Instant Issue Life Insurance Best Plans

When you are accustomed to get everything with the click of a button or just a call while snuggling cosily on couch at the comfort of your home, buying life insurance seems pretty hectic and old-school.

Congratulations! Times when you need to make multiple rounds at the Insurance office to complete the painstaking and tedious process, have rolled up and disappeared. Gone are the days when the applicants were required to fill the never ending set of papers, to undergo rigorous medical examinations, give urine samples, draw meticulous blood samples and expected to wait for further 30 to 90 days. All these are now considered practices of the past as the Instant Issue Life Insurance has taken over the role of the conventional insurance procedure.

 A handful of companies are now providing instant-approved term life insurance online at our disposal, particularly for the young generation without requiring anything at all. As remarked by Jamie Hale, CEO of Ladder (one of the instant term life insurance companies), “You can get the coverage you need as fast as you can type”.

Instant Issue Life Insurance Best Plans

Procedure for Applying Life Insurance Issued Instantly

Basically, what happens behind the scenes is as soon as you make the decision to apply, after viewing the quotes, the company mandates you to answer a few short questions and immediately retrieves information (after gaining your consent) of your medical history, followed by the prescription records and your MVR (Motor Vehicle Report) from multitude databases. They also cross-check the data held with the MIB Group (it holds a database of information from insurance applicants)  to verify your authenticity. Occasionally a Telephonic Interview is also conducted by some companies. Finally, within a matter of few minutes, you will be notified of whether your application has been accepted or rejected.

Following we have provided a detailed overview of the 5 Best Instant Issue Term and Whole Life Insurance Plans:


ANICO is a top choice for many who are on a hunt of a NO EXAM Life Insurance coverage, due to a wide range of options available under their Signature Term Express policies which tags an Accelerated Benefit Rider (a free rider to obtain cash in case of a medical emergency like a fatal disease or chronic illness). Other options are; Freedom Term Life Insurance (for 10, 20 or even 30 years with Face Value up to $250,000), ValueGuard Whole Life Insurance (with Face Value up to $150,000) and Legacy Whole Life Insurance (for applicants between 50 to 80 years of age, it provides a maximum coverage of $25,000 with fixed premium and death beneft alongside a 2 Year Graded Death Benefit in which the beneficiaries receive 110 percent of the premium paid). Taking merely 5 to 15 minutes for the entire process, no wonder, the company is successful in grabbing the honour of an “A” class rating in A.M. Best.

2) Assurity

Dating back as far as 123 years, Assurity has gone on to become one of the premier life insurance companies in the country today with its LifeScape NonMed Term 350, a NO EXAM instant issue term life insurance coverage which offers a free Critical Illness Rider (encouraging you to gain cash from the policy’s death benefit due to a qualifying chronic illness). The eligibility criteria for individuals is set to be between 18 to 65 years, assuring a coverage of $350,000.

Further, it also stands unparalleled in the No Exam Whole Life Insurance Market with its unique policies like Simplified Issue Life Insurance Policy and Single Premium Policy (constituting an exorbitant one-time Premium payment guaranteeing death benefit). Finally, Assurity Life Insurance company has also successfully achieved a top-spot through its Universal Life Insurance policy called “Premier Universal Life” with its flexible payment schedule and zero-interest loan against the policy.

It is for all these reasons, that with an A.M. Best Company rating of ‘A-‘, Assurity is one of the top-favourites, for anyone who wants an extra-ordinary insurance experience with no medical exam, no waiting period and no pain of piercing needles.

3) Fidelity

It’s indeed next to impossible, to draft a list of top-tiers Insurance companies without mentioning Fidelity Insurance Company. Its ingenious Rapid Decision Express policy excels in providing Instant Issue Term Life insurance (after you meet the requirement of answering few basic questions) in as little as 5 minutes. Yes! You read it right! In less than 5 minutes! It is particularly drafted for applicants between 18 to 65 years with variations in term lengths from 10, 15 to 20 and 30 years with minimum coverage commitment of $25,000 to a maximum of $250,000.

4) Minnesota Life

What makes Minnesota Life attractive and a No. 1 Choice for many, is its Express Issue term life insurance designed for applicants between 16 to 55 years of age, offering term lengths of  10, 15, 20 and 30 years with a minimum coverage of $100,000 and maximum of up to $249,999. In addition, it is always possible to convert the policy to a permanent, whole life one at any given point. The policy demands 24 to 48 hours duration for approval after the submission of the electronic application. Also, a mandatory telephonic interview is conducted so as to gain insight to your medical background.

Carrying an A.M. Best Company rating of “A+” Minnesota instant issue life insurance is a no-brainer for many of our clients with secured protection, eliminating the hassle of taking an exam or giving blood.

5) Sagicor

If you are as busy as a bee, or occupied with other tasks or generally a type of person who prefers to have insurance coverage in the fastest and easiest way possible, without jumping through hoops, then in all honesty, Sagicor Sage Term is the policy-to-go-for. You gain approval in as quickly as 15 minutes even if you wish to buy the policy as high as $500,000- regardless of whether it’s the instant issue term life insurance or permanent life insurance. Backed by a mighty rating of ‘A-” by A.M. Best, it offers three rate classes; Preferred, Standard, and Table Rated. The total premium for both the No Exam Term Life and Universal Life Insurance can vary between $$25,000, all the way up to $500,000. Last but not the least, the simple electronic application is also insanely easy to fill, presenting prompt service at rock-bottom rates.

All in all, to provide top-notch Insurance coverage at the most affordable rates with the most easiest and quickest purchase processes, you must choose the ideal one for you and your family from any of the aforementioned companies.