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What Is No Medical Exam Life Insurance?No medical exam policies are exactly what their name implies: they don’t require you to take a medical exam like traditional life insurance policies do. But, they provide the same guaranteed coverage as those that do require a medical exam. However, no medical or simplified issue policies are typically limited to lower coverage amounts. These policies are typically still fully underwritten with a complete medical questionnaire. Your background review could include the following:Pharmacy report, which lists all medications you’ve been prescribed over the last 5–10 yearsMotor Vehicle Department reportMedical Insurance Bureau report (to see if you’ve applied for or have been denied life insurance in the past)Credit history (only a few insurance companies check this)No Medical Exam Companies In DetailAbout 5 Star Life Insurance5Star Life Insurance Company (5Star Life), a related enterprise of the Armed Forces Benefit Association (AFBA), is a growing provider of supplemental and voluntary life insurance to the worksite/group markets.AFBA was established in 1947 with the support of the General of the Army, Dwight D. Eisenhower, to ease the strain on military members and their families during wartime. At that time, service members could not purchase life insurance that would pay a death benefit if the member was killed in a war zone.Founded in 1996, today 5Star Life insures over 800,000 lives with $41.8B insurance in force.True Blue CommentsThis product is sold like a group policy. You join the Health Depot Association to gain access to the product. The premium is guaranteed to stay level until you reach 100 years of age, though the coverage amount may decrease after 10 years. The policy is very easy to obtain with only a few health questions. This is a great product for individuals who want coverage quickly and want to avoid questions about smoking, diabetes, and weight.Product FeaturesFamily Protection PlanAvailable for ages 18 through 70Coverage amounts from $10,000 to $150,000Not available in NJ, NY, VT, WANo height/weight limitsNo smoking or diabetes questionsIncludes membership to the Health Depot AssociationIncludes a voice signatureOnly a few health questions to qualifyIf you’ve been declined by another life carrier, you are ineligibleCoverage amount is guaranteed for 10 years; may decrease thereafterMust be able to work at the time of the application: You are able to work and perform the normal activities of a person of like age and gender, and you are not confined to a hospital, at home or elsewhere due to injury or sickness on the date you sign this application.Included BenefitsEmergency Burial BenefitWithin 24 hours after receiving notice of an insured’s death, an emergency death benefit of the lesser of 50% of the coverage amount or $15,000 will be mailed to the insured’s beneficiary, unless the death is within the two-year contestability period and/or under investigation.Terminal IllnessThis plan pays the insured 30% (25% in Connecticut and Michigan) of the policy coverage amount in a lump sum upon the occurrence of a terminal condition that will result in a limited life span of less than 12 months.Optional BenefitsChildren & Grandchildren PlanPolicies can also be purchased for children and grandchildren, ages newborn through 23 years, for $1.15/week for a $10,000 policy or $2.30/week for a $20,000 policy.Family Protection Plan BrochureHealth Depot Association BrochureAbout American NationalAmerican National Insurance Company was founded in 1905 and has evolved into a well-respected member of the life insurance industry, offering both longevity and stability to its policyholders.Headquartered in Galveston, Texas, American National has more than 3,000 employees in offices in Galveston and League City, Texas; Springfield, Missouri; and Glenmont, New York. American National’s network of agents spans all 50 states and Puerto Rico, and provides service to more than 5 million policyholders.True Blue CommentsThe Signature Term product is a great product that offers “living benefits”—benefits you can use while still alive. The product is competitively priced, and the underwriters at American National do an amazing job of offering insurance to people with a medical history. The application is thorough and takes about 30 minutes to complete; the company may request medical records from your physicians in order to make a decision.Product FeaturesANICO Signature Term ExpressAvailable for face amounts up to $250,000Term lengths: 10, 15, 20, and 30 yearsNon-med underwriting from $50,000 to $250,000Includes accelerated benefit riders for terminal illness, chronic illness, and critical illnessUnderwriting Express facilitates 48-72 hour turnaround on approvalsRates are guaranteed to remain the same during the term lengthStandard and substandard classes onlyAvailable for ages 18 to 65 yearsElectronic applicationConversion credits available through 5th policy yearIncluded BenefitsAccelerated Benefit Rider for Terminal IllnessYou may have access to part of the death benefit of the policy when an illness or chronic condition is expected to result in death within 12 to 24 months, depending on state limitations.Accelerated Benefit Rider for Chronic IllnessYou may have access to part of the death benefit of the policy when unable to perform two out of six activities of daily living (bathing, continence, dressing, eating, toileting, or transferring) or there is cognitive impairment.Accelerated Benefit Rider for Critical IllnessYou may have access to part of the death benefit of the policy when diagnosed with any of a list of 16 critical illnesses.Optional BenefitsChildren’s Term RiderThis rider insures each child approved when the policy is issued and any subsequent children born or adopted while the rider is in force. The coverage expires on each child when he or she attains age 25, at which time the coverage may be converted to a permanent plan of insurance.Disability Waiver of PremiumYou may add an optional disability of premium rider at the time you apply for your policy, though it may not be available in all states.Signature Term BrochureBenefits and Riders BrochureAbout AssurityAssurity has long lived its mission of helping people through difficult times, with a heritage dating back to 1890.Being a mutual organization is important. It means Assurity has no shareholders or publicly traded stock, and that Assurity’s policyholders share in the ownership of the company. Ultimately, it means Assurity is in business to serve the interests of its policyholders.Assurity provides life insurance, disability and critical illness insurance, and voluntary employee benefits through independent brokers nationwide.True Blue CommentsAssurity’s NonMed 350 is a good term product from an excellent company. The application is taken over the phone and is signed digitally. The underwriting can take 2-4 weeks, and medical records may be requested in order to make a decision. The product is competitively priced for people who are in excellent health.Product FeaturesNonMed Term 350Issue ages 18-65 yearsFace amounts $50,000 to $350,000No medical exam. Medical records may be requested from doctorsThe policy is convertible to a permanent policy prior to two years before the end of the term period, or when the insured reaches the age of 65Term periods: 10, 15, 20, and 30 yearsApplication can be completed in 20-30 minutesApplications can be signed digitallyPolicies typically take 2-4 weeks to issueIncluded BenefitsAccelerated Death BenefitThis rider provides an optional accelerated payment of life insurance proceeds to an insured who is terminally ill or expected to live in a nursing home until death.The eligible life insurance proceeds are equal to a percentage of the policy face amount or up to a total of $250,000 from all policies and riders on the insured issued by this company.This rider will be attached only at the time of issue if approved in your state. There is no premium charged for this benefit.Conversion OptionLifeScape NonMed Term 350 is convertible during the conversion period, which begins on the issue date of the policy and ends on the earlier of:one year prior to the end of the level term period for the 10-year plan, ortwo years prior to the end of the level term period for the 15-, 20-, and 30-year plans, orthe policy anniversary on which the insured has attained age 65If the entire policy is converted, the policyowner will receive a conversion credit equal to the base premium paid during the first policy year. The conversion credit will be prorated for partial conversions.Optional BenefitsAccident-only Disability Income Benefit RiderProvides a monthly benefit if the insured becomes totally disabled as the result of a covered accident.“Total disability” is a condition resulting from an accidental injury and independent of all other causes that keep the insured from doing the important, substantial, and material duties of his or her own occupation and requires a physician’s care unless the insured has reached the maximum point of recovery.Children’s Term Insurance RiderProvides level-term insurance to age 25 on the insured’s children who are listed on the original application and children born to or adopted by the insured while the policy and this rider are in force.Critical Illness Benefit RiderAvailable in lump-sum benefit amounts from $20,000 to $100,000 and may not exceed the term face amount for the base insured or other insured. Assurity will pay a benefit if an insured person receives a first-ever diagnosis or procedure for one of the specified critical illnesses listed on the rider.NonMed Term 350 BrochureAbout FidelityFidelity Life Association was founded in 1896 as Mystic Workers of the World, a fraternal benefit society designed to provide financial protection for the growing middle class of the Midwest and Northern states.As Middle America grew, so did the organization. By 1915, life insurance in force reached $100 million. In 1929, the organization increased its assets by nearly 100 percent during the worst decade in U.S. financial history. Though it remained a fraternal benefit society, the organization changed its name to Fidelity Life Association in 1930. For the next few decades, Fidelity’s assets and the number of customers it served continued to grow.Today, Fidelity Life is a well-capitalized life insurance company licensed to do business in all states except Wyoming and New York, with over $26 billion of life insurance in force. Fidelity is organized as a stock life insurance company subsidiary of Lifestory Interactive, with Members Mutual Holding Company as its ultimate parent. This organizational relationship provides Fidelity Life greater operational flexibility and access to capital. The company has a risk-based capital ratio that ranks in the top 10 percent of the U.S. life insurance industry and is rated A- (Excellent) by A.M. Best.True Blue CommentsThe Fidelity Rapid Term Express policies are very easy for both customers and agents to complete. Because the underwriting process does not include requesting medical records, policies are issued/approved within 48 hours.Product FeaturesRapid Decision ExpressIssue ages: 18-65 yearsFace amounts: $25,000 to $250,000No medical exam. No blood test, no urine test, no requests for medical recordsMIB, MVD, and pharmacy records are checkedTerm periods: 10, 15, 20, and 30 yearsApplication can be completed in 10-15 minutesApplications can be signed digitallyOnly Standard health class available. Standard non-nicotine, Standard nicotineApprovals within 24-48 hoursIncluded BenefitsAccelerated Death BenefitAdvances up to 50% of the death benefit upon proof that the insured has a life expectancy of 12 months or less. Payable 2 years after issue. Varies by state.Optional BenefitsDependent Child RiderOffers children of the primary insured (aged 20 to 60 years) who are 15 days to 18 years old 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 (ADB) RiderPays a benefit in the event of accidental death. It’s available at issue ages 20-65, in benefit amounts up to $250,000, and expires at age 80.Rapid Term Express BrochureAbout North AmericanAs one of the leading providers of life insurance and annuities in the United States, North American has continuously fulfilled commitments to its customers since 1886. Families and businesses alike have counted on North American to be there for them during their most challenging times, and to help prepare them for the good times ahead. North American has been doing this for nearly 130 years through outstanding customer service, competitive insurance and retirement solutions, and a foundation of financial strength. This unwavering commitment helps North American’s customers focus on the things that matter most to them.True Blue CommentsThe North American LifeVue product is unique in the insurance industry. North American offers a guaranteed level product that is taken over the phone via a fully digital application. As soon as the application has been completed over the phone, an underwriting decision is made then and there. Customers can digitally sign the policy and receive the official policy via digital download. In addition to being instant issue, the LifeVue product is one of the most competitively priced no medical products on the market. It’s one of the best products we have from an A++ rated company.Product FeaturesNorth American LifeVueAvailable for ages 18 through 50Term lengths: 15, 20, and 30 yearsCoverage amounts: $50,000 up to $500,000For rates, age is determined by the nearest birthdayTobacco users can qualifyAvailable in all states except New York and CaliforniaApplication is taken over the phoneInstant underwriting decisions; policies are issued the same dayPolicy delivered electronically via emailThis policy’s underwriting checks background information and financial history via public recordsIncluded BenefitsAccelerated Death BenefitYou may elect to receive advancement of the policy’s death benefit when the insured has a terminal illness while the policy is in effect. An insured qualifies as being terminally ill if a physician/medical practitioner has certified that the insured’s life expectancy is 24 months or less. The amount available for the accelerated death benefit varies by state and can be up to 75% of the death benefit.Conversion OptionThe LifeVue term product is convertible to a whole life policy in years 1-5.North American LifeVue BrochureAbout Phoenix LifeFounded in 1851, The Phoenix Companies, Inc. offers annuities and life insurance designed to meet income and protection needs of families and individuals planning for or living in retirement. Products are available primarily through independent agents and financial professionals.Phoenix’s life insurance products offer a spectrum of death benefit protection, living benefits in case of critical, chronic, or terminal illness, and unique options for leaving a legacy to young beneficiaries, such as college tuition assistance and annual birthday gifts. Cash value accumulation features provide flexibility to meet a variety of needs. The company’s long history of product innovation drives ongoing development of competitive offerings for today’s marketplace.True Blue CommentsPhoenix’s Simplified Issue Safe Harbor Term product is arguably the best-priced no exam term life product when you factor in the living benefits that are included. The application is fully digital, and the Express product is issued in just 24 hours. The product is a great fit for many people.Product FeaturesSI – Safe Harbor TermAvailable for ages 18 through 80 for 10-year termTerm lengths: 10, 15, 20, and 30 yearsCoverage amounts: $50,000 up to $500,000Included living benefits for critical illness, chronic illness, and terminal illnessThe Safe Harbor Term product typically takes 7-14 days to issue. The Safe Harbor Term Express product is issued the same day (Standard to table 4 rating health class)The 20-year term product is convertible to a permanent policy within the first 10 yearsApplication taken over the phone (takes about 25 minutes) and signed digitallyMVD, MIB, and pharmacy records are checked during underwriting, and medical records may be requested. No medical records requested for the Express productIncluded BenefitsChronic Illness BenefitGives you the option to receive a portion of your death benefit early if you are certified by a physician as being unable to perform at least two activities of daily living (bathing, continence, dressing, eating, toileting, or transferring), or if you require substantial supervision due to severe cognitive impairment.Critical Illness BenefitGives you the option to receive a portion of your death benefit early if you are diagnosed with a heart attack or stroke, cancer, renal failure, or ALS, or need a major organ transplant.Terminal Illness BenefitGives you the option to receive 95% of your death benefit early if you are diagnosed as terminally ill with a life expectancy of one year or less.Optional BenefitsUnemployment RiderWaives 6 months’ worth of premium in the event you become unemployed for at least 4 weeks.Automatically included, at no additional cost, for issue ages 18-60You must exercise this rider within 90 days of qualificationYou must be receiving state or federal unemployment benefits to qualifyWaiting period of 24 months from date of issue appliesOne-time electionTerminates at age 65 and at end of term periodAccidental Death Benefit RiderPays an additional lump sum death benefit upon insured’s death if such death occurs by covered accident.Additional premium requiredMust be elected at issueInsured must be under age 65 at issueTerminates at insured’s age 70Maximum benefit of $250,000Phoenix Safe Harbor Term BrochureAbout SagicorSagicor Life Insurance Company is a full-service life insurance company that helps clients make wise financial decisions today to ensure that they’re protected tomorrow. Licensed in 45 states and the District of Columbia, Sagicor is rated A- (Excellent) by A.M. Best (4th-best out of 16 possible ratings). This rating is based on Sagicor’s financial strength and ability to meet its ongoing obligations. Sagicor is a wholly owned subsidiary of Sagicor Financial Corporation, one of the oldest insurance groups in the Americas, with operations in 22 countries, mainly in the United States, Latin America, and the Caribbean. Sagicor is committed to offering customers world-class service with integrity and value.True Blue CommentsSagicor’s Sage Term product is the leader in the no medical exam life insurance market. The application can be taken over the phone in about 20 minutes, or you can complete most of the application online.You can sign the application digitally, and your policy can be delivered digitally when it is issued.The Sage Term product is convertible to the Sage No Lapse Universal Life product, which is one of the best permanent policies in the market. It can be converted at any time during the guaranteed coverage period.Product FeaturesSagicor Simplified Issue Term Life InsuranceIssue age: 18-65 yearsFace amounts: $50,000 to $500,000Preferred non-tobacco, Standard non-tobacco, Preferred tobacco, Standard tobacco and Substandard health classesNo medical exams, body fluids or APS (attending physician statements)Application can be completed in 20-25 minutesPolicies issued within 1-7 business daysIncluded BenefitsAccelerated Benefit Insurance RiderIncluded at no additional cost, the accelerated benefit insurance rider will help cover medical costs or nursing home care by allowing you to use a portion of the death benefit in the event of a terminal condition diagnosis or confinement to a nursing home facility. The benefit received is the lesser of 50% of the policy face amount or $300,000.Nursing Home ConfinementAccelerated benefit will be paid if the covered person has been continuously confined to a nursing home facility for 180 days and is expected to remain confined until his or her death. Monthly payments will be made to the owner.Conversion OptionConversion to a permanent life policy is available prior to policy anniversary following the insured’s 70th birthday.Spousal DiscountWhen both spouses purchase policies, one of the policies receives a $35 discount.Optional BenefitsChildren’s Term RiderProvides term life insurance protection for your children, age 15 days to 19 years, and remains in force for each child until the earlier of age 25 or marriage. If eligible, at the end of the term period the benefit may be converted to a qualified permanent life insurance policy for up to five times the original amount, regardless of the child’s current health. (Available on fully underwritten applications only.)Accidental Death Benefit RiderIf the insured dies due to an accident, as defined in this rider, beneficiaries will receive an additional death benefit.Waiver of Premium RiderWaives the premium payments if the primary insured becomes totally disabled for at least six months. If the total disability ceases, simply resume making premium payments.Sage Term BrochureAbout TransamericaIn 1928, Giannini merged with Bank of America, and in 1930 acquired Occidental Life Insurance Company through Transamerica Corporation. The banking and life insurance businesses separated in 1956, with the latter taking the Transamerica name. In 1972, the now iconic Transamerica pyramid claimed its place in the San Francisco skyline.Transamerica is one of the world’s leading financial services companies, providing insurance, investments, and more to 27 million customers.True Blue CommentsThe Transamerica Trendsetter LB (living benefits) product is one of the best products in the industry. The application is longer than others, and some questions may surprise you, but the quality of the product is worth it.Product FeaturesTrendsetter LBIssue ages: 18-60 yearsFace amounts: $25,000 to $249,999No medical exam. Medical records may be requested from doctorsTerm periods: 10, 15, 20, 25, and 30 yearsAutomatically included riders: Chronic Illness, Critical Illness, and Terminal IllnessApplication can be completed in 30-40 minutes by phonePolicies can take up to 30 business days to be approvedIncluded BenefitsChronic IllnessFor the purpose of this rider, a chronic illness is defined as being unable to perform two of six Activities of Daily Living (bathing, continence, dressing, eating, toileting, and transferring) without assistance, or being severely cognitively impaired for a period of at least 90 days.Critical IllnessFor this rider, you may be considered critically ill if you’ve been diagnosed with a health condition such as a heart attack, a stroke, cancer, end-stage renal failure, ALS, blindness or paralysis resulting from specific underlying conditions, or you require a major organ transplant.If you live in California, critically ill means you’ve been diagnosed after the rider date with a medical condition that would, in the absence of treatment, result in your death within 12 months.Terminal IllnessFor this rider, you are considered to be terminally ill if you have a life expectancy of 12 months or less.Optional BenefitsChildren’s Insurance RiderProvides insurance on all children of the insured. Each unit is equal to $1,000 of level term insurance. Coverage on each child expires on the child’s 25th birthday. The rider terminates at the anniversary when the insured is age 65.Monthly Disability Income RiderProvides a monthly income for up to 24 months (2 years), if the rider insured is totally disabled and qualifies. Total disability means the inability of the rider insured to perform the substantial and material duties of his or her regular occupation for which he or she is reasonably suited by education, training, or experience.Income Protection OptionProvides a settlement option that is fixed via a Fixed Settlement Endorsement.Waiver of Premium Benefit RiderIn the event of total disability, before the policy anniversary nearest the insured’s age 60, and after the total disability has continued uninterrupted for a waiting period of no less than six months, premiums will be waived retroactively from the beginning of the disability. Premiums will continue to be waived for the duration of the total disability.Among other reasons, premiums will not be waived if the disability results directly or indirectly from intentionally self-inflicted injury(ies), from participation in insurrection, or from war or any act of war.Accident Indemnity RiderPays an additional death benefit if the insured dies as a result of an accidental bodily injury. Double the additional amount is payable if the accidental bodily injury occurs while the insured is a fare-paying passenger on a common carrier. Death must occur within 90 days from the accident and before the insured is age 70. The insured cannot be engaged in a hazardous occupation, as determined by the company.Trendsetter LB BrochureAbout United of OmahaFor more than a century, Mutual of Omaha Insurance Company (Mutual of Omaha) has been there to keep its promises to customers. The company is strong, stable, secure, and ready to meet your insurance and financial needs.Through good times and bad, you can have confidence in Mutual of Omaha.A subsidiary of mutual insurance giant Mutual of Omaha, United of Omaha Life Insurance offers a range of protection and retirement products to employer groups and individuals, including life insurance, fixed annuities, and related financial products and services in all states but New York (where sister firm Companion Life Insurance Company of New York operates).True Blue CommentsTerm Life Express is an amazing product that provides more living benefits than any other policy included at no cost. The product is only offered at the standard/regular health class and has one of the most liberal build charts in the industry. United/Mutual of Omaha is a great company with extremely high ethical standards. Most policies are issued either immediately or within 10 days.Product FeaturesTerm Life ExpressIssue ages: 18-65 yearsFace amounts: $25,000 to $300,000, ages 18-50; $25,000 to $250,000, ages 51-65No medical exam. Medical records may be requested from doctorsStandard non-tobacco and Standard tobacco health classesTerm periods: 10, 15, 20, and 30 yearsAutomatically included riders: Terminal Illness, Chronic Illness, and Critical Illness, Residential Damage, Waiver of Premium for Unemployment, Common Carrier Death Benefit ProvisionApplication can be completed in 20-25 minutes by phoneA policy with a 5-year premium guarantee is available, but we do not sell it. We only sell the policies that are guaranteed level for the full termPolicies typically take 1-10 days to issueIncluded BenefitsChronic Illness RiderProvides an accelerated death benefit if the insured is certified by a physician within the last 12 months as unable to perform two of six Activities of Daily Living (ADLs) for 90 consecutive days, or requires substantial supervision to protect himself or herself from threats to health and safety due to severe cognitive impairment.Terminal Illness RiderProvides an accelerated death benefit if the insured provides evidence that his or her life expectancy is 12 months or less.Critical Illness RiderProvides an accelerated death benefit if the insured has been certified by a physician as having one or more of the following conditions within the last 12 months: ALS, kidney failure, life-threatening cancer, major organ failure, heart attack, or stroke.Residential Damage RiderIf the insured’s primary residence sustains $25,000 or more of damage, the premium of the base policy and all riders are waived for one six-month period.Waiver of Premium for Unemployment RiderIn the event of qualifying unemployment, United of Omaha waives the premium for the base plan and all riders for one six-month period.Common Carrier Death Benefit ProvisionIf the insured dies in an accident while he or she is a fare-paying passenger on a common carrier (e.g., airplane, train, or bus), this rider provides an additional death benefit equal to 100 percent of the original face amount or $250,000, whichever is less.Optional BenefitsDisability Income RiderWith this rider, the insured can apply (at issue) for a maximum monthly disability income benefit equal to the lesser of:1.5 percent of the face amount at issue, or$3,000 per month, or60 percent of his or her monthly gross incomeThe insured can apply for either an 18- or 30-month benefit. The monthly income amount and the benefit period cannot be changed after issue. The elimination period is 90 days.** In Maryland, there’s a 120-day elimination period.Availability may vary by product.Disability Waiver of Premium RiderIf the insured becomes disabled and is unable to work, the premium for the base policy and all riders is waived through the level period. The elimination period is 90 days.** This benefit continues as long as the insured is disabled. If the insured does not become disabled prior to the earlier of the end of the level period or age 60, the benefit is no longer available.**In Maryland, there’s a 120-day elimination period.Accidental Death Benefit (ADB) RiderThis rider can only be added at issue, and the issue age of the base insured must be 18 to 55. The rider terminates and the premiums stop at the earlier of: the end of the level period, or the anniversary date of the policy following the insured reaching age 65. The benefit amounts available are based on the issue age of the base insured and are as follows:Minimum ADB amount: $10,000Maximum ADB amount: issue ages 18-25: $100,000; issue ages 26-55: $250,000 (or the face amount, if less)Dependent Children’s RiderCan be added at issue only and is available for the base insured only. Face amounts are $5,000 and $10,000. The rider terminates and the premiums stop at the earlier of: the anniversary date after the insured reaches age 65, when the youngest child reaches age 23, or when the base policy terminates.Accident Indemnity RiderPays an additional death benefit if the insured dies as a result of an accidental bodily injury. Double the additional amount is payable if the accidental bodily injury occurs while the insured is a fare-paying passenger on a common carrier. Death must occur within 90 days from the accident and before the insured is age 70. The insured cannot be engaged in a hazardous occupation, as determined by the company.

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