime. No-exam policies don’t require a medical exam.

Term, permanent & no-exam

If you need a life insurance policy quickly, but for only a short period of time, you may want to consider USAA’s Essential Term Life Insurance policy. This no-medical test policy renews each year up to age 39, giving you increased flexibility.

USAA no-exam policy details

Policy name: Essential Term Life Insurance (not available in Arizona or New York).

Coverage: $100,000 (renews each year to age 39).

Application: No exam, but you may have to answer questions about your health.

Best for senior members

AARP

4.5

NerdWallet's ratings are determined by their editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.

Bottom line: Great option for senior AARP members. Older applicants can get coverage without answering any medical questions or taking an exam.

overview

pros & cons

why they picked it

Financial strength rating These ratings indicate an insurer’s ability to pay future claims.

Exceptional

Online purchase This indicates whether the company offers a way to apply for and purchase policies entirely online.

No

NAIC complaints Ratings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.

Fewer than expected

Policies offered Term policies last a set number of years, while permanent policies typically last a lifetime. No-exam policies don’t require a medical exam.

Term, permanent & no-exam

For senior applicants, AARP stands out for offering whole insurance with guaranteed coverage, which means you won’t have to take a medical test or answer health questions. AARP also offers simplified issue term life insurance, if you’re willing to answer health questions.

Best for senior members

AARP

4.5

NerdWallet's ratings are determined by their editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.

Bottom line: Great option for senior AARP members. Older applicants can get coverage without answering any medical questions or taking an exam.

overview

pros & cons

why they picked it

Financial strength rating These ratings indicate an insurer’s ability to pay future claims.

Exceptional

Online purchase This indicates whether the company offers a way to apply for and purchase policies entirely online.

No

NAIC complaints Ratings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.

Fewer than expected

Policies offered Term policies last a set number of years, while permanent policies typically last a lifetime. No-exam policies don’t require a medical exam.

Term, permanent & no-exam

For senior applicants, AARP stands out for offering whole insurance with guaranteed coverage, which means you won’t have to take a medical test or answer health questions. AARP also offers simplified issue term life insurance, if you’re willing to answer health questions.

AARP no-exam policy details

Policy name: Level Benefit Term Life Insurance.

Issue age: 50 to 74 for AARP members (45 to 74 for partners and spouses).

Coverage: $10,000 to $150,000 (up to $100,000 for New York residents).

Application: No exam, but you may have to answer questions about your health.

Policy name: Guaranteed Acceptance Life Insurance.

Issue age: 50 to 80 for AARP members and 45 to 80 for partners and spouses (50 to 75 for members and spouses in New York).

Application: No health questions or exam.

Best for customization

Country Financial

4.5

NerdWallet's ratings are determined by their editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.

Bottom line: A range of life insurance riders can be added to both term and whole life policies so you can customize your coverage.

overview

pros & cons

why they picked it

Financial strength rating These ratings indicate an insurer’s ability to pay future claims.

Exceptional

Online purchase This indicates whether the company offers a way to apply for and purchase policies entirely online.

No

NAIC complaints Ratings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.

Fewer than expected

Policies offered Term policies last a set number of years, while permanent policies typically last a lifetime. No-exam policies don’t require a medical exam.

Term & permanent

If you want a no-medical test policy you can customize to your liking, Country Financial might be right for you. The company sells no-medical test term and whole life with several riders you can add-on, including accelerated death benefits and child term insurance.

Best for customization

Country Financial

4.5

NerdWallet's ratings are determined by their editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.

Bottom line: A range of life insurance riders can be added to both term and whole life policies so you can customize your coverage.

overview

pros & cons

why they picked it

Financial strength rating These ratings indicate an insurer’s ability to pay future claims.

Exceptional

Online purchase This indicates whether the company offers a way to apply for and purchase policies entirely online.

No

NAIC complaints Ratings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.

Fewer than expected

Policies offered Term policies last a set number of years, while permanent policies typically last a lifetime. No-exam policies don’t require a medical exam.

Term & permanent

If you want a no-medical test policy you can customize to your liking, Country Financial might be right for you. The company sells no-medical test term and whole life with several riders you can add-on, including accelerated death benefits and child term insurance.

Country Financial no-exam policy details

Policy type: Simplified term or whole life insurance.

Issue age: 50 or younger.

Coverage: Up to $100,000.

Application: No exam, but you may have to answer questions about your health.

Best for accessibility

Nationwide

4.5

NerdWallet's ratings are determined by their editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.

Bottom line: The issue age range for this policy is 80 and younger — a relatively broad age range for this type of coverage.

overview

pros & cons

why they picked it

Financial strength rating These ratings indicate an insurer’s ability to pay future claims.

Exceptional

Online purchase This indicates whether the company offers a way to apply for and purchase policies entirely online.

No

NAIC complaints Ratings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.

Fewer than expected

Policies offered Term policies last a set number of years, while permanent policies typically last a lifetime. No-exam policies don’t require a medical exam.

Term & permanent

Unlike most other no-exam life insurance, Nationwide’s Simplified Whole LIfe policy offers coverage for customers younger than 20 years old. The company issues policies to applicants 80 years old or younger.

Best for accessibility

Nationwide

4.5

NerdWallet's ratings are determined by their editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.

Bottom line: The issue age range for this policy is 80 and younger — a relatively broad age range for this type of coverage.

overview

pros & cons

why they picked it

Financial strength rating These ratings indicate an insurer’s ability to pay future claims.

Exceptional

Online purchase This indicates whether the company offers a way to apply for and purchase policies entirely online.

No

NAIC complaints Ratings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.

Fewer than expected

Policies offered Term policies last a set number of years, while permanent policies typically last a lifetime. No-exam policies don’t require a medical exam.

Term & permanent

Unlike most other no-exam life insurance, Nationwide’s Simplified Whole LIfe policy offers coverage for customers younger than 20 years old. The company issues policies to applicants 80 years old or younger.

Nationwide no-exam policy details

Policy name: Nationwide Simplified Whole Life.

Issue age: 80 or younger (75 and younger in Minnesota, Mississippi, North Carolina, and Pennsylvania).

Coverage: $10,000 to $50,000 ($25,000 to $50,000 in Washington).

Application: No exam, but you may have to answer questions about your health.

Find the right life insurance plan for you

Make sure you and your loved ones are covered - compare customized life insurance quotes from their partners.

What is no-exam life insurance?

With traditional life insurance policies, applicants typically have to fill out a questionnaire about their health and lifestyle and take a medical exam. It's similar to an annual physical. A medical professional measures your height, weight, blood pressure and cholesterol and usually takes a blood, urine and saliva sample.

No-medical test policies remove the test from the application process. Depending on the type of policy you apply for, you might still need to answer questions about your health and lifestyle — but some policies skip that part, too.

These policies tend to appeal to those with serious health conditions or healthy people who want to speed up the life insurance application process.

Alternatives to no medical test life insurance

In general, policies that don’t require an test can be more pricey than ones that do. So if you’re young and healthy, you may want to consider a policy with full medical underwriting. If you’re looking for a quick application process, you may want to consider instant life insurance, which uses big data and complex algorithms to calculate risk and reserves the right to ask for an exam.

More about buying life insurance as a senior

More about top-rated life insurance companies

Looking for a different type of life insurance policy? Check out NerdWallet’s top picks across these categories:

More about buying life insurance with a health condition

Insurer complaints methodology

NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2019-2021. To assess how insurers compare with one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.

Chartered Market Technician (CMT): Definition and About the Exams

A chartered market technician (CMT®) is a professional technical analyst that holds the CMT designation organized by the CMT Association (formerly the MTA), a global credentialing body with nearly 50 years of service to the financial industry. The CMT marks the highest level of training within the discipline and is the preeminent designation for practitioners worldwide.

Technical analysis provides the tools to successfully navigate the gap between intrinsic value and market price across all asset classes through a disciplined, systematic approach to market behavior and the law of supply and demand. Earning the CMT designation demonstrates that you have mastery of a core body of knowledge of investment risk in portfolio management, including quantitative approaches to market research and rules-based trading system design and testing.

To be granted a Chartered Market Technician (CMT®) designation, a candidate must pass three examination levels, complete the membership application process, and agree to the CMT Association’s code of ethics.

To register for the CMT Program, individuals must pay the one-time $250 enrollment fee associated with the test cycle. After enrolling in the program, candidates can then register for their first exam. All three levels of the CMT program exams are given on a computer at testing facilities or proctored remotely. Since 2019, CMT discontinued membership requirements for CMT candidates. However, member pricing for the exams differs from nonmember pricing.

Among industry practitioners, the CMT designation is widely considered the gold standard in technical analysis globally.

The purpose of the CMT Program is to promote the development of a candidate's professional knowledge with respect to the study and application of technical analysis. The CMT Program is self-study. The curriculum is available through Wiley: Efficient Learning.

The CMT Level I test measures basic, entry-level competence and understanding of technical analysis. The Level I candidate needs to have a working knowledge of the basic tools of a technical analyst. Once the first level is successfully completed there is no time limit to pass the subsequent levels. The CMT website states that the Level 1 test measures basic, entry-level competence and understanding; the candidate needs to have a working knowledge of the basic tools of the technical analyst:

Registration costs for the CMT Level I are as follows: for early registration, the cost is $295 for members and $470 for non-members; for standard registration, the cost is $395 for members and $570 for non-members, and for late registration, the cost is $595 for members and $770 for non-members.

The CMT Level II test requires the candidate to demonstrate a greater depth of analysis and use of technical tools. The Level II candidate is expected to demonstrate proficiency in applying more advanced analytical techniques and technical analysis theory. The MTA website states that the Level 2 test requires the candidate to demonstrate a greater depth of analysis and use of technical tools. Candidates are expected to demonstrate proficiency in more advanced analytical techniques and technical analysis theory.

The CMT Level III test tests the candidate on developing logical and consistent research opinions, portfolio strategies, and trading decisions based on a wide range of charts and technical data. The Level III candidate is asked to analyze case studies, make recommendations, and justify those recommendations based on the data provided.

All candidates must pass the ethics portion of this exam. Upon successfully completing Level III, candidates can start the membership process to obtain the Chartered Market Technician® Designation. The Level III test requires the candidate to make a list, state and justify their analysis, or supply a similar written response. The primary focus of the test is the practical and ethical application and integration of technical analysis.

In addition to the above-listed requirements (passing three examination levels), completing the membership application process, and agreeing to the CMT Association’s code of ethics, candidates must secure at least three CMT Member references who can speak to the candidate's knowledge, skill, and ability in the field of technical analysis.

The CMT Association discontinued its membership requirement for CMT test candidates. You may still choose to become an affiliate member before enrolling in the CMT Program, but it is no longer required. However, member pricing for the exams differs from non-member pricing.

In addition, CMT candidates must complete at least three years of professional work experience practicing technical analysis in their position.

To become a chartered market technician (CMT), you need to take and pass all three levels of the CMT exam, become a CMT member, and then work in a related field—typically one with a technical aspect in investment management—for at least three years.

The median annual pay for a financial analyst is $83,660, according to the Bureau of Labor Statistics (BLS). A CMT is a specialized type of financial analyst with a median salary that is higher; approximately above $200,000, depending on the region and job.

For the CMT Level I exam, the CMT Association recommends 100 hours of study time. For Level II and Level III, 140 hours and 160 hours are recommended, respectively. Third-party test providers approved by the CMT Association are available to help prepare for the test but the official CMT curriculum is recommended first.

What To Expect During Your First Women’s Wellness Exam

During a well woman exam, your doctor will review all of your current medical issues and determine if there is anything missing from care, says Dr. Marchand. It is important to note that medicine is constantly changing, so treatment that is recommended can vary a lot in just one year, he adds. The doctor should examine you from head to toe, check your vital signs, and assess if you are due for any vaccines. The visit generally includes the following:

Upon arrival, you will undergo a routine physical test that includes taking your weight, pulse and blood pressure. A urine sample may be requested to test for sexually transmitted diseases (STDs) and rule out urinary tract infections, says Dr. Alagia. “You will be asked to change into a gown after being left alone in the examination room. Once your health care professional enters the room, they should take a few moments to review the test they are planning to perform and explain the reason for the specific exam,” he says.

You’ll have time before, after and during the test to ask and answer any questions you and your health care provider might have. It’s useful to prepare a list of questions in advance.

The questions that your doctor asks will be tailored to your age and medical history, says Dr. Swarup. For example, they may ask if you smoke, use drugs or alcohol, have any allergies or infections and whether you’ve had any surgeries, he says––all of these factors can affect your reproductive health.

Your doctor may ask the following questions, according to Dr. Swarup:

It’s important to be completely honest in your answers because the questions are to benefit your health, says Dr. Marchand. “Remember that a doctor can never share any personal information about your visit (doing so could easily lead to medical board discipline or loss of licensure),” he says. Doctors can share your information with other members of their health team if it is necessary to provide your care or coordinate your care. Doctors can also share your information with your permission. Doctors can also share your information with law enforcement to prevent or lessen a serious and imminent threat to the health or safety of an individual or the public. Dr. Alagia adds that having an honest dialogue with your health care professional helps them recommend guideline-based care such as STD screening, cancer screenings and other services.

You should also expect questions about your diet, life stressors and exercise habits, says Dr. Marchand. “Since screening for depression and anxiety is very important for all patients, you should be ready for questions about how you’re feeling,” he says.

Starting at the age of 20, a breast test may be conducted every one to three years to identify any irregularities or lumps, says Dr. Swarup, but recommendations vary. For example, the ACOG advises that clinical breast examinations may be offered every one to three years in women ages 25 to 39, and once a year in women over the age of 40.

The American Cancer Society does not recommend clinical breast exams nor self breast exams at all due to lack of evidence that it contributes very little to early breast cancer detection when mammography is available. Currently, mammograms (x-ray images of the breast) are recommended annually in women over the age of 45 and once every two years in women over the age of 55.

The ACOG that women between the ages of 25 and 39 be offered a clinical breast test every one to three years, and that women over the age of 40 be offered them annually. In either case, the ACOG recommends women make the decision that’s best for them.

If your practitioner conducts a clinical breast exam, you will be asked to lift one arm behind your head, explains Dr. Alagia. This allows your doctor to better examine each breast, applying gentle pressure in circular movements. “They will look for abnormal lumps or cysts. If any lumps are discovered, a biopsy will be ordered to determine if they are cancerous or not,” says Dr. Alagia.

A pelvic, or internal exam, is performed to check the vulva, vagina, cervix, fallopian tubes, ovaries and rectum for abnormalities. Adolescents don’t need a pelvic test unless they are experiencing abnormal bleeding, discharge, or pelvic pain. It’s unlikely that you’ll have a pelvic test before the age of 21 unless such symptoms are present. Although the test may be uncomfortable, it should not be painful. Keeping your body relaxed will help minimize discomfort.

During a pelvic exam, your doctor will also examine your vulva and rectum for irritation, redness or other signs of anything concerning, says Dr. Swarup. A lubricated speculum is placed into the vagina to look inside it, allowing the cervix to be evaluated for signs of disease. After removing the speculum, your doctor will gently insert one or two fingers (using a lubricated glove) into your vaginal canal while placing gentle pressure on the lower abdomen, explains Dr. Alagia. This allows them to check for abnormalities in the size, shape, and position of the uterus and ovaries.

You can expect to feel pressure, says Dr. Alagia, adding that it’s important to communicate any feelings of pain, heaviness, bloating or tenderness––this helps your doctor understand potential causes for concern.

Depending on your age, you may undergo cervical cancer screening via a Pap smear and/or human papillomavirus (HPV) test during your pelvic exam. A Pap smear looks for cellular changes in the cervix that may turn into cervical cancer, and an HPV test checks for the presence of the human papillomavirus, the virus responsible for causing these changes.

Current U.S. Preventive Services Task Force guidelines advise that women between the ages of 21 and 29 be screened every three years with a Pap smear alone; women ages 30 to 65 may be screened every three years with a Pap test only, every five years with HPV testing only or every five years with both.

For both HPV and Pap tests, your health care practitioner will insert a lubricated speculum into your vaginal canal to view your vagina and cervix, explains Dr. Alagia. “They will swipe your cervix with a swab and send it to a lab to ensure there are no signs of cervical cancer and ensure your cervix is healthy,” he says.

Even if you think you are not at risk, you should discuss STD screening with your doctor, says Dr. Alagia. Currently, the Centers for Disease Control and Prevention (CDC) recommends the following testing schedule for STDS:

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