Questions
And Companies
Is a medical exam required?How long will the application approval process take?Will my doctor have to send in a copy of my medical history records?What will underwriting look at?Coverage amounts

No medical exam is required for policies $150,000 and under. Must be employed.Policies are instantly approved and issued.No. No medical files or information is required from your doctor.

  • No MIB, Rx or MVR check
  • No smoking question
  • No diabetes question
  • No build chart

$10,000 – $100,000

No medical exam is required.Policies are reviewed by underwriters. 48 – 72 hour approvals in best case. Possibly. Underwriters may request doctors’ records.

  • MVD (Motor Vehicle Department records)
  • MIB (Medical Insurance Bureau)
  • RX (pharmacy records)

$50,000 – $250,000

No medical exam is required.Policies are reviewed by underwriters. 1 – 2 weeks.Possibly. Underwriters may request doctors’ records.

  • MVD (Motor Vehicle Department records)
  • MIB (Medical Insurance Bureau)
  • RX (pharmacy records)

$50,000 – $350,000

No medical exam is required.Usually, Fidelity Life will provide a decision on your application within 24 hours.No. No medical files or information is required from your doctor.

  • MVD (Motor Vehicle Department records)
  • MIB (Medical Insurance Bureau)
  • RX (pharmacy records)

Up to $250,000

No medical exam is required.Policies are issued the same day.No. No medical files or information is required from your doctor.

  • MVD (Motor Vehicle Department records)
  • MIB (Medical Insurance Bureau)
  • RX (pharmacy records)
  • Credit/background check

$50,000 – $500,000

No medical exam is required.Policies take from 1 to 25 days, depending on whether doctors’ records are requested.Possibly. Underwriters may request doctors’ records.

  • MVD (Motor Vehicle Department records)
  • MIB (Medical Insurance Bureau)
  • RX (pharmacy records)

$50,000 – $500,000

No medical exam is required.Polices are typically issued in 1 – 7 days.
No. No medical files or information is required from your doctor.

  • MVD (Motor Vehicle Department records)
  • MIB (Medical Insurance Bureau)
  • RX (pharmacy records)

$50,000 – $500,000

No medical exam is required.Policies are reviewed by underwriters. 2 – 4 weeks.Possibly. Underwriters may request doctors’ records.

  • MVD (Motor Vehicle Department records)
  • MIB (Medical Insurance Bureau)
  • RX (pharmacy records)

$25,000 – $249,999

No medical exam is required for policies under $250,000.Policies are reviewed by underwriters. 1 – 2 weeks.Possibly. Underwriters may request doctors’ records.

  • MVD (Motor Vehicle Department records)
  • MIB (Medical Insurance Bureau)
  • RX (pharmacy records)

$50,000 – $250,000

No medical exam is required, depending on health history.Policies are reviewed by underwriters. 1 – 2 weeks.Possibly. Underwriters may request doctors’ records.

  • MVD (Motor Vehicle Department records)
  • MIB (Medical Insurance Bureau)
  • RX (pharmacy records)

$100,000 – $500,000