All Frequently Asked Questions

Will I need to take a medical exam?

In many cases, a medical exam will be needed to finalize coverage on a medically underwritten term life insurance policy. Often, you can still have temporary life insurance coverage while you wait for the medical exam results and a decision on your application. Once an application is submitted, you’ll be notified of whether or not a medical exam is needed to finalize your coverage.

Our no medical exam, InstantTerm process is available to eligible applicants up to age 59 who are applying for $1 million in coverage or less.

Note: it’s very important to be honest when completing the application. The issuance of the policy or payment of benefits depends on the applicant’s insurability, based on their answers to health questions in the application and their truthfulness.