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Free quotes for No Exam Term Insurance are available from three outstanding companies: (just click the links on the left)

Complete your application, get a coverage decision, and print out your policy – all online! No lengthy delays. No medical exam - just answer a few health questions. And there’s no need to speak to an agent.

With RBC ExpressTERM, once you apply online and are accepted for coverage, your insurance protection begins the very same day. Your premium is guaranteed. And with coverage amounts up to $250,000*, there’s term life insurance to meet any need or budget. Don’t Delay - Get Covered Today! It all starts with your FREE quote!
*$200,000 maximum in Maine and Minnesota

Web-based technology and underwriting innovation enable Fidelity Life to offer a fast, hassle-free purchase experience. With our Rapid Decision Term product and our state-of-the-art Rapid App application, approval and delivery process has been streamlined to allow you to obtain coverage from Fidelity Life in days, not months.

There are no exams, no tests, no waiting periods and processing delays.* Issuance depends only on the answers to a few health questions. This rapid decision-making process is the work of experts who have the knowledge and experience to provide solutions that are both forward looking and practical. It's a benefit you won't likely get from any other insurer.

Rapid Decision Term is a level death benefit term life insurance product to age 95. Guaranteed level premium periods of 5, 10, 15, 20 and 30 years are available. After the level premium period, rates increase each year through age 94. The policy is convertible during the first 10 policy years or to age 65, whichever comes first.

Our Rapid Decision Term product also features a number of valuable riders such as Accelerated Death Benefit which is included with the policy and optional riders such as Return of Premium, Waiver of Premium, Dependent Child, and Accidental Death.

*Face amounts of $10,000-$300,000
*Occasionally a medical exam, test or report will be ordered to assist a customer in clarifying or correcting an item of medical history.

MUTUAL OF OMAHA
TERM LIFE EXPRESS

• protect your family's lifestyle and help pay off the mortgage if you die, or
• help make mortgage payments if you suffer a disability

• Face amounts of $50,000 to $400,000
• $250,000 & over need Oral Swab
• A simple underwriting process

Term Life Express offers popular features at no additional cost to you:

Accelerated death benefit
This rider pays 92 percent of the death benefit in a lump-sum if you provide evidence that your life expectancy is 24 months or less. Once the benefit is paid out, the policy will be terminated. In FL, the life expectancy is 12 months or less and the lump-sum is 94 percent.

Unemployment provision
In the event of unemployment, your monthly base premiums and riders are waived for one six-month period.

Residential damage rider
If your primary residence sustains $25,000 or more of damage, your monthly base premiums and riders are waived for one six-month period.

Common carrier death benefit provision
If you should die in an accident while a passenger on a common carrier (e.g., airplane, train, bus), this provision provides for an additional death benefit equal to 100 percent of the original face amount.

Other riders features are available for purchase so you can customize your policy:

• return of premium
• disability income coverage*
• dependent children's coverage
• disability waiver of premium
• accidental death coverage

*Not available on ROP products