No Exam Life Insurance |
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Fidelity Life offers two no exam life insurance plans. Rapid Decision Term Rapid decision Term is a level death benefit term life insurance policy that remains in force until age 95, assuming the insured person pays the premium when due. It offers guaranteed level premium periods of 10, 15, 20, and 30 years. During the initial guarantee period your rates remain level and cannot be changed/increased. After the initial guarantee period the rates rise every year through age 94. Although no physical exam is required, this is a fully underwritten life insurance policy. That means at a minimum, a review of your Medical Information Bureau file, Motor Vehicle Record, and all Pharmacy records is done by Fidelity Life. If you have major health issues it is extremely unlikely you can be approved for this plan. Impaired Risk Life No exams, no testing, no waiting. And no processing delays. Issuance of a policy depends only on the answers to a few health questions. Even individuals who have experienced difficultly getting insured can obtain 10 year term or whole life policies with face amounts up $250,000 in days, not months. Both term and whole life are graded death benefit plans.
Term Issue Limits
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Fidelity Life Quote Request Form
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