Fixed monthly rates that will never change during the level term period of your policy.
Our fast and simple questionnaire will get you coverage fast.
Answer our short medical health application to see if you qualify for immediate coverage.
I offer my strongest recommendation from the perspectives of service and pricing.
Heidi Blaser did an excellent job working me thru a second policy purchase, getting approved very quickly. She really does an excellent job. I have referred 2 neighbors to her for life insurance policies too. People are nervous about the process and Heidi made it easy to work through. Thank you! Five stars for sure!
Ms. Blaser timely responded to my initial inquiry for a policy and she answered each of my questions in a timely manner. She also followed through with documentation I needed after the policy was issued.
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Coverage with or without an exam available for ages 18-65.
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For years, life insurance has confused and eluded a large portion of the American population. People either do not know they need coverage, do not know where to start, or get so overwhelmed with the application process that they never secure much needed life insurance coverage.
We wanted to do everything we could to help Americans get the best life insurance coverage for their families in order to provide for them in the event of their untimely death. As a result, our service was born to help people understand their life insurance options and get the best coverage possible to protect their families.
These astonishing statistics show many of the reasons we chose to start our no exam life insurance portal:
We totally understand and relate to these pain points with traditional life insurance coverage. At the end of the day, just about everyone needs some level of life insurance coverage for their family. We want you to feel comfortable with your life insurance options, and also make it extremely convenient to secure life insurance coverage for the people you love the most.
We’ve made insurance easy, affordable, and quick for you. We’ve found the top carriers with the most competitive products. Life insurance can be hard, but we’ve designed a system to make it simple.
Our independent life insurance agents represent these no exam life insurance companies, as well as dozens of the other best life insurance companies on the market. This allows us to provide superior life insurance rates, as well as a wide range of coverage options to ensure you find the best policy for your needs.
There are all sorts of reasons that people purchase instant life insurance coverage. The primary reasons are:
Mainly, people who have financial dependents and large amounts of debt should consider life insurance in order to protect their loved ones in the event of their death. While it is not a pleasant thought, we all must die one day. Protecting your family in the event of your death is the primary purpose for life insurance.
For those with financial dependents such as children and spouses, life insurance can supplement your income for them in the event of your death.
Paying Off Debt
For those with large amounts of debt such as mortgage, car loan, student loans, auto loans, etc… life insurance can serve as a way to pay off these debts in the event of your death so that they are not passed on to your family through an estate.
Occasionally, life insurance may be required by law in the event of a divorce in order to prove that you have a way to pay child support or alimony in the event of your death.
Life insurance is often times used by business owners as a way of collateral assignment for loans. In this case, a life insurance policy can be taken out that is then assigned as collateral on a loan, promising that the policy will pay out the amount you owe to the bank in the event of a default.
Small Business Loans
Securing an SBA loan or funding a buy-sell agreement. Maybe you are finally launching your dream company, but are securing an SBA loan to do so. Most people didn’t know that the government requires you to secure your SBA loan with a life insurance policy as collateral assignment.
From the SBA website: “the Lender should require life or disability insurance where there is a concern over whether the business could survive in the absence of an individual or small group of individuals that provide the management for the small business concern.”
You need this money now to begin your business, and can’t wait 2-3 months for a life policy to be approved. “No exam” policies can be approved instantaneously without holding up your business financing.
Many adoption agencies will want to make sure the child is not placed in a financially unstable home. One way to demonstrate financial care for the child is to have life insurance in place to provide for care if something happens to you. Again, speed is the issue here, and long delays in underwriting could delay or suspend an adoption process.
Life insurance is also used for many other reasons, such as planning for retirement, leaving a legacy, building a trust or estate, and as an investment vehicle. For the most part, if these reasons are why you are looking for life insurance, you should likely consider permanent life insurance, which we will discuss at the end of this section.
With new advances in technology and underwriting, life insurance companies are now able to offer customers the ability to bypass the medical exam. There are a few requirements though. Applicants that qualify for accelerated underwriting are typically in great health. Accelerated underwriting also limits coverage amounts to $1m, but some companies offer it up to $3m for qualified applicants.Simplified Issue
Simplified Issue life insurance policies do not require a medical exam, but a medical questionnaire is necessary. The insurance company will use the questionnaire to determine eligibility before they issue the policy. Acceptability based on medical conditions will vary based on the company. This type of policy is more restrictive than other “no medical” policies because health will be used as an underwriting criteria.Guaranteed Issue
Guaranteed Issue life insurance policies do not require an exam, neither do they require the customer to complete a medical questionnaire. Because of the broad acceptability, guaranteed issue is the most expensive type of life insurance in terms of cost per thousand dollars of insurance coverage. Our life insurance agents can determine if this category best fits an individual’s situation. They will also shop a wide variety of company for the best pricing.
Life insurance can be quick, painless, and affordable. But there are still a lot of options and a lot to consider.
Do you go with the quick “no-exam” life product, or go the traditional route?Which company will be the best fit for your needs?
That’s why we are here. Yes you get a quote and apply online without ever talking with us. Many people choose to do that. We have set up portal to make life insurance as easy as possible.
We are also real people who have can help. We’ve developed a group of experts on multiple companies and products to be able to guide you through multiple life options. Our job is to find you the best coverage at the best value, and we can do that through our portal or by speaking with one of our agents.
Check out our online system, but remember we are here to answer your questions and concerns about your own life insurance situation.
Contact us today and let us help you find the best life product for you.
Our online application is for term life insurance policies. We also offer whole life insurance, but you will need to speak with one of our agents on the phone to receive a quote and apply. Of the two types of life insurance, term is the most popular.
Fill out the form at the top of this page to see your custom life insurance quote. We will need your date of birth, height, weight, tobacco usage (if any), coverage amount and term length to show you a quote. This quote is preliminary and does not take into account any health issues you may have.
No. We offer term insurance that does not require an exam. We also offer term policies that do require an exam. On average, the term life policies that do not require an exam have higher premiums.
We advise those with health issues to go with a fully underwritten policy. Typically, life insurers let applicants with outstanding health skip the exam. If you are in good health, but have a lengthy medical history, it is best to take the exam to ensure the best rate.
A life insurance calculator will tell you to choose a death benefit that is equal to 7-10 times your annual income plus whatever debt you carry. Also include an amount for your children's college tuition. For the term length, we recommend a 20 or 30 year term as they provide the most value.