Aetna insurance. Top Ranking Best No Medical Exam Term Life Insurance Companies

Best No Medical Exam Term Life Insurance Companies

With the growing popularity of no medical exam term life insurance coverage, we at Top Quote Life Insurance think it’s important for you to know best life insurance companies offering no medical exam term life insurance, along with the benefits they include. Term life insurance no medical exam.

No medical exam term life insurance coverage is a convenient way to obtain life insurance without having to meet with an examiner for blood or urine samples. No medical exam term life insurance coverage is also generally a faster way to obtain coverage than the traditional medical exam option.

Since there are still only a limited amount of companies that offer no exam term life insurance coverage, we have put together a list of the top life insurance no exam companies to choose from.

Top Quote Life Insurance offers the top no medical exam term life insurance companies available. Instantly compare no exam life insurance rates or for assistance, contact us toll free at (888) 777-7574.

Top Ranking Best No Medical Exam Term Life Insurance Companies of 2018

American National Insurance Company (ANICO)

POLICY NAME: ANICO Signature Term Express

TYPE OF POLICY: No medical exam term life insurance

AVAILABLE TERM LENGTHS: 10, 15, 20, & 30 years (Depending on current age)

NON MEDICAL HEALTH CLASSES: Standard Non-Smoker & Standard Smoker

MINIMUM COVERAGE AMOUNT WITHOUT EXAM: $50,000

MAXIMUM COVERAGE AMOUNT WITHOUT EXAM: $250,000

APPLICATION TYPE: Paper or electronic

TELEPHONE INTERVIEW:Only if you have health issues that require additional details

DESCRIPTION OF COVERAGE: ANICO Signature Term Express is a term life insurance no medical exam policy, with the possibility of very quick approval. For those that are in excellent health but do not wish to take an exam, you may qualify for coverage within 72 hours. Underwriting will consist of an application, medical history questionnaire, review of your MIB, MVR and prescription check. If you have any health issues you may be required to do a 5-10 minute telephone interview for additional information.

PROS: If you’re in great health you can get approval in as little as 72 hours. If you’re not in the greatest health, you still have a good chance of qualifying for coverage.

CONS:If you have health issues, minor or major, expect longer underwriting times.

Assurity Life Insurance Company

POLICY NAME: LifeScape NonMed Term 350

TYPE OF POLICY: No medical exam term life insurance

AVAILABLE TERM LENGTHS: 10, 15, 20, & 30 years (Depending on current age)

NON MEDICAL HEALTH CLASSES: Standard Non-Smoker & Standard Smoker

MINIMUM COVERAGE AMOUNT WITHOUT EXAM: $50,000

MAXIMUM COVERAGE AMOUNT WITHOUT EXAM: $350,000

APPLICATION TYPE: Paper or electronic

Annuity

TELEPHONE INTERVIEW:Only if you have health issues that require additional details

DESCRIPTION OF COVERAGE: Assurity LifeScape NonMed Term 350 life insurance offers no medical exam underwriting with death benefits as high as $350,000. Underwriting will consist of an application, medical history questionnaire, review of your MIB, MVR and prescription check. Approval timeframes will depend on the individual health history. If a copy of your medical records is not needed, you can generally expect a turnaround time of 10-14 business days.

PROS: Can get up to $350,000 in death benefit coverage without a medical exam.

CONS:Premiums tend to be on the higher end when compared to other no medical exam companies.

Cincinnati Life Insurance

POLICY NAME: LifeHorizons TermSetter

TYPE OF POLICY: No medical exam term life insurance

AVAILABLE TERM LENGTHS: 10, 15, 20, & 30 years (Depending on current age)

NON MEDICAL HEALTH CLASSES: Standard Non-Smoker & Standard Smoker

MINIMUM COVERAGE AMOUNT WITHOUT EXAM: $25,000

MAXIMUM COVERAGE AMOUNT WITHOUT EXAM: $99,999

APPLICATION TYPE: Paper or electronic

TELEPHONE INTERVIEW:Only if you have health issues that require additional details

DESCRIPTION OF COVERAGE: Cincinnati Life Insurance TermSetter life insurance coverage gives allows for no medical underwriting for death benefit amount below $99,999. Underwriting will consist of an application, medical history questionnaire, review of your MIB, MVR and prescription check. Approval time is a little longer than most no medical exam life insurance companies, but the low rates make up for it.

PROS:Often has the best price for death benefit amounts below $99,999 and tobacco chewers are considered non-smoker rates.

CONS:Longer underwriting times than most no medical companies.

Fidelity Life Insurance

POLICY NAME: Rapid Decision Express

TYPE OF POLICY: No medical exam term life insurance

AVAILABLE TERM LENGTHS: 10, 15, 20 & 30 years (Depending on current age)

NON MEDICAL HEALTH CLASSES: Standard Non-Smoker & Standard Smoker

MINIMUM COVERAGE AMOUNT WITHOUT EXAM: $25,000

MAXIMUM COVERAGE AMOUNT WITHOUT EXAM: $250,000

Medical coverage

APPLICATION TYPE: Electronic only

TELEPHONE INTERVIEW:Only if you have health issues that require additional details

DESCRIPTION OF COVERAGE: Fidelity Life Rapid Decision Express term life insurance coverage offers up to $250,000 in death benefit coverage with very fast approval times. Underwriting will consist of an electronic application, medical history questionnaire, review of your MIB, MVR and prescription check. Fidelity offers term life insurance no exam underwriting up to age 65 making it a top choice for senior life insurance coverage.

PROS:Very quick underwriting with approval times within 24-48 hours.

CONS:Payment informationis required such as credit card or auto draft is required at the time of the application.

Minnesota Life Insurance

POLICY NAME: Advantage Elite Select Life

TYPE OF POLICY: No medical exam term life insurance

AVAILABLE TERM LENGTHS: 10, 15, 20, & 30 years (Depending on current age)

NON MEDICAL HEALTH CLASSES: Standard Non-Smoker & Standard Smoker

MINIMUM COVERAGE AMOUNT WITHOUT EXAM: $50,000

MAXIMUM COVERAGE AMOUNT WITHOUT EXAM: $249,999

APPLICATION TYPE: Electronic only

TELEPHONE INTERVIEW: Yes, medical history will be conducted by telephone interview

DESCRIPTION OF COVERAGE: Minnesota Life Express Issue term life insurance offers 1-2 day no medical exam underwriting with death benefits as high as $249,999. Underwriting will consist of an electronic application, telephone interview, and a review of your MIB, MVR and prescription check. If you pass the medical questions, approval time can be made as little as 1-2 days.

PROS:Very affordable rates with fast approval times if you pass the medical questions.

Sagicor Life Insurance

TYPE OF POLICY: No medical exam term life insurance

AVAILABLE TERM LENGTHS: 10, 15, 20 years (Depending on current age)

NON MEDICAL HEALTH CLASSES: Standard Non-Smoker & Standard Smoker

MINIMUM COVERAGE AMOUNT WITHOUT EXAM: $50,000

MAXIMUM COVERAGE AMOUNT WITHOUT EXAM: $500,000

APPLICATION TYPE: Paper or electronic

Family life insurance quotes

TELEPHONE INTERVIEW: Yes, only when selecting the paper application option

DESCRIPTION OF COVERAGE: Sagicor Sage Term life insurance offers the highest death benefit available with no medical exam underwriting. In order to apply for coverage, you may select to complete a standard paper application or an electronic application. If you choose to complete a paper application, you will need to complete a telephone interview, consisting of medical questions, which will take about 15 minutes. Along with the application, underwriting will consist of a review of your MIB, MVR and prescription check. Underwriting time will vary depending on the individual applying but approval can be made within minutes on some individuals.

PROS:Offers the most amount of death benefit coverage without a medical exam.

CONS:Several medical conditions or prescriptions can disqualify you for coverage.

Transamerica Living Benefits

POLICY NAME: Trendsetter Living Benefits (LB)

TYPE OF POLICY: No medical exam term life insurance

AVAILABLE TERM LENGTHS: 10, 15, 20, 25 & 30 years (Depending on current age)

NON MEDICAL HEALTH CLASSES: Standard Non-Smoker & Standard Smoker

MINIMUM COVERAGE AMOUNT WITHOUT EXAM: $25,000

MAXIMUM COVERAGE AMOUNT WITHOUT EXAM: $249,999

APPLICATION TYPE: Paper or electronic

TELEPHONE INTERVIEW:Only if you have health issues that require additional details

DESCRIPTION OF COVERAGE: Transamerica Living Benefits term life insurance not only offers no medical exam underwriting, but also comes with a critical, chronic and terminal illness living benefits rider. These three riders allow you to access you policy’s death benefit for tax free cash if you become ill from a qualifying critical, chronic or terminal illness. In order to apply for coverage, a standard application along with a medical questionnaire will be required. Underwriting time will vary depending on the individual applying but typically runs from 1-4 weeks for approval.

PROS:The ability to access cash from your death benefit tax free if you suddenly become ill from a qualifying critical, chronic or terminal illness. The best part is, you don’t have to pay it back if you use it.

INSTANTLY COMPARE NO MEDICAL EXAM TERM LIFE INSURANCE QUOTES

Important Facts When Considering No Medical Exam Term Life Insurance Coverage

APPROVAL – When considering no medical exam term life insurance coverage, it’s very important to understand that approval is not guaranteed. No medical exam term life insurance coverage is perfect for those who need coverage fast or just rather not deal with having to meet with an examiner or having to do a blood draw and urinalysis.

COVERAGE – Term life insurance no medical exam coverage has limitations on how much death benefit coverage you can get without having to take a life insurance medical exam. If you need death benefit coverage higher than $500,000 with one company, you will need to take a medical exam.

PRICE – It’s important to know that no medical exam life insurance coverage is a little more expensive than the traditional medical exam option.

No Medical Exam Term Life Insurance Quotes

The no medical exam term life insurance companies listed in this article are all available to you with Top Quote Life Insurance. The instant term life insurance quote tool to the left of the computer will display all the no medical exam term life insurance companies listed in this article. If you need any assistance or questions please do not hesitate to contact a Top Quote Life Insurance representative (888) 777-7574.

Simple Guide to Top No Medical Exam Term Life Insurance Companies by Jeffrey Manola Top Quote Life Insurance

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