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Get Instant Issue Term Quote

Online Non-medical Instant Term Life Insurance

What questions will be asked?
What payment methods are accepted?

Online Non-medical Instant Term (also referred to as Express Term or Instant Term) is simplified issue term life insurance where the underwritting is done automatically and instantly with the submission of the application. No medical exam is required.

   Steps to Apply

  1. Complete short online form
  2. Receive quote
  3. Answer 10 health and lifestyle questions
  4. Instantly approved or more information requested
  5. Pay online or send check

What questions will be asked?

  1. What is your height and weight?
  2. Are you a U.S. citizen or a permanent U.S. resident that holds a permanent visa?
  3. In the past 12 months have you used any nicotine or tobacco products?
  4. Have you been diagnosed as having AIDS (Acquired Immunodeficiency Syndrome) or ARC (AIDS Related Complex) or tested positive for HIV (Human Immunodeficiency Virus)?
  5. In the past 2 years, have you been hospitalized or evaluated in an emergency room or immediate care center for any chronic illness requiring ongoing treatment or care by a physician?
  6. Are you awaiting a diagnosis or been advised to have a surgical operation, a diagnostic test or an evaluation that has not yet been completed?
  7. In the past 10 years, have you received any treatment, medical advice, or consultation for; been diagnosed with; or had any known indication of: diabetes; cancer (excluding basal cell or squamous cell carcinoma of the skin); stroke or transient ischemic attack (TIA); emphysema; chronic bronchitis; chronic lung disease; major depression; bipolar disease or mood disorder; schizophrenia; Alzheimer's disease; dementia; degenerative muscle or nerve disease/disorder; paralysis; lupus; rheumatoid arthritis; alcohol or drug abuse; OR any disease or disorder of the following: heart, aorta, coronary arteries, peripheral vascular system, blood, liver, pancreas, kidney, brain, or connective tissue?
  8. In the past 3 years, has your driver's license been suspended or revoked, or have you been convicted of or pleaded "guilty" or "no contest" to any felony, DWI/DUI, or are you in prison or serving a probation/parole program?
  9. In the past 2 years, have you participated in any hazardous activities or extreme sports?
  10. Do you have any existing life insurance or annuity contracts? (If Yes, submit required replacement form.)

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What payment methods are accepted?

You can use either your credit card or EFT (Electronic Funds Transfer - a process by which your premiums are withdrawn from your checking account at a certain time). Your payments can be made monthly, quarterly, semi-annually, or annually, depending on your personal preference.

Get your free quote.