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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.Digital underwriting. Polices can be issued in one day.
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 $400,000

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.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.Digital underwriting. Same day approval process.No. No medical files or information is required from your Doctor.
  • MVD (Motor Vehicle Department Records)
  • MIB (Medical Insurance Bureau)
  • RX (Pharmacy Records)

$25,000 – $350,000

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)

Up to $250,000

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 $300,000

No Medical Exam is required for policies under $250k.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.Polices can be issued in one day.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

Product Features

Features of “Rapid Decision” Term Life

Rapid Decision Term Life Insurance from Fidelity Life provides qualified applicants with coverage, generally within 24 hours; AND with No Medical Exam required.

  • Level death benefit participating term life to age 95 in amounts up to $300,000.
  • Guaranteed level premium periods of 10, 20, and 30 years.
  • After the level premium period, policies renew on a yearly renewable term increasing premium schedule through age 94.
  • Policies may be converted to a permanent plan of insurance designated for conversions any time during the first 10 policy years or prior to age 65, whichever comes first.

Accelerated Death Benefit (Included)

Beginning in policy year 3, the rider provides for an advance payment of up to 50% of the death benefit if the insured is diagnosed by a physician to have a life expectancy of 12 months or less. Death benefits are reduced by the advance plus interest. This benefit is included at no additional cost.

Dependent Child Rider (Optional)

Children of primary insured’s ages 19 to 60 who are 15 days to 18 years old are eligible for coverage from $5,000 to $25,000. Coverage ceases when the child reaches age 23 or when the primary insured reaches age 65 or the policy terminates, whichever comes first.

Accidental Death Benefit (Optional)

This rider pays a benefit in the event of accidental death. The rider is available at issue, ages 20 through 60. The benefit amount is equal to the face amount of the policy.

Issue Limits

The following chart outlines the Maximum amounts of coverage at various age brackets.

  • Your Current Age at Issue

  • 16 to 45
  • 46 to 55
  • 56 to 65
  • 66 to 75
  • Maximum Coverage Amount Available*

  • $300,000
  • $200,000
  • $100,000
  • $25,000

*After your policy is issued, the coverage amount remains level for the guarantee period selected even as you get older. The chart above pertains only to your age on the date the policy is issued to you.

Sagicor Simplified Issue Term Life Insurance

  • Issue Age 18 – 65 Years
  • Face Amounts $50,000 to $400,000
  • Five Risk Classifications
  • Brief Telephone Underwriting Interview
  • No medical exams, body fluids or APS (Attending Physician Statements)
  • A decision in as little as 15 minutes

Accelerated benefit insurance rider

Included at no additional cost, the Accelerated Benefit Insurance Rider 3 helps cover medical costs or nursing home care by allowing you to use a portion of the Death Benefit in the event of a Terminal Condition diagnosis or Nursing Home Facility Confinement. The benefit received is the lesser of 50% of the policy face amount or $300,000.

National Life Group Insurance and Life Insurance of the Southwest

  • Available for ages 18 through 60
  • Term lengths: 10, 15, 20, and 30 years
  • Coverage Amounts: $25,000 up to $350,000
  • Tobacco users can qualify
  • Available in all states except New York
  • Completely online application process
  • Average approval times of 3 minutes
  • Policy delivered electronically via email (all States except CA)
  • The product is renewable at the end of the term period
  • Make sure to have your credit / debit card or EFT information. These will be necessary to complete the application process.

National Life Group, a Fortune 1000 company, serves 840,000 customers. With 2011 revenue of $1.5 billion and net income of $124 million, members of National Life Group employ roughly 900 employees, with most located at its home office in Montpelier, Vermont. Group companies also maintain offices in Addison, New York, and San Francisco. . Life Insurance Company of the Southwest (LSW) is a member of the National Life Group. Life of the Southwest has an AM Best rating of A, which means Excellent.

Transamerica Trendsetter Express

  • Available for ages 18 through 80
  • Term lengths: 10, 15, 20, 25, and 30 years
  • Non-med underwriting from $25,000 to $249,999
  • Tobacco users can qualify.
  • Rates are guaranteed to remain the same during the term length.
  • Available in all states except AL, GA, MD, NY, OR, PA, and WV.
  • Completely online application process.
  • Average approval times of 1-3 weeks.
  • Conversion options available.

Available Riders and Options

  • Terminal Illness Accelerated Death Benefit (TIADB)
  • Conversion Option Endorsement
  • Income Protection Option (IPO)
  • Waiver of Premium (WP)
  • Children’s Insurance (CIR)
  • Accident Indemnity (AI)
  • Monthly Disability Income (MDI)
American National Life Insurance Company

ANICO Signature Term Express

  • Available for face amounts up to $250,000
  • Term lengths: ART (annual renewable term), 10, 15, 20, and 30 years
  • Non-med underwriting from $50,000 to $250,000
  • Underwriting Express facilitates 48- 72 hour turnaround on approvals
  • Rates are guaranteed to remain the same during the term length
  • Standard and substandard classes only
  • Issue ages up to 65 years
  • Electronic Application
  • Conversion credits available through 5th policy year

Available Riders and Options

  • Conversion Period and Credit
  • Children’s Term Rider
  • Disability Waiver of Premium
  • Accelerated Benefit Riders – Living Benefits

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