No medical exam
No needles. No paramed visits. No 6-week waits.
Traditional life insurance involves a paramedical exam — blood draw, urine sample, and a 4–8 week wait. We don't do that. Simplified-issue and guaranteed-issue products skip the exam entirely. Most applicants are approved by phone the same day they apply.
Simplified-issue
8–12 health questions. Coverage up to $50,000 for most seniors. Best rates if you're in average or better health.
Guaranteed-issue
Zero health questions. Acceptance is guaranteed. Trade-off: a 2-year graded benefit and slightly higher premiums.
We compare quotes from leading A-rated carriers
- Mutual of Omaha
- Aetna
- Foresters
- Transamerica
- AIG
- Gerber Life
- Americo
- United Home Life
Carrier availability varies by state and underwriting. We are not affiliated with any individual carrier.
Speak with a specialist — no obligation.
Our licensed agents will walk you through the lowest-cost plans you qualify for. Mon–Fri, 9 AM – 8 PM ET; calls are answered live, usually within 30 seconds.