Get a Free Personalized Quote


What is no medical permanent life insurance?

No Medical Permanent Life Insurance provides protection permanently, with premiums that are guaranteed to remain level from the day you start your policy.

There are two major types of permanent life insurance that do not require a medical exam in order to qualify for:

Simplified Whole Life Insurance You do not need to undergo a medical exam in order to qualify, you just need to answer some questions about your health. Coverage amounts may go as high as $200,000 on select plans.

Guaranteed Issue Life Insurance Designed for individuals settling their final affairs, this is a life insurance policy that you cannot be denied for, with no medical exam or even health questions. Coverage limits on this policy typically go as high as $25,000.

Key benefits of our plans

No denials for health issues

Our plans are designed for the those that want fast, affordable coverage and those who might have trouble getting coverage due to current or past health issues.

Plans available for smokers

None of the extensive, lengthy and complicated health questionnaires need to be complicated as for traditional life insurance.

No hassle of a medical exam

This means no time wasted on nurse’s visits, waiting for results and approvals. No bloodwork is required, no needles, no discomfort.

Obtain your policy in days, not weeks

No medical and no paperwork means that your application can be processed immediately, and approval is often instant.

What Our Clients Say

Getting coverage is as easy as 1-2-3-4

Complete a quick, 30 seconds quote request on our site


Our friendly advisor will reach out with a personalized quote. Some health questions may be asked to ensure we are getting you the best rate possible.


If you happy with the quote and the terms of the plan, your application is finalized right over the phone.


Get your policy in 24 hours. You are covered and stress-free!

Got Questions?

Get answers from a licensed advisor to your most common life insurance questions.

See Our Frequently Asked Question