Term Life Insurance

UPDATED: Mar 5, 2020

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Choose your flavor.

  • Lowest-cost life insurance
  • Up to $25M in coverage
  • More companies and options
  • May require an in-home exam*
  • No medical exam required*
  • Up to $1M in coverage
  • Faster application process
  • May require a phone interview 
  • Guaranteed approval
  • No health questions or medical exam
  • $50,000 – $500,000 in coverage
  • Online application, electronic signature
  • Coverage for accidental death only
  • Approval and activation within 1 day
  • Most of these policies require a free, in-home medical exam. The life insurance company pays for this.
  • Some of these policies may not require an exam, depending on the amount of coverage and your age.
  • These policies offer the widest range of coverage, from $25,000 to $25,000,000+.
  • Full underwriting takes anywhere from 4 – 6 weeks. This could be shorter if no exam is required.


What is Term Life Insurance?

  • These policies do not require an in-home medical exam. However, if you do not qualify for the no-exam process, an exam may be required to continue.
  • Accelerated underwriting can take anywhere from 3 days to 3 weeks.
  • These policies have limited coverage amounts, depending on your age. They range from $25,000 to $1,000,000.


What is No Medical Exam Term Life Insurance?

  • Accidental Death life insurance provides coverage if you die due to an accident.
  • There is no coverage for death due to natural causes.
  • Approval is guaranteed. You do not need to prove good health to qualify.
  • There are no medical questions to answer.
  • Coverage is available from $50,000 – $500,000.
  • Eligible ages are 20 – 70.
  • View policy exclusions here.


What is Accidental Death Life Insurance?