Our automated underwriting system utilizes an E-Application to provide an underwriting decision much quicker than the traditional underwriting process.
Life insurance companies have improved their "no exam" programs over the past few years. We have found that the following two programs work best: 1. Ages 18 to 49 - Up to $500,000 of coverage 2. Ages 50 to 69 - Up to $1,000,000 of coverage (labs completed with your PCP required in the past 18 months)
Although no exam is required, medical history is reviewed. We can tell you upfront if these programs are a fit or if completing an exam is a better option.
We offer over 50 alternative options for term and permanent coverage from fully underwritten to guaranteed issue policies up to $10,000,000.
