What type of policy automatically renews without a medical examination?

The type of policy that automatically renews without requiring a medical examination is a non-cancellable policy. This kind of policy guarantees the renewal without the need for a new health assessment or proof of insurability, allowing the policyholder to maintain coverage regardless of any changes in health status. This feature is particularly beneficial for individuals who may experience health issues after purchasing the policy, as they can continue their coverage without facing potentially higher premiums or denial of renewal due to their health condition.

In contrast, term life insurance typically has a fixed duration and may require a renewal process involving a medical examination, especially if the policyholder wishes to extend coverage beyond the initial term. Group disability insurance policies are often tied to employment and may have specific terms surrounding renewal, which can vary from one employer's group plan to another. Accidental death insurance typically provides coverage for specific types of events and does not generally include automatic renewal features in the same way that non-cancellable policies do.