No Medical Life Insurance Quote

No Medical Exam Term Life Insurance is quick and easy. Policy issue times range from 3 weeks, to instant issue, depending on the company.
Policies are fully underwritten and include the checking of pharmacy reports that include all prescriptions in the last 5 years.

Up to what age?

A No Medical Life Insurance policies are available in terms of 10, 15, 20, and 30 years.

The insurance policy cost

With a No Medical Life Insurance policy you pay a bit more for the convenience of not having to undergo a medical exam.

Medical Exam

There is no medical exam required for this type of insurance policy.

National Life Group
No Medical Exam Companies
Companies and informationTime to issueAM best ratingCostHealth ClassesMaximum coverage

Sagicor Life Insurance Company
24 – 48 HoursA- (Excellent)Most CompetitivePreferred

American National Insurance Company
3 WeeksA (Excellent)Very CompetitiveStandard

United of Omaha Life Insurance Company
2 WeeksA+ (Superior)Very CompetitiveStandard

National Western Life Insurance Company
24 – 48 HoursA (Excellent)Well priced for those with minor health conditionsStandard

Life of the Southwest
Instant – 48 HoursA (Excellent)CompetitivePreferred

Transamerica Life Insurance Company
3 WeeksA+ (Superior)Hybrid Product Contains Living BenefitsStandard

Assurity Life Insurance Company
3 WeeksA- (Excellent)Well priced for those with minor health conditionsSuper Preferred

Fidelity Life Association
24 – 48 HoursA- (Excellent)CompetitiveStandard$250,000


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.

Your Current Age at IssueMaximum Coverage Amount Available*
16 to 45$300,000
46 to 55$200,000
56 to 65$100,000
66 to 75$25,000

*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.