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Quote: 63 year old male from California Edit

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Most Affordable
$32.99
monthly price
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(123)

Exam required

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

This policy is best if you are in good overall health and you want to provide enough coverage for funeral expenses.
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Term life inusrance (No Medical Exam)

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No Exam
$32.99
monthly --- price
Protective Life & Annuity Insurance Co
(123)
Simplified Issue (No Medical Exam)
OA
NE
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Company rating Top 10% overall
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Health class Preferred
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Cheryl Schlenkert
Licensed in California
270 reviews
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
30 reviews
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. 
Jennifer Plisch
Licensed in California
641 reviews
With more than 25 years in sales, she is committed to providing the very best customer service.
Nikki Walker
Licensed in California
147 reviews
Nikki is a 20+ year veteran of the insurance industry with a history of sales, management, and underwriting.

We've helped thousands. Will you be next?

Rated Excellent based on 1587 reviews
Jan 7th, 2021

Eddie Vanderhorst
Verified
Apply for life insurance was confusing at first because of the different qualifications. However I applied for an insurance that was able to meet my needs. It was a easy process and the turn around time from an agent was very quick.
America's Consumers and Affiliates
Jan 1st, 2021

Jason Wilfong
Verified
Quick and easy. Just the way I like it.
Assurity Life Insurance Company
Dec 30th, 2020

Brian Gray
Verified
It was super easy and to apply.
Independent Order of Foresters
Dec 28th, 2020

Mike Litwiller
Verified
great service and stuff
Sagicor Life Insurance Company
Dec 24th, 2020

Anthony Fuller
Verified
Very straightforward application process
Pruco Life Insurance Company
Dec 23rd, 2020

Alyssa Doot
Verified
Working with Taylor was a breeze! He made something that seems so complicated seem so straight forward, I’m really grateful for his help.
Sagicor Life Insurance Company
Dec 23rd, 2020

Tammy Jackson
Verified
Jennifer, was excellent at the question I were needing help with. She was friendly, nice, an a huge relief. I will pass on her information to some more senior’s in need of help with insurance. Thank you for being so kind a helpful. Tammy Jackson
United of Omaha Insurance Company
Dec 22nd, 2020

Anook Neal
Verified
Very easy, painless process!
Sagicor Life Insurance Company
Dec 19th, 2020

Brenda Hagemann
Verified
Aaron Udel was very helpful and had all the information I needed. He was also very professional. I would recommend to anyone looking to buy insurance. He made it much easy for me to decide.
United of Omaha Insurance Company
Dec 17th, 2020

Billy Ross
Verified
Very Happy with the policy and the over all experience.
Assurity Life Insurance Company
Dec 16th, 2020

Michelle Charles
Verified
professional and informative
America's Consumers and Affiliates
Dec 15th, 2020

Angela Williams
Verified
Nikki was very helpful and explained the entire process. She made the experience of shopping for insurance manageable and not pressured or stressful
Gerber Life Insurance Company
Dec 14th, 2020

Camilla Senteneri
Verified
Aaron was absolutely wonderful to work with! He took the time to answer all my questions and made the process so smooth. I am very happy I took the time to answer the call from him! A definite asset to your company!
United of Omaha Insurance Company
Dec 12th, 2020

Ayanna Coleman
Verified
My agent Jenn Plisch was essential to me finishing my process on time to close my loan. She was super professional and answered all of my emails in a timely manner. I will definitely recommend true lie to my colleagues.
Sagicor Life Insurance Company
Dec 10th, 2020

Daniel Price
Verified
Great coverage and excellent rate!
Lincoln National 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

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