Life Insurance With No Exam

Various companies have been coming out with options for your clients to obtain insurance WITHOUT requiring a paramed exam.  They do need to have decent medical records with lab results available from their doctor in many cases.  None of the companies guarantee that no labs are needed so they can be requested at the underwriter’s discretion or automatically with certain underlying health conditions.  Don’t hesitate to contact us to discuss a case that does not require an exam.  Here are some examples of what the companies are doing:

  • Ameritas
    • Ages 18-60 up to $ 1mil
  • John Hancock
    • Ages 18-65 up $5 mil
    • Ages 66-70 up to $3 mil
  • National Life
    • Ages 18-50 up to $3 mil permanent products
    • Ages 18-50 up to $2 mil term
    • Ages 51-60 up to $1 mil all products
    • Ages 61-65 up to $250K all products
  • Prudential
    • PruFast Track application now available up to $3 mil.  No medical if risk qualifies
    • Ages 18-60, requires an application and phone interview.
  • Security Mutual
    • Ages 18-60 up to $1 mil
  • William Penn
    • Ages 20-50 up to $2 mil with doctor visit in the last 24 months
    • Ages 51-60 up to $1 mil with doctor visit in the last 18 months
    • Ages 61-65 up to $1 mil with doctor visit in the last 12 months
    • Agest 66-70 up to $500K with doctor visit in the last 6 months
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