No Medical Exam Life Insurance Frequently Asked Questions

Q: What type of insurance is this?

A: This is Term Life Insurance, the type that many financial experts recommend to provide the highest amount of coverage at the lowest cost. With this plan, your rates are level meaning that they will not go up for the full term of the policy. At the end of that term, you have the option to renew the policy at the rates that apply at that time.

Q: Does this policy require a medical exam?

A: The policy does not require a medical exam, and no one will come test your blood or urine.

Q: Do the Rates Go Up?

A: No. The rates are guaranteed to remain level (or the same) for the original term of the policy.

Q: Can I Change my Beneficiary?

A: The beneficiary is the person who will receive payment if you die, and can be changed at any time.

Q: How will I be billed?

A: The premiums can be charged to your credit card, or directly deducted from your checking account.

Q: Can I cancel?

A: Yes, you can cancel at any time. From the date that you are covered, you have 30-days to review your policy and cancel for a full refund of the premium paid during the first month. You can also call at any time after that to receive instructions about submitting your cancellation request in writing, and there will be no future billing of premium.

Q: When is coverage effective?

A: You are covered as soon are you approved - often within minutes of applying.

Q: What is the Medical Information Bureau?

A: It is a confidential, not-for-profit database used by insurance companies throughout North America. The insurance company uses it to conduct a quick check of the medical information provided on your application to ensure that there is nothing in the database that conflicts with the answers you have provided to us. You can read more here.

Q: I am currently pregnant. What weight should be provided (pre-pregnancy or current)?

A: We request your weight immediately PRIOR to the current pregnancy.

Q: If I am a U.S. citizen that later leaves the country, am I still covered?

A: Yes. As long as you were a U.S. citizen when coverage was elected, you would be covered.

Q: Is this legitimate?

A: Yes, the insurance company is an "A+" rated carrier with over $250 million in policyholder surplus. They are simply more reasonable than other companies and respect the privacy of future prospects that are currently in good health.

Learn more about Term Life Insurance with No Medical Exams:

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