No Exam Insurance – Insurance Simplified

No Exam

Why No Exam??

Simple, Convenient and Fast
No Paper
No Paramed Exam
No Blood or Urine
No Attending Physician Statement (APS) Collection
Policies Approved/Issued/Delivered in 24-48 hours

Who is it For??

Desire to Purchase Online
Healthy and Want Coverage Fast
Don’t like Needles
Haven’t Been to the Doctor in a Few Years and Not sure what they might discover…..Do this First!!!!!

Traditional vs. No Exam

The Details

Insurance Company

Death Benefit

Requirements and Estimated Time Frame

Online Quoting

$250,000 – $5,000,000

E-Ticket, Online Health Questionnaire (2-5 Days)

Online quoting not available to the Insured, see Sample Quotes PDF and Contact Us for a Personalized Quote.

$100,000 – $1,000,000

E-Ticket, Telephone Interview (2-14 Days)

$100,000 – $1,000,000*

E-Ticket, Telephone Interview (2-14 Days)

$100,000 – $1,000,000*

E-Ticket, Telephone Interview (3-14 Days)

$100,000 – $1,000,000

E-Ticket, Telephone Interview (3-14 Days)

$100,000 – $1,000,000*

E-Ticket, Telephone Interview (3-14 Days)

$100,000 – $1,000,000

E-Ticket, Telephone Interview (3-14 Days)

Why These Companies??

As independent insurance agency, we have access to over 50 different life insurance companies but choose to focus our no exam program on these specific companies because of the 4 C’s:

Coverage Amount –
Company Strength –
Convertibility –
Competitive Pricing –

Medical Reasons for Not Qualifying

Cancer
COPD/Emphysema
Coronary Artery Disease
Crohn’s Disease
Epilepsy
HIV/AIDS
Oxygen Use for any reason
Prescription History
Undiagnosed medical condition that’s currently being evaluated
Untreated severe sleep apnea

Non-Medical Reasons for Not Qualifying

History of drugs or alcohol abuse
Bankruptcy in last 5 Years
History of DUI in the last 5 years
Felony conviction in the last 10 years
Multiple MVR violations in the last 3 years
Parent or Sibling Death before Age 65 because of cardiovascular disease or stroke

I apply but don't qualify, what's next?

Not everyone who applies will qualify for a no exam program. If you aren’t instantly approved for a no exam insurance policy, the underwriter (UW) will ask for one of the following:

UW needs clarification on one of your medical answers, no exam or APS collection
UW would like to collect your Attending Physicians Statements (APS), no exam
UW is recommending full underwriting (Insurance Physical and APS Collection)

If you aren’t sure if you’d qualify, we always recommend trying. If ultimately, the UW recommends full underwriting, then that’s the same place you would have been anyways. Applying is a no lose situation.