Sagicor No Exam Life Insurance Review

sagicor no exam life insurance reviewLast Updated: January 2nd, 2018

Who exactly is Sagicor? Sagicor has been in business for 175 years, has an AM best rating of BBB-, has over $5 billion in assets, is publicy traded with offices in FL, AZ, and OK, and has over 600,000 policy holders.

Perhaps you’ve been offered a Sagicor no exam life insurance plan and wonder if it’s too good to be true? Rest assured you are in the right place for advice, with over 700+ positive reviews on ShopperApproved, is the authority on no exam life insurance. Below is our in depth Sagicor no exam life insurance review.

Table of Contents

Factors That Make Sagicor Life a Strong Company
How Much Coverage Can I get Without an Exam?
How Old Can You Be for a No Exam Policy With Sagicor?
What If I Have Health Issues?
Is No Exam Life Insurance Expensive?
Sample Sagicor Life Rates
How to Apply
Is Sagicor’s No Exam Plan Whole Life or Term?
Is There a Waiting Period?

Is There a Catch with Sagicor No Exam Life Insurance?

Just because you haven’t seen a recent TV commercial or Billboard Ad from Sagicor, does not mean you shouldn’t put your trust in them. Many stable, tried and true insurance companies choose not to spend marketing dollars on such advertisements. Read more about no exam life insurance here.

Click here to get an instant quote and apply online with Sagicor

5 Factors That Make Sagicor Life A Strong Company

  1. Sagicor is a reputable company that has 175 years of history.
  2. Sagicor Life USA has corporate offices in AZ, FL and OK.
  3. The company’s total assets are more than $5 billion.
  4. Sagicor is a publicly traded company with 37,000 shareholders.
  5. They have a policyholder base of approximately 600,000.

Click here to get an instant quote and apply online with Sagicor

I hope these 6 points above help ease your mind about Sagicor’s no exam life insurance product. Now, let’s review how this plan works and what consumers are asking.

Video Overview

How Much Coverage Can I Get Without an Exam?

Sagicor offers up to $500,000 in coverage without requiring a medical exam. You can purchase above this amount with Sagicor, but a paramedical exam will be required.

If you are looking for more than $500,000 without an exam, I recommend combining your portfolio with the top companies that offer no exam life insurance.

What is the Age Limit for a No Exam Term Policy From Sagicor?

You need to be between the ages of 18-65 to qualify without an exam. If you are over the age of 65, you may be able to get by without an exam if you are applying for under $50,000.

What if I have health issues?

Most mild health conditions are accepted by Sagicor life insurance. This policy is best for people who haven’t seen a doctor in a few years, have controlled high blood pressure, mild anxiety and can maintain employment with their health condition.

These are just a few examples. To speak with a licensed agent, please call us at 888-407-0714.

Is Sagicor’s no exam life insurance expensive?

In general, no exam life insurance is priced slightly higher than if you go through an exam. Sagicor life insurance has the most competitive prices if you are between the ages of 50-65.

Sample Sagicor No Exam Life Insurance Rates

30yr Old Male

Coverage AmountTerm LengthMonthly Premium
$250,00020 Year Term$24.37 per month
$500,00020 Year Term$42.44 per month

30yr Old Female

Coverage AmountTerm LengthMonthly Premium
$250,00020 Year Term$19.40 per month
$500,00020 Year Term$32.51 per month

50yr Old Male

Coverage AmountTerm LengthMonthly Premium
$250,00020 Year Term$93.62 per month
$500,00020 Year Term$100.40 per month

50yr Old Female

Coverage AmountTerm LengthMonthly Premium
$250,00020 Year Term$74.91 per month
$500,00020 Year Term$83.48 per month

Disclaimer: The above rates are non-tobacco, preferred class prices. Actual rates may vary based each person’s health profile. Coverage amount and term lengths can be adjusted to suit your budget. Please visit for your quote. You can also see more rates on our sample life insurance rates page.

How can I Apply? has the Sagicor life insurance application available online. Simply click here to get a quote, select a policy, and apply online.

Is the Sagicor no exam life insurance plan whole life or term?

Sagicor offers a variety of life insurance plans with no exam. Their term plans are available in 10, 15 and 20 years. You can also purchase permanent plans commonly known as lifetime coverage.

How quick can I get coverage?

Sagicor’s no exam product has an approval time of 24-72 hours. There is no need to wait for medical records from your doctor’s office. In some cases, you can have an instant approval!

If you are busy and have no time to hassle with an exam then Sagicor is a competitive option for you to secure life insurance.

Is there a waiting period?

The Sagicor no exam life insurance plan is a standard, level term plan. Once you have your approval from the company and have your payment applied, you are insured.

Sagicor No Exam Life Insurance Review Summary

There’s no doubt researching life insurance can be an overwhelming task. For most people, it is a brand new experience. Often followed by a series of confusing options and too many phone calls.

Securing the proper protection for your loved ones is vital, and you don’t want to mess it up! Let alone end up paying for a plan that doesn’t keep its promise.

Sagicor has been a leader in the life insurance industry offering innovative, convenient processes for consumers. No Exam Inc is a top partner with Sagicor. Together we’re on a mission to assist people like yourself to get life insurance fast with no hassle. I hope you found our Sagicor no exam life insurance review helpful.

Click here to find out how little a no exam life insurance will cost for you.

Melissa Schreur

Melissa Schreur is an agent with She is passionate about helping her clients secure life insurance to protect their loved ones from financial catastrophe. Please see our guide to no medical exam life insurance and the best life insurance companies of 2018.

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