No Medical Exam Term Life Insurance Quotes
No Medical Exam Details
No medical exam term life insurance goes by many names such as simplified issue and accelerated underwriting. The policies we offer do not require a medical exam. However, you will need to answer questions about your health and medical history on the application.
If you do not qualify for the no medical exam process due to health or other reasons, the life insurance company may require you to complete an in-home exam to continue. This is rare and happens only about 15 percent of the time.
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Company and Plan Information
American General Life Insurance Company
Policies issued by American General Life Insurance Company (AGL), Policy Form Numbers ICC16-16901, 16901, ICC16-16900 and 16900. AGL is responsible for financial obligations of insurance products and are members of American International Group, Inc. (AIG). Products may not be available in all states and product features including rates may vary by state. All guarantees and benefits of the insurance policy are backed by the claims-paying ability of the issuing insurance company. They are not backed by the broker/dealer and/or insurance agency selling the policy, nor by any of their affiliates, and none of them makes any representations or guarantees regarding the claims-paying ability of the issuing insurance company.
Banner Life Insurance Company (L & G)
Legal & General America life insurance products are issued by Banner Life Insurance Company, Urbana, MD and William Penn Life Insurance Company of New York, NY, NY. Banner is licensed to do business in 49 states and the District of Columbia. William Penn does business exclusively in New York; Banner does not solicit business there. LAA1978 (05-15) 15-209. OPTerm Series Policy Form Banner - OP100218, Banner - OP150218, Banner - OP200218N, Banner - OP200218S, Banner - OP250218N, Banner - OP250218S, Banner - OP300218N, Banner - OP300218S.
John Hancock Life Insurance Company
Insurance products are issued by John Hancock Life Insurance Company (U.S.A.), Boston, MA 02210 (not licensed in New York) and John Hancock Life Insurance Company of New York, Valhalla, NY 10595. Policy Form Series: ICC16 2017TERM, 2017, Term Rider Form Series: 17UPR,S128-6,S134-1. www.johnhancockinsurance.com
Lincoln National Life Insurance Company
Lincoln LifeElements® Level Term (2017) — 03/12/18 is issued on policy form TRM6063 and state variations by The Lincoln National Life Insurance Company, Fort Wayne, IN, and distributed by Lincoln Financial Distributors, Inc., a broker-dealer. The Lincoln National Life Insurance Company does not solicit business in the state of New York, nor is it authorized to do so. All guarantees and benefits of the insurance policy are subject to the claims-paying ability of the issuing insurance company. They are not backed by the broker-dealer and/or insurance agency selling the policy, or any affiliates of those entities other than the issuing company affiliates, and none makes any representations or guarantees regarding the claims-paying ability of the issuer. Products, riders and features are subject to state availability. Limitations and exclusions may apply. Not available in New York. Check state availability.
North American Company for Life and Health Insurance
ADDvantage plans are issued on policy form series LS174, Accelerated Death Benefit Endorsement is issued on form series LR474, Children’s Term Insurance Rider is issued on form series LR456, Waiver of Term Premium for Disability Rider is issued on form series LR472; or state variations by North American Company for Life and Health Insurance, Administrative Office, One Sammons Plaza, Sioux Falls, SD 57193. Product, features, riders, endorsements or issue ages may not be available in all jurisdictions. Limitations and restrictions may apply.
Pacific Life Insurance Company
Pacific Life refers to Pacific Life Insurance Company and its affiliates, including Pacific Life & Annuity Company. Insurance products are issued by Pacific Life Insurance Company in all states except New York and in New York by Pacific Life & Annuity Company. Product availability and features may vary by state. Each insurance company is solely responsible for the financial obligations accruing under the products it issues. Insurance products and their guarantees, including optional benefits and any crediting rates, are backed by the financial strength and claims-paying ability of the issuing insurance company.
Principal National Life Insurance Company
Principal National Life Insurance Company and Principal Life Insurance Company, Des Moines, IA 50392 Insurance issued by Principal National Life Insurance Co. (except in NY) and Principal Life Insurance Co. Principal National and Principal Life are members of the Principal Financial Group®, Des Moines, IA 50392. All guarantees and benefits of the insurance policy are backed by the claims-paying ability of the issuing insurance company. They are not obligations of, nor backed by, the broker/dealer and/or insurance agency selling the policy, nor by any of their affiliates, and none of them makes any representations or guarantees regarding the claims-paying ability of the issuing insurance company. Principal National Life Insurance Company Policy Form: ICC17 SN 104, Rider Forms: SN 2, SN 3, SN 4, SN 5, SN 42 and ICC17 SN105.
Protective Life Insurance Company
Protective Classic Choice Term, policy form number ICC16-TL 21/TL-21, and state variations thereof is a level death benefit term life insurance policy to age 90, issued by Protective Life Insurance Company, Birmingham, AL. Policy form numbers, product features, and availability may vary by state.
Consult policies for benefits, riders, limitations, and exclusions. Subject to underwriting. Up to a two-year contestable and suicide period. Benefits adjusted for misstatements of age and gender. In Montana, unisex rates apply. Premiums increase annually after the initial guaranteed premium period. All payments and guarantees are subject to the claims-paying ability of Protective Life Insurance Company.
Prudential (Pruco) Life Insurance Company
Term Essential (PLTIC-2016 or ICC16 PLTIC-2016) is issued by Pruco Insurance Company in all states except New York, where they are issued by Pruco Life Insurance Company of New Jersey. Both are Prudential Financial companies located in Newark, NJ. Each is solely responsible for its own financial condition and contractual obligations. The contract numbers may be followed by a state code. Not available in all states. The form number for the Accidental Death Benefit is TB 113-2000; the Waiver of Premium is TB 100-2000; and the Children’s Protection Rider is TB 182-2000.
Transamerica Life Insurance Company
Trendsetter® Super Series are term life insurance policies issued by Transamerica Life Insurance Company, Cedar Rapids, IA. Policy Forms ICC17 TL22, TL22 0417, issued by Transamerica Life Insurance Company. Premiums increase annually for Trendsetter Super YRT, and beginning in year 11 for the 10- year policy, in year 16 for the 15-year policy, in year 21 for the 20-year policy, in year 26 for the 25-year policy, and in year 31 for the 30-year policy. Policy forms and numbers may vary, and these policies and the riders may not be available in all jurisdictions. Insurance eligibility and premiums are subject to underwriting. In most states, in the event of suicide during the first two policy years, death benefits are limited only to the return of premiums paid.
United of Omaha Life Insurance Company
United of Omaha Life Insurance Company is a Mutual of Omaha Company and is responsible for its own financial and contractual obligations. Base plan riders and product features may not be available in all states. These policies have exclusions, limitations and reductions. For costs and complete details of coverage, call or write your insurance agent. Policy Forms: Term Life 10 – 6179L-0696. Term Life 15 – 6181L-0696. Term Life 20 – 6182L-0696. Term Life 30 – 7064L-0203. Policy Exclusions: The policy’s face amount will not be paid if your death results from suicide, while sane or insane, within two years of the date of issue.
All insurance quotes and products offered through QuickQuote Financial, licensed agency and Timothy S. Bain, licensed agent.
Premium rates quoted are current as of this date, as provided by our partner insurance companies. The premium rates shown are for quoting purposes only and are not an offer of coverage nor are they a guarantee of final premium rates for your policy. Final premium rates will be determined by the insurance company and are based on individual circumstances. As a result of underwriting, final premium rates may differ from quoted premium rates. Although we strive for 100% quoting accuracy, occasional quoting errors may occur.
QuickQuote Financial, Inc. is a licensed independent broker operating in 49 states and the District of Columbia. We represent our customers and are contracted to market the insurance products of several different insurance companies. QuickQuote Financial, Inc. does not contract with outside agents or brokers. Your insurance application process will be handled by employees of QuickQuote Financial, Inc., contracted partners, and the life insurance companies.
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