No Medical Exam Term Life Insurance

Benefits do not have to be used to pay off the mortgage. Proceeds can be used for anything

• Beneficiary proceeds can go towards paying off your existing mortgage or the beneficiaries can use the insurance proceeds as income tax-free benefits for other expenses, such as college tuition, funeral and burial expenses, and bills... all free of tax liability.

Amounts Available

• Face amounts up to 25% over the mortgage amount (including second mortgages) up to $250,000
• Face amounts start at $50,000

Eligable ages

• 10-Year Term Plan: Ages 18-65
• 15-Year Term Plan: Ages 18-60
• 20-Year Term Plan: Ages 18-55
• 30-Year Term Plan: Ages 18-45

Other Policy Options/Riders

• Life insurance for your spouse
• Life insurance for Children
• Return of Premium option: If you purchase the ROP rider and keep the policy for the full term, 100% of your premium payments will be returned to you.
• Terminal Illness/Accelerated Death Benefit (this is a free rider): If you are diagnosed with a terminal illness with less than 6 months to live, or are confined to a nursing home due to a non-correctable medical condition, the policy will advance up to 75% of the face amount of the policy.

About the Application Process

• Qualified applicants can apply in as little as 10 minutes
• Policies are issued in about 3-5 days
• Underwriting is based on a couple of medical questions and a report from the Medical Information Bureau.
• 30-day money-back guarantee

Not Available in

Alabama
Idaho
Montana

New York
North Dakota
South Dakota

Utah
Vermont
Washington
Wyoming