How to Get Life Insurance Now, or Within a Few Days

Finding the right life insurance policy requires thorough legwork and due diligence. You can’t just go for any policy that a particular company is selling prior to digging deeper to know exactly what the coverage entails. Apart from finding the right life insurance provider, you ought to consider the procedures and protocols involved. For instance, some of the life insurance policies have tedious and lengthy underwriting processes, which can consume most of your time. Such policies might not be appropriate for individuals seeking to get urgent life insurance coverage. So, if you’re looking to obtain life insurance coverage right away and within the shortest time possible, then consider going for no medical exam life insurance.

What is No Medical Exam Life Insurance?

Just as the name suggests, you need not to take any medical examination in order to qualify for this type of life insurance policy. This, therefore, means that applicants are not subjected to any medical examination when making their applications. This kind of policy is sometimes referred to as Simplified Issue Life Insurance Policy.

No Medical Life Insurance Vs Traditional Life Insurance

With no medical exam life insurance, you are required to go through the normal application and underwriting process, only that you will not undergo the medical examination. This, therefore, helps speed up the approval process. Most of the insurance companies that offer non-exam life insurance policies can get you approved in a matter of hours.

For a traditional or typical life insurance policy, you need to pass a rigorous medical examination in order to qualify for the policy. A nurse takes you through the exam whereby several medical checkups are done. These may in clued blood pressure and urine tests. Weight and height are also determined during the examination. Once the test is complete, your results are screened alongside your application. Also, your medical history has to be reviewed. The review may take up to 8 weeks depending on the complexity of the tests that have been carried out.

Merits and Demerits of No Exam Life Insurance Policy

As mentioned earlier, you need not to take any medical examination to qualify for this kind of life insurance policy. As such, the approval process is a bit quicker as compared to the traditional way of acquiring life insurance products. Approval time ranges from same day to a few days depending on your chosen provider. With non-medical life insurance, you are going to skip the tedious and lengthy underwriting process. Also, it is the right policy for individuals who are in excellent health condition. By avoiding the complex underwriting process, you are likely to save time and money.

Nevertheless, there are a few limits that are associated with this type of life insurance policy. Truly, there is no guarantee that you will get the policy. Remember you are still going to undergo the normal application process. This, therefore, means that your medical history will be checked and that is likely to betray you. So, if your health is deteriorating, this policy might not be the right fit for you.

Companies That Can Get You Life Insurance Now

Not every insurance company you encounter out there is able to offer you the kind of life insurance policy you want. For instance, if you are looking to get your application approved quickly without undergoing the lengthy underwriting process, then you need to go for specific companies that offer no medical exam life insurance. Outlined below are some of the renowned insurance companies that can get you life insurance coverage right away without a big hassle:


Sagicor Life Insurance Company has been operating for more than 60 years. It serves the District of Columbia and other 45 states. Being one of the best life insurance companies in the U.S., Sagicor is known for offering no medical exam life insurance products. Its solid market reputation has earned the company a high “A” rating. This company can get you approved in less than 72 hours after submitting your application. For individuals with health complications such as diabetes, Sagicor Life is indeed their perfect choice.

Sagicor’s Product Features

  • Their no medical exam insurance ranges from $25000 to $1M.
  • Approval can either be instant or go up to 72 hours.
  • Their no medical exam universal and term policies can be completed in less than 30 minutes.
  • Their rate classes are Preferred, Standard and Table.
  • The term lengths for their no exam term products are 10, 15 and 20 years.

Phoenix Life Insurance Company

Having been in business for 166 years, Phoenix is one of the oldest life insurance companies that still exist in the market today. The company has existed since 1851 and has made life insurance its main objective. And because of its excellent performance, Phoenix Life is “B” rated.

Phoenix’s Product Features

  • Their no exam insurance ranges from $25000 to $400000
  • The company offers a lucrative no medical exam policy called Safe Harbor Term Life Express.
  • The policy is available to anyone aged between 18 and 80 years.
  • The term lengths for their policy are 10, 15, 20, and 30 years.
  • Ability to convert the term life policy into a permanent life insurance policy.
  • Phoenix Life also offers riders for terminal Illness, chronic illness, critical illness, and unemployment waiver of the premium rider.

Fidelity Life Insurance Company

Fidelity Life Insurance Company has existed for more than 120 years. This company is among the few insurers that have taken the advantage of technology to help quicken their underwriting process. And because of this, Fidelity Life has managed to survive the highly competitive market. The digital tool has really helped them to reduce the approval time to as low as 48 hours. The company is rated “A-“and is always working hard in order to meet the needs of their customers.

Fidelity’s Product Features

  • Their best no medical exam policy is called Fidelity’s Rapid Decision Express.
  • Their approval time is 48 hours.
  • The product has term lengths of 10, 15, 20, and 30 years.
  • The policy is available for individuals aged between 18 and 65 years.
  • Medical examinations or records are unnecessary.
  • Applications are usually completed between 10 and 15 minutes.

They only offer Standard health classes for this life insurance product. These may include Standard nicotine and Standard non-nicotine.
Other companies like principal and Transamerica offer no exam but not as fast. Apart from quick approval of the applications, you may need a company whose application procedure is easy to follow and takes the least time possible. Also, many people opt for insurance companies that have integrated technological know-how to make their processes a bit simpler.

Why Opt for No Medical Exam Life Insurance?

The ease at which one can get a life insurance policy is indeed what has made no medical exam life insurance so popular. Imagine bypassing the tedious paperwork and complex medical examinations involved in traditional life insurance and still get the coverage you want. With just a click of a mouse, you are able to complete and submit your application. Better still; the application will only take hours to get approved. This means you are able to protect your family without any delays.

Non-medical life insurance offers a lot of convenience to the applicants. Unlike the traditional life insurance application process, no medical exam life insurance is applied online. You have to sign electronically before submitting your duly filled online application form. You are not required to take any medical examination, so you are not going to encounter any nurse whatsoever. So, if you have a tight schedule and lack enough time to go through the lengthy traditional life insurance application process, then non-medical exam life insurance is the better option.

Even though non-medical exam life insurance is a bit easier to acquire, it is not meant for anyone seeking life insurance coverage. This is because the underwriting process is a bit tricky, and that is why insurers have to do close scrutiny. Remember the only thing an insurer is looking at is your medical records, so they do not want to take that big risk of accepting everyone who applies. People undergoing treatment for major medical complications, such as heart disease or diabetes may be rejected. It is, therefore, advisable to keep in mind your current health condition when shopping around for no medical life insurance.

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Note that different no medical exam life insurance companies deliver different benefits to the applicants. Remember the only feature these policies have in common is that there is no medical examination required. For some individuals, they may prefer to go for companies that offer quick applications and faster approvals. When choosing an insurance provider, you need to go for one that best fits your specific needs. You should make use of the free online no medical exam life insurance quotes for easy comparison. By so doing, you are no doubt going to land the best service provider around your area.

The good news for you is you’re in the right place. We represent all of the top rated no exam life insurance companies on the market and can do the shopping on your behalf, at no extra cost to you! Give us a call today or run no exam life insurance quotes online.