Life Insurance Without
the Medical Exam
Answer a few health questions online. Get covered up to $2 million. No lab work, no needles, no waiting weeks for approval.
100% Online
The entire application lives on your screen. Answer health questions at your own pace, from your phone or laptop. No appointments, no waiting rooms, no driving anywhere.
Up to $2M Coverage
Simplified-issue policies go up to $2 million depending on your age, health answers, and chosen carrier. Choose the coverage amount that actually protects your family.
10, 15, 20 or 30-Year Terms
Pick the term length that matches your life stage — whether you need coverage until the mortgage is paid off, the kids graduate, or you reach retirement.
How It Works
Three steps from your couch to covered.
Answer Health Questions Online
A short questionnaire — about 5 minutes. No blood draws, no doctors, no scheduling appointments. Just your health history in plain language.
We Match You to the Right Carrier
Terry reviews your answers and shops across 20+ carriers to find the one with the best rate for your specific profile. Not all carriers price the same profile the same way.
Coverage Starts With Your First Payment
Once approved and your first premium is paid, you're covered. For many simplified-issue policies, approval comes within hours or days — not weeks.
Who Qualifies?
No-exam coverage comes in two flavors. Terry will tell you exactly which one fits your situation.
Answer Health Questions — No Exam
You answer a set of health questions (no physical required). The carrier uses your answers and potentially database checks to assess risk. Most people qualify.
- Coverage up to $2 million
- Term lengths from 10–30 years
- Approval within hours to a few days
- Best rates for healthy to average health
No Health Questions at All
No health questions, no exam, no medical review. Guaranteed approval for anyone who applies. Designed for seniors or those with serious health conditions who can't qualify elsewhere.
- Coverage from $1,000–$30,000
- Ideal for final expenses and burial costs
- Approval is instant — always
- Best for seniors ages 45–85 or serious health issues
Why No-Exam May Cost a Little More
With a traditional exam-based policy, you prove your health — and carriers reward low risk with lower rates. Without an exam, carriers price in the unknown, which can add a small premium. For most people in average health, the difference is minimal and the speed and simplicity are worth it. If you're in excellent health and want the absolute lowest rate, Terry will show you exam-based options alongside no-exam options so you can choose with full information.
See Both Options for FreeCommon Questions
How long does the application take?
The online health questionnaire typically takes 5–10 minutes. After submission, simplified-issue policies often return a decision within 24–72 hours. Guaranteed-issue policies are approved immediately — no review needed.
Will I pay more without an exam?
Sometimes, but not always. If you're in excellent health, an exam-based policy may be slightly cheaper because you prove low risk. For most people with average health, the difference is small and the convenience is worth it. Terry will show you both options and let you decide.
What if I'm denied?
Simplified-issue denial doesn't mean you're uninsurable. You may still qualify for a guaranteed-issue policy, or a different carrier may approve the same condition. Terry will find the path forward.
Explore More
Other Life Insurance Options
Not sure this is the right fit? Terry will help you find what actually works for your situation.
Protect Your Family.
Let's Find Your Coverage.
Life insurance and employee benefits. No pressure, no commitment. Just real guidance from two people who pick up the phone and tell you the truth.
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