No Medical Exam Life Insurance
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Comparison Chart

Questions	CompassQuote No Exam	Transamerica	MetLife	Fidelity Life	Guarantee Trust Life
Is a Medical Exam Required?	No medical exam is required. You will be asked specific questions during an online health review.	No Medical Exam is required.	No Medical Exam is required.	No Medical Exam is required.	No medical exam is required.
How long will the application approval process take?	The online process takes less than a day (if you are qualified). You will receive a notice regarding the status of your application after you submit your information.	The underwriting process typically takes 5-7 business days.	The underwriting process typically takes under 24 hours after your phone interview.	Usually, Fidelity Life will provide a decision on your application within 24 hours.	The underwriting process typically takes 24-72 hours.
Will my Doctor have to send in a copy of my Medical History records?	Generally your doctor will not need to submit your information. In a few instances, the information on your application requires further medical clarification.	In a few instances, the information on your application requires further medical clarification.	In a few instances, the information on your application requires further medical clarification.	No. No medical files or information is required from your Doctor.	In a few instances, the information on your application requires further medical clarification.
Will an agent need to meet with me face-to-face?	No. The application process is handled online. You may contact one of our licensed agents by phone, should you have any questions. There are no high-pressure sales tactics.	No. Convenient internet and telephone contact is all that is involved. There are no high-pressure sales people to meet with.	No. Convenient internet and telephone contact is all that is involved. There are no high-pressure sales people to meet with.	No. Convenient internet and telephone contact is all that is involved. There are no high-pressure sales people to meet with.	No. The application process is handled online. You may contact one of our licensed agents by phone, should you have any questions.
How much paperwork is required from me in order to apply?	None. All of the information for your application is gathered directly from you online.	You will need to sign and mail/e-mail/fax a completed paper application.	None. All of the information for your application is gathered from you on this website and during a pleasant follow-up phone conversation with a licensed MetLife representative.	None. All of the information for your application is gathered from you on this website and during a pleasant follow-up phone conversation with a licensed Fidelity Life representative.	None. All of the information for your application is gathered directly from you online.
Coverage Amounts	Up to $500,000	Up to $99,999	Up to $500,000	Up to $300,000	Up to $250,000

Advantages

Through CompassQuote No Exam, you get quality coverage in less than a day, if you qualify. You don't need a medical exam — just complete a thorough online health assessment.

Features

• Competitive rates
• Excellent coverage options
• Convenience: in-force policy printable online (no direct agent contact necessary)
• Payment by credit card or electronic funds transfer (EFT)

Coverage Available

Product Features

Features of Transamerica No Medical Exam Term Life

Term Life Insurance no exam from Transamerica Life provides qualified applicants with coverage, generally within 1-7 days:

• Leval Death Benenit amounts from $25,000 to $99,999
• Guaranteed level premium periods of 10, 20, and 30 years.
• After the level premium period, policies renew on a yearly renewable term increasing premium schedule through age 94.
• Policies may be converted to a permanent plan of insurance designated for conversions any time during the first 10 policy years or prior to age 65, whichever comes first.

Accelerated Death Benefit (Included)

Beginning in policy year 3, the rider provides for an advance payment of up to 50% of the death benefit if the insured is diagnosed by a physician to have a life expectancy of 12 months or less. Death benefits are reduced by the advance plus interest. This benefit is included at no additional cost.

Issue Limits

The following chart outlines the Eligible ages for the no exam policies.

Product Features

Features of the Metlife Rapid eUnderwriting Processs

Term Life Insurance with no medical exam from MetLife provides qualified applicants with coverage, generally within 24 hours:

• Leval Death Benenit amounts from $100,000 - $500,000
• Guaranteed level premium periods of 10, 15, and 20 years.
• Applicant must be a U.S. citizen.
• Applicants must complete a phone interview with a Metlife representative (typically 20 - 40 minutes).
• After the level premium period, policies renew on a yearly renewable term increasing premium schedule through age 94.
• Policies may be converted to a permanent plan of insurance designated for conversions any time during the first 10 policy years or prior to age 65, whichever comes first.

Accelerated Death Benefit (Included)

Beginning in policy year 3, the rider provides for an advance payment of up to 50% of the death benefit if the insured is diagnosed by a physician to have a life expectancy of 12 months or less. Death benefits are reduced by the advance plus interest. This benefit is included at no additional cost.

Issue Limits

The following chart outlines the Eligible ages for the no exam policies.

Product Features

Features of "Rapid Decision" Term Life

Rapid Decision Term Life Insurance from Fidelity Life provides qualified applicants with coverage, generally within 24 hours; AND with No Medical Exam required.

• Level death benefit participating term life to age 95 in amounts up to $300,000.
• Guaranteed level premium periods of 10, 20, and 30 years.
• After the level premium period, policies renew on a yearly renewable term increasing premium schedule through age 94.
• Policies may be converted to a permanent plan of insurance designated for conversions any time during the first 10 policy years or prior to age 65, whichever comes first.

Accelerated Death Benefit (Included)

Beginning in policy year 3, the rider provides for an advance payment of up to 50% of the death benefit if the insured is diagnosed by a physician to have a life expectancy of 12 months or less. Death benefits are reduced by the advance plus interest. This benefit is included at no additional cost.

Dependent Child Rider (Optional)

Children of primary insured's ages 19 to 60 who are 15 days to 18 years old are eligible for coverage from $5,000 to $25,000. Coverage ceases when the child reaches age 23 or when the primary insured reaches age 65 or the policy terminates, whichever comes first.

Accidental Death Benefit (Optional)

This rider pays a benefit in the event of accidental death. The rider is available at issue, ages 20 through 60. The benefit amount is equal to the face amount of the policy.

Issue Limits

The following chart outlines the Maximum amounts of coverage at various age brackets.

*After your policy is issued, the coverage amount remains level for the guarantee period selected even as you get older. The chart above pertains only to your age on the date the policy is issued to you.

Features

• $25,000 to $250,000 of protection non-medical
• 10, 15, 20 or 30-year terms
• Affordable premiums
• Guaranteed rates
• Level-Term benefits
• Renewable at end of term up to the maximum age
• Convenient payment options
• Flexible payment schedule
• Fast. Easy. Simple
• 10-Minute application
• Easy to qualify
• No Medical exam
• No long forms or frustrating paperwork
• No waiting, No follow up
• No risk or obligation
• 30-day money-back guarantee