You will have the ability to view information about the different life insurance plans and what the coverage can offer, and the option to complete an online application once youre ready to apply for coverage. Assurity term life insurance provides the following benefits: Assurity term life insurance offers a few different unique features outside of the valuable death benefit protection the insurance coverage provides. Here is a closer look: Getting an Assurity term life insurance quote is simple when you use our online quote tool. NA. North American Company 9. Assurity Life Insurance With coverage levels between $50,000 and $350,000, these are attractive term life insurance policies. Get FREE Information on how $1* Can Buy Up To $100,000 Globe Life Insurance for Adults or Children. This benefit provides for the ability to take up to $250,000 of the death benefit while still living. As mentioned, Assurity term insurance overs a conversion option in which you can switch to permanent coverage without evidence of insurability. Up to 21 different illnesses qualify for payment, and a Return of Premium option is available that pays back all premiums if the insured dies of any cause other than a covered illness (less any benefits already paid). A.M. Best is the leading independent evaluator of businesses across all industries. By 2005 all three Lincoln, Nebraska-based insurance companies merged to form what is now referred to as Assurity Life Insurance. They have many policy riders that you can add on to your policy, as well as a few conversion options. Based out of Lincoln, Nebraska, Assurity Life Insurance Company is a mutual insurance organization consisting of 800 employees in 49 states. This review will provide you with an overview of Assurity as a company, their accelerated non-medical term life insurance coverage, and a list of some of the most frequently asked questions about their term life insurance coverage. We've compiled a list of some of the more prominent no medical exam life insurance companies. $146. And there's no medical exam required to qualify for it. Consumers can compare life insurance quotes online. After finding a quality insurer with the cheapest premiums, it is simple to fill out a quick application and finally buy the life insurance you know you need to protect your family and property. NerdWallet rates insurers at the company level, not the policy level. Rather than having to go through a traditional life insurance medical exam, Assurity can use what is referred to as real-time data to help underwrite applications for quick, sometimes instant approval for coverage. . This is simple a review. Assurity can also waive the medical exam depending on your age and the coverage amount. Bestow - Bestow now offers a 10, 15, 20, 25 and 30 year term option. Fast underwriting. We have helped hundreds of our customers get term insurance coverage with the insurance company and know a great deal about the term life insurance coverage that they can offer. Cons: While Assurity's prices are competitive, other insurers may have lower pricing on certain products. Online life insurance policies. 3. Life Insurance Company, a MassMutual subsidiary, Haven Simple comes in terms ranging from five to 20 years, offers benefit amounts from $25,000 to $500,000, and accepts applicants as old as 55 years. 5 hours ago (800) 607-6957 The AARP Life Insurance Program is underwritten by New York Life Insurance Company, New York, NY 10010 (NAIC #66915). Assurity Life also offers a Simplified Issue Whole Life policy with a max face amount of $50,000 for people ages 0-65. Assurity Life will also check your MIB . For many others, it will NOT be. The only difference, for those who meet the criteria, are no medical exams, no lab work necessary, and no doctor's orders needed. Despite less than 10 years in business, the companies that formed Assurity have hundreds of years in combined experience. If there is a discrepancy between the application and the information in the databases, a telephone interview and/or review of your medical records may be requested. Assurity allows you to continue paying for coverage outside of the expired term length up to age 95. The available riders include: The accelerated benefits rider allows you early access to the death benefit if diagnosed with a terminal illness or expected to stay in a nursing home until death. *Preferred Plus Non-Nicotine underwriting classification. These include: The Medical Information Bureau houses info from your previous insurance applications. A medical exam is often required when you do not qualify for accelerated underwriting due to health concerns or high-risk activities, such as skydiving or private aviation. One of their most popular options is called "Non-Med Term 350," available to clients aged 18-65 and offers up to $350,000 . Modified Benefit Whole Life This is also called guaranteed issue because your acceptance for coverage doesn't depend on your health history. If your monthly benefit amount is less than $4,000 per month, no income verification proof will be required. Assurity Life is based out of Lincoln, Nebraska. Youll want to run an instant quote to compare rates. A life insurance policy may be voided if an insured provides false or incomplete health information on the application. It will require you to go through new underwriting, but your rates will be locked in for an entirely new term duration if approved. Sagicor AIG AIG offers a guaranteed issue life insurance policy. These riders definitely give Assurity an upper advantage combined with the accelerated non-medical option. We would be grateful to help you put protection in place for those you love. With more than a century of providing life insurance coverage and an AM Best Company rating of A (excellent), Assurity Life Insurance Company is a front runner when it comes to their term life insurance no exam products. 3/15/1982, no tobacco use, excellent credit, excellent BMI, no adverse family history and other underwriting factors. Keep in mind that many of the riders increase the premium of the policy. The death benefit is guaranteed for the entire 30-year term. Sagicor Life Insurance Company offers term life insurance no medical exam up to a maximum of $400,000. Jeffrey Manola is the founder of No Medical Exam Quotes, an online insurance broker with a strong focus on helping people shop for the perfect life insurance policy. These days, many top no exam life insurance companies make it easy to apply for coverage and even to shop for the best deals. It is one of the biggest reasons so many people choose life insurance without physical exams. (Not available in KS, MD, NH, NJ, and VA). If you'd like to further customize your LifeScape NonMed 350 policy, the following riders are available at an extra cost: Convert to a permanent policy up until the policy anniversary after your 65th birthday. It also offers up to $2m in term life coverage in under 20 minutes. Two popular questions often asked when a customer is shopping for coverage are, how long has the company been in business, and how are their ratings? No life insurance company or policy is the "best" for everyone, it just isn't possible. Whether or not Assurity is the best company for you to apply with depends on a number of factors. Assurity is a marketing name for the mutual holding company Assurity Group, Inc. and its subsidiaries. Minimum benefit of $5,000, up to $50,000 of coverage available. After reviewing the technical details of Assuritys term life policy, you may still need a few questions answered. A no exam life insurance policy should never be viewed as a way to get coverage by failing to disclose a known health problem. They offer some nice No Medical Exam Life Insurance products. AAA - At the moment, AAA offers a 10, 15, 20, 25, and 30 year term option. Your insurance coverage will remain in force for 30 years as long as you pay your premiums. Your life insurance quotes are always free. The A- rating is given to companies that exceedingly meet their ongoing insurance obligations to customers. Assurity Life Insurance Agency. This rider provides a monthly benefit if you become disabled due to an accident or illness. An independent life insurance agent has your best interest in mind. In 2013, Assurity received the LEED Gold Certification for its office buildings energy efficiency in Lincoln and received numerous sustainability awards. However, choosing coverage greater than $500,000 may disqualify you from the accelerated underwriting process resulting in a required medical exam. $100,000 to $3 million. Minimum benefit of $10,000, no specific maximum benefit. We have found that Assurity Life , American National , Sagicor, Transamerica and Fidelity Life are very easy to work with when shopping for non-med life insurance. Depending on the illness, you may receive up to 25% or 100% of the policys death benefit. It is the fourth-highest rating out of 15 ratings given by A.M. Best. This means that you will not be required to take a medical exam if you qualify and may have your policy approved instantly. Many applicants will be approved with 100% digital underwriting. SBLI of Massachusetts, A Excellent AM Best, can be aggressive for diabetics and they can potentially offer diabetics age 18 to 60 up to $500,000 of term life insurance without requiring an exam. Quick Summary: Assurity is a solid company that offers a well rounded no physical exam product. Here are some details of the policy. Depending on the illness, you may receive up to 25% or 100% of the policys death benefit. Up to $350,000 of coverage available. For a term life insurance policy with no medical exam, you have to be in good health. If a telephone interview or medical records review is needed, it can take several weeks for a decision. The available riders include: Accelerated Benefits Rider: The accelerated benefits rider allows you early access to the death benefit if diagnosed with a terminal illness or expected to stay in a nursing home until death. Assurity will underwrite many pre-existing health conditions accordingly to see if there is a potential for an offer for coverage. How Much Does a Funeral Cost? Compare rates and apply for term life insurance coverage with the top A.M. Best rated life insurance companies instantly. We have helped hundreds of people obtain . What's really nice about Hero Life is that if you are in "average" health you potentially could get up to $2,000,000 of life insurance instantly. Haven Life offers a no-medical-exam term life insurance product called Haven Simple. Compare Rates from Top No Exam Life Insurance Carriers, top-rated no physical life insurance companies, About Assurity and Their Financial Ratings, Assurity No Medical Exam Term Life Insurance Review, Other Key Benefits of Assurity No Exam Term Life Insurance, How to Apply for Life Insurance with Assurity. Rates As Low As $3.49 per month. Assurity offers a lot of different life insurance products. (See the tables below) Bottom Line: Assurity Life has been around for . Available for ages 18 through 60. The conversion period begins at the policy issue date and ends on the earlier of: Assurity does tend to be priced higher compared to other no exam life insurance carriers. The dependent child must be between the ages of 15 days and 18 years old when adding them to the policy. You can also give us a call at 1-888-972-0024 or CLICK HERE to send us an e-mail 24 hours a day. What is no exam life insurance? If an individual does not qualify for the accelerated underwriting process, the company automatically transitions the application to its standard underwriting process, which will require a medical exam offered by Assurity. Ages 18 to 50: $25,000 to $500,000 (accelerated underwriting), Ages 51 to 65: $25,000 to $350,000 (accelerated underwriting), Ages 18 to 50: $500,001 to $10,000,000 (traditional underwriting), Ages 51 to 65: $350,001 to $10,000,000 (traditional underwriting), Ages 66 to 75: $25,000 to $10,000,000 (traditional underwriting). Assuritys mission is helping people through difficult times, and they offer a wide range of products to fulfill that goal. Familiarize yourself with the top-rated no physical life insurance companies to compare and contrast. Just make sure that if you are paying monthly with an automatic draft, you cancel it, or payment will continue to draft at a much higher rate. Banner Life offers a no-medical-exam term life insurance option for people ages 20 to 60. Have your medical history, lifestyle, and occupation information written out so that its easy to communicate. Owned & Operated by the Goldenzweig Financial GroupPhone: (888) 972-0024Business Hours: Sunday-Saturday 9am-9pm, 9985 Spider Creek Court,Las Vegas, Nevada - 89149, 2019 Term Insurance Brokers. Assurity Life Insurance Policies. Here are some of the more common reasons for choosing life insurance without a medical exam. The underwriting classes define the perceived risk of an applicant dying before the end of the policy, triggering the company to pay the coverage amount to the listed beneficiaries. Coverage amounts range from $25,000 to $10 million. Issue age: 80 or younger. The injury must result in total disability, keep you from doing essential duties in your own occupation, and require a physicians care. Clients who will best benefit from Assurity's NonMED Term 350 are clients: Assurity will underwrite many. If you already have started your search, youre one step closer to finding that perfect term life insurance coverage, and its likely you have come across the popular Assurity Life Insurance Company and are interested in what their term life insurance plan can offer? Read the. Think of this as standard issue ages for no exam products. AARP membership is AARP membership is Preview / Show more If you choose to convert your term policy into permanent life insurance coverage, you will receive a full years premium credit equal to the term life insurance cost, which will be applied towards the new cost of the permanent life insurance policy. If your life insurance application requires a medical exam, one will be provided to you at no cost, and an examiner will schedule a time that conveniently works with your schedule. Fidelity Life 5. This rider adds term life insurance for your children up to the age of 25. Death benefits and premiums are guaranteed for life, and the policy features a cash value that increases over the life of the policy. Available Coverage Ages 18 to 60 may qualify for up to $500,000 Term lengths: 10, 15, 20, 25, and 30 year No Blood Test No Urine Test The injury or illness must result in total disability and keep you from doing essential duties or caring for yourself. High-Risk Life Insurance Client Approval Process. Policies will be underwritten by Assurity Life Insurance Company. 1. As the name implies, these policies are meant to provide coverage, Compare No Medical Exam Term Life Insurance. Each child will have the option to convert their term coverage into their own policy five times the amount received as a child rider. Your coverage will turn into an annual renewable term policy which increases in cost each year. The number and kinds of questions depend on the company and the policy, but they may include questions about your medical conditions, family . Transamerica Honorable Mentions 11. However, Assurity Life Insurance is a stable company that makes every effort to serve their customers well. The insurance company has also been named a Certified B Corporation, awarded only to companies that meet the highest standards of verified social and environmental performance, transparency, and accountability. American National, A Excellent AM Best, rates above are for $249,999. The maximum amount that can be taken from the death benefit is up to $250,000. If you receive approval for coverage, Assurity will send you confirmation paperwork that verifies the coverage amount, contract length, additional riders, and monthly premium. Assurity is a mutual life insurance company which means its policyholders own them. This means that there is no cash value that builds up over the term of the policy, and because of this, these policies tend to be the cheapest option available. Those subsidiaries include but are not limited to: Assurity Life Insurance Company and Assurity Life Insurance Company of New York. Mutual of Omaha 8. Term Life Insurance for Seniors Over 70. Applicants who have filed bankruptcy or been charged with a DUI in the past years may be ineligible. We helped build the DI market - now you can use our expertise to meet the moment and build your business. Knowing which underwriting classification you will qualify for can be tricky, so be sure to reach out to us for any assistance. On your application, you will be asked specific questions about your medical history including details related to any occurrences of: Assurity can approve applications in a couple days for those that don't have any flags prompting a human underwriting review. No exam life insurance is an option for seniors, but it is typically available for those under age 65. The values displayed are subject to change, the information is for summary purposes only. However, the riders provide increased flexibility for building a policy that meets your specific needs. Your periodic premiums can never be increased by the company. How much does Assurity life insurance cost? Here are answers to some of the most frequently asked questions about Assurity and its term life policy. This insurer has evolved from original companies that began doing business in the late 1800s, giving Assurity over a century of experience in the business. While we dont consider Assurity another cheap life insurance company, we do believe that the insurer offers many applicants affordable premiums and a very good value. Assurity Life Insurance, a mutual insurance organization, provides no medical exam life insurance formerly called, LifeScapeNonMed Term 350. It also limits the maximum coverage. A.M. Best is an independent rating agency and assigns an "A-" grade to Assurity which is considered excellent and demonstrates their strong financial footing. Consider your: You will want to do two things to purchase the best life insurance policy you qualify for, regardless of the life insurance company you apply with: Expect a streamlined application process: Your application will be submitted electronically, so you can avoid tedious paperwork and snail mail. Save time and hassle. We offer both term life insurance (ages 20-65) and guaranteed issue whole life insurance (ages 65-85). The best way to do this is to work with an independent agency that is: You're in luck:) We do all the above and more. Your unique needs will determine which life insurance carrier will be the best to apply with, as each companys rates and features vary. If you have preexisting health conditions, you may still qualify for coverage. The term lengths available are 10, 15 and 20 years. Designed for people between 18 and 65. For some of you reading, it will be. The benefit amount is between $300 and $3000 with a maximum benefit no greater than 1.5% of the death benefit. Assurity 9. 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