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Get Term Life Insurance with
No Exam!

One Seamless Process, Three Possible Pathways:
You Apply, We Do the Rest

We offer choices for a customizable approach to underwriting. With our streamlined underwriting, your application is intelligently routed for the least invasive underwriting method possible. For example, if your application is first considered for accelerated and they do not qualify, it is automatically considered for modified underwriting where a physical with full lab work within the past 12 months from your doctor is required. If you don’t qualify for the modified underwriting pathway, you’re automatically pivoted to traditional underwriting.

Accelerated

No medical exams,* No attending physician statement (APS)
  • Up to $3M single life coverage, ages 18-60
  • Standard or better risk class
  • Optimized with eApplication or eTicket
  • Choice of online or phone health history with eApplication†

Modified

Physical with labs required within the past 12 months
  • Up to $10M of single or survivorship coverage, ages 18-70
  • All risk classes including substandard
  • All application methods
  • Choice of online or phone health history with eApplication or paper application†

Traditional

We’ll notify you of any additional requirements for your application
  • All ages, all face amounts
  • All application methods
  • Choice of online or phone health history with eApplication or paper application†
* The issuance of the policy may depend upon answers to the health questions contained in the application.
 eTickets require phone health history.

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