Quote: 32 year old male from California Edit

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Term life inusrance (No Medical Exam)

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No Exam
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Simplified Issue (No Medical Exam)
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Cheryl Schlenkert
Licensed in California
I take great pride in working with my clients. I help find exactly those products that work best for them.
Aaron Udell
Licensed in California
Aaron is now recognized within the insurance industry as one of the foremost experts in no medical exam life insurance and has played an integral role in the development of these products for insurance companies in this market. 
Nikki Walker
Licensed in California
Nikki is a 20+ year veteran of the insurance industry with a history of sales, management, and underwriting.
Jennifer Plisch
Licensed in California
With more than 25 years in sales, she is committed to providing the very best customer service.
Daniel Price
Licensed in California

We've helped thousands. Will you be next?

Rated Excellent based on 1451 reviews
Aug 8th, 2020

Nadia Rutledge
It was easy and now I’m stress free because of it!
Great Western Insurance Company
Aug 6th, 2020

Jaclyn Apolinario
Jen goes above and beyond. Always available when needed.
Sagicor Life Insurance Company
Aug 6th, 2020

Richard Robinson
Jen was great very thorough in explaining things she made me feel comfortable in my purchase good polite wonderful character I enjoyed the whole experience!
Independent Order of Foresters
Aug 4th, 2020

Gabriela Martinez
East application process!
America's Consumers and Affiliates
Aug 4th, 2020

Michael Davenport
Cheryl went above and beyond to make sure i got insured all it took was 1 call and the process was very quick i am very satisfied and she really helped me get great coverage at a reasonable price...
America's Consumers and Affiliates
Aug 4th, 2020

Christopher Tull
He helped with 2 policies and answered all my questions and even taught me some things I didn’t know. Would recommend to my friends and family! Thank you !
Sagicor Life Insurance Company
Aug 1st, 2020

John Lockhart
You need to ask your clients when to take the payments. What day of the month? For me, it's best on the 22nd after my social security arrives.
Independent Order of Foresters
Jul 19th, 2020

Lawrence Morris
The company itself I stand by excellent and hospitable
America's Consumers and Affiliates
Jul 19th, 2020

Freda Wheatcraft
It was an easy process and the company has been around for many years and has a stable history.
Aetna/American Continental Life Insurance Company
Jul 15th, 2020

Desmond Lincoln
Process took longer than expected but overall experience was positive.
Gerber Life Insurance Company
Jul 14th, 2020

Diana Gomez
Very easy to apply! We also got a great price.
Gerber Life Insurance Company
Jul 9th, 2020

Jacari Taylor
Was great. All i had to do was answer questions to determines my rates. They do, do a background check. The rates are fair, no blood tests or pee tests were needed.
United of Omaha Insurance Company
Jul 6th, 2020

Sylvia Donnell
Very simple, all online and over the phone.
Royal Neighbors of America
Jul 3rd, 2020

Kevin Wilson
The process was user friendly and the customer service was high quality!
United of Omaha Insurance Company
Jul 3rd, 2020

Mary Stanley
Very Polite, Efficient, Knowledgeable and very helpful Thank You. Mike Stanley
American General Life Insurance Company

Exam Required

This policy qualifies you based on a medical exam performed by a physician.

No Medical Exam

Policies that do not require a medical exam in order to apply. Companies rely on pharmacy records and other public reports to determine approvals. Some applicants may require a health exam and/or additional information.

Living Benefits

Policies that include critical and chronic illness riders that allow the insured to access the death benefit for medical care and expenses.

Universal Life

A type of permanent policy that allows flexible premium payments and contains a cash account that earns interest.

Return of Premium

Policies that repay all the premiums paid into the policy after completion of the term. Ex. After a 20 year term policies ends, all premiums are paid back to the insured.

Guaranteed Issue

Policies that do not have any health questions and are guaranteed acceptance.

Rapid Issue

Policies that offer an immediate decisions the same day. This may take longer if further identity verification is needed.

Online Application

Polices that have their full applications online. No agent interaction needed.

Modified Benefit

Polices that for the first couple years are Accidental Death Benefit policies. If the insured passes within the first two years due to natural causes, the benefit is a return of all premium paid, plus interest.

Graded Benefit

Polices that for the first couple years are Accidental Death Benefit policies. If the insured passes within the first two years due to natural causes, the benefit is a return of all premium paid, plus interest.

Whole Life

A type of permanent policy that may build up a cash value.

Accidental Life

Accidental death is the fourth-leading cause of death in the U.S., and #1 for people ages 25 to 44. Accidental policies do not cover death by illness. These policies have no health questions, and enrollment takes just minutes. An accidental life insurance policy is a popular addition to a traditional life insurance policy that also covers death by illness (natural causes).

Accelerated Underwriting

For those in excellent health, the medical exam requirement is often waived and policies are issued within 48 hours. To qualify for accelerated underwriting, the customer must qualify for one of the top two health classes. This includes applicants who are in excellent health, take few medications, and have a good credit history (typically above 700).

Time to Approval

This policy will take #0# days for approval.
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