No Medical Exam Life Insurance

Life Insurance Plans

No Medical Exam Life Insurance

No Medical Exam Life Insurance in Virginia from Bestow. Get a Quote in seconds, apply online in minutes and get insured instantly if approved with no medical exam, ever! A healthy 25 year old female could get $50,000 of coverage for 2 years for $8/month. No Medical Term life Insurance that’s easy, online, and issued by  A+ Rated * financial strength. Term Life Insurance is one of the simplest and most affordable types of life insurance.  Help protect your loved ones today with life insurance. *Bestow Term Life Insurance policies are provided by North American Company for Life and Health Insurance®, an insurance carrier rated A+ (Superior) by A.M. Best.

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Welcome to No Exam Term Life Insurance 2.0

No doctors, no hassles, no agents. Starting at $8/mo.

No medical exams. No needles. Just coverage.

Quote in Seconds. Insured in Minutes. It’s that easy.

Plans starting at $8/month.

Apply in less than 5 minutes.

Consider it a new lease on life insurance.

Life insurance designed for the way you live.

A less annoying life insurance.

Term life insurance on your terms.

A life insurance company that stands for something. You.

No doctors, no hassles. Starting at $8/mo.

No doctors. No needles. Just coverage.

Term Life insurance could be more affordable than you think.

Life (insurance) in the fast lane.

Life insurance at the speed of life.

Rest Insured.

Reassuringly likable life insurance.

Apply for life insurance in less than 5 minutes. Or take your time. You do you.

No doctors. No needles. No waiting.

It shouldn’t take a lifetime to apply for life insurance.

Customer preferences have changed over time, moving to digital solutions instead of buying in-person. Bestow and SMH Insurance in Virginia is helping the modern consumer apply for life insurance online. Bestow offers a best-in-class, online application experience, that asks about your health and lifestyle to avoid requiring a medical exam. Ever. Yes, really. No blood tests. No phone calls. No hassles. It’s all part of our mission to make term life insurance more accessible to more people.

Bestow Life Insurance Terms and Face Value Options

10 & 20 year: $50,000 – $1,000,000

Issue Ages Accepted

21-55 10 year term

21-45 20 year term (all females and non-tobacco males)

21-43 20 year term (male tobacco)

Re-evaluate your Life Insurance Coverage

Is your life insurance coverage keeping up with you? Life changes fast. So should re-evaluating your life insurance needs. Consider life insurance coverage that actually covers what your life looks like today. Having kids changes everything. Your sleep. Your weight. Your life insurance needs. You’ve changed since the last time you bought life insurance. Guess what? So has life insurance. Have you taken a look at your life insurance coverage lately? Maybe you should take a look at ours. If you’ve got 5 minutes, you might just have your next policy. Just when your life insurance needs change, you’re all out of spare time to do anything about it. Get a quote in seconds. And if approved, coverage in minutes. You realize you need more life insurance coverage around the same time you’re too busy to bother with it.

Specific to Ease

From quote to policy in as little as five minutes. That’s a whole new kind of easy. Getting your first policy may have been a pain, but with no needles, paperwork or waiting, getting your next one will be a breeze. The right policy at the right price may be just a few clicks away. You don’t need a doctor. You don’t even need to put on pants. Start your application today from wherever you are. Specific to Cost Could you get more life insurance coverage for less? Shouldn’t you find out? Are you getting the best possible rate on life insurance? Give us 5 minutes and we’ll help you find out. Ever wonder if you’re getting the best rate on life insurance? Find out in as little as 5 minutes.


Limitations of Benefits

Two-year contestability and suicide provisions apply

Guaranteed Rates

Locked for the life of the policy

Selecting The Correct Term Length

Hung up on which term length to choose for your life insurance policy? Term life insurance is a popular form of life insurance because it’s affordable and often easy to get.

Unlike whole life insurance, term life is temporary. However, you do get to choose how long your insurance lasts by deciding on a term length. There are various different term lengths to choose from, so how do you find out what’s right for you?

Understanding the ‘Term’ Aspect of Term Life Insurance

With a term life policy, you’ll choose a term length, usually anywhere from 10 to 20 years, and pay a monthly premium in exchange for coverage. The coverage amount can vary depending on how much life insurance you need.

Paying your monthly premium throughout your term means that your coverage is current, and your beneficiary would be eligible to receive the full coverage amount if you passed away before the end of your term.

This means, if a 40-year old man purchases $500,000 of life insurance with a 20-year term, and passes away during the term, his beneficiaries would eligible to receive the $500,000 death benefit

With whole life insurance, you have permanent coverage with a fixed death benefit and a portion of your premium payments build cash value for the policy. The cash value grows with interest, and policyholders can borrow from it in the future if need be. Due to this, whole life insurance premiums are more expensive than term life.

Term life can provide you with plenty of coverage at an affordable monthly rate which is why it’s a great option for most people.

How Long Should Your Term Life Insurance Policy Last?

So when it comes to choosing a term life policy length, how long should it be? 10 years? 20 years? It’s not always such an easy decision. There are three factors you should take into account when choosing your term length for life insurance.

  1. Price

Generally, a longer level term can lead to a higher monthly premium. This is because you’re locking in one rate for an extended time frame. This may or may not be a huge price difference with a term policy, but it’s something to consider if you’re on a budget.

Think about how much you can comfortably afford to spend on a term policy. Your coverage amount will also affect the monthly premium. As a result, you can get a quote and move around different coverage amounts and term lengths until you find what works for your budget.

  1. Age

Your current age is another factor you should consider when deciding on a term length. If you are 30 years old now and you get a 20-year term life insurance policy, you will be 50 years old when it expires.

At that age, you may or may not want to apply for a new life insurance policy. If you do choose to reapply for coverage, you’ll be quoted at a higher monthly premium due to your age.

If you were to buy a 10-year term instead, you will be 40 years old when your term policy expires. At that time, you’ll likely have fewer medical risks than you would at age 50 and could still receive a low rate. But if you do have some medical issues at age 40, you’ll be paying a lot more. Or, you could be considered too high risk and have a harder time getting approved term life coverage.

  1. Your Needs

Finally, think about why you truly want life insurance. We all have our reasons. On the surface, you want to protect your family, but get clear on how life insurance can help.

Do you want to provide your spouse with enough to pay off the house in your absence? If so, how long do you expect to have your mortgage?

Do you want to enable your kids to keep attending private school if you were no longer around to help fund this expense? If so, in how many years will they be out of school?

No Medical Exam Insurance Plans Types:

1. Guaranteed Issued with No Medical Exam and No Health Questions:

Guaranteed issue life insurance policy is usually best for an elderly client who would not be able to qualify for a standard policy. These are the  most expensive plans and are designed for senior citizens who are in poor health. No matter what a persons health history is they are guaranteed acceptance.  Face amounts available from $5,000 to $25,000 for ages 45 to 85. Most companies offer or include the following features: Chronic Illness Accelerated Benefit-if a person becomes chronically ill and can’t preform 2 of the 6 activities of daily living you will access up to 50% of the death benefit. Terminally Illness Benefit: Allows access to 50% of the death benefit when a person has been diagnose as terminally ill. This benefit varies from 6 to 24 months of life expectancy depending on the issuing insurance company.

2. Simplified Issue with No Medical Exam:

The application for a simplified issue policy only has a few simple health questions. If you answer the health questions with a no and fit within a height and weight chart a policy will be issued upon payment of your initial premium. The application has approximately 6 questions for major health conditions that a person has had treatment for in the last 24 months. If you have not had treatment for a major health condition like a heart attack within the last 24 months you would qualify for this policy.  There are no medical exams, blood or urine tests required. Policy are issued for ages 40-85 and face amounts between $5,000 to $100,000. Simplified whole life policies offer fixed level premiums that are guaranteed not to increase even as you grow older. With the whole life option you’re guaranteed coverage for a lifetime. As long as you pay your premiums and the policy loans do not exceed the total cash value your coverage can not be terminated.


3. Standard Issue Life Insurance with No Medical Exam:

Standard issue plans are a good option for a person who simply doesn’t like going through the process of taking a medical exam with blood and urine test. Standard issue plans offer face amounts up to $1,000,000. Policies are available for people between the ages of 18-65.  A person will need to have a good health history and answer several medical questions to qualify. The policy will be fully medically underwritten by the insurance company. If approved policies are issued and your coverage is in force as little as 24 to 48 hours. We can complete your application by phone and have you sign it electronically. You will save a lot of time and the cost is not that much more than a regular term policy.

Please contact us if you would like to review rates for Guaranteed Whole Life Policy.


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