No Exam Required
Company Ages Amounts Product Rate Class Online/Paper
American General 20 – 59 $50,000 – $99,999 TERM STANDARD
THROUGH TABLE “E”
ONLINE ONLY
American General 0 – 50 $50,000 – $499,999 MAX ACCUMULATOR+IUL STANDARD
THROUGH TABLE “E”
BOTH
American National 0 – 65 MAX $249,999 ALL STANDARD &
SUBSTANDARD
BOTH
Ameritas 0 – 60 $50,000 – $300,000 TERM LIFE
IUL
PREFERRED THROUGH
TABLE 4
BOTH
Assurity 00 – 60
61 – 85
UP TO $150,000
BELOW $75,000
WHOLE LIFE STANDARD BOTH
Cincinnati Insurance Company 0 – 60 $25,000 – $99,999 TERM LIFE STANDARD BOTH
Foresters 18 – 55 
56 +
UP TO $400,000 
UP TO $150,000
ALL STANDARD BOTH
Foresters 16 – 55 
56 – 75
UP TO $400,000 
UP TO $150,000
WHOLE/UNIVERSAL LIFE STANDARD ONLY BOTH
Minnesota Life
A Securian Company
16 – 54 
(10, 15, & 20-year durations)
$50,000 – $99,999 ADVANTAGE ELITE SELECT TERM 10, 15, 20 STANDARD ONLINE ONLY
Minnesota Life
A Securian Company
16 – 54 
(10, 15, & 20-year durations)
$100,000 – $250,000 ADVANTAGE ELITE SELECT TERM 10, 15, 20 STANDARD ONLINE ONLY
Minnesota Life
A Securian Company
16 – 45  
(30-year duration)
$50,000 – $99,999 ADVANTAGE ELITE ADVANTAGE ELITE SELECT TERM 30 STANDARD ONLINE ONLY
Minnesota Life
A Securian Company
16 – 45 
(10, 15, & 20-year durations)
$100,000 – $250,000 ADVANTAGE ELITE SELECT TERM 30 STANDARD ONLINE ONLY
Minnesota Life
A Securian Company
16 – 54 $50,000 – $99,999 ORION INDEXED UNIVERSAL LIFE STANDARD ONLINE ONLY
Minnesota Life
A Securian Company
16 – 54 $100,000 – $250,000 ORION INDEXED UNIVERSAL LIFE STANDARD ONLINE ONLY
Minnesota Life
A Securian Company
16 – 55 $25,000 – $249,999 SECURE PROTECTOR WHOLE LIFE STANDARD ONLINE ONLY
Minnesota Life
A Securian Company
16 – 55 $25,000 – $99,999 SECURE ACCUMULATOR WHOLE LIFE STANDARD ONLINE ONLY
Mutual of Omaha 16 – 55 $25,000 – $99,999 SECURE ACCUMULATOR WHOLE LIFE STANDARD ONLINE ONLY
Pacific Life 50 – 69* UP TO $1,000,000 TERM 
UL
ALL BOTH
Sagicor 16 – 65 $25,000 – $400,000 NLUL ALL EXCEPT RATED TOBACCO ONLINE ONLY
Sagicor 18-50 $100,000 – $1,000,000 IUL PREFERRED THROUGH TABLE 8 ONLINE ONLY
Sagicor 51-65 $100,000 – $500,000 IUL PREFERRED THROUGH TABLE 8 ONLINE ONLY
Sagicor 18-45 $50,000 – $1,000,000 TERM PREFERRED PLUS THROUGH TABLE 2 ONLINE ONLY
Sagicor 46-55 $50,000 – $750,000 TERM PREFERRED PLUS THROUGH TABLE 2 ONLINE ONLY
Sagicor 56-65 $50,000 – $500,000 TERM PREFERRED PLUS THROUGH TABLE 2 ONLINE ONLY
Sagicor 16-65 $25,000 – $250,000 WL ALL EXCEPT RATED TOBACCO ONLINE ONLY
Savings Bank Life Insurance 18 – 60 $100,000 – $500,000 ALL ALL BOTH
Transamerica 18 – 60 $25,000 – $99,999 TRENDSETTER SUPER STANDARD BOTH
Transamerica 61 – 70 $25,000 – $50,000 TRENDSETTER SUPER STANDARD BOTH
Transamerica 18 – 60 $25,000 – $249,999 TRENDSETTER LB STANDARD BOTH

*COMPREHENSIVE PHYSICAL AND BLOOD WORK AVAILABLE FROM PRIMARY PHYSICIAN WITHIN LAST 18 MONTHS

Exam May Be Required
Company Ages Amounts Product Rate Class Online/Paper
American National 0 – 50 $250,001 – $1,000,000 ALL ALL RATE CLASSES ONLINE ONLY
American National 51 – 60 $250,001 – $500,000 ALL ALL RATE CLASSES ONLINE ONLY
Assurity 18 – 50 UP TO $500,000 TERM STANDARD OR BETTER ONLINE ONLY
Assurity 51 – 65 UP TO $350,000 TERM STANDARD OR BETTER ONLINE ONLY
Legal & General 20 – 40 $100,000 – $1,000,000 15, 20, 25, 30 YEAR TERMS STANDARD PLUS OR BETTER ONLINE ONLY
Legal & General 41 – 45 $100,000 – $750,000 15, 20, 25, 30 YEAR TERMS STANDARD PLUS OR BETTER ONLINE ONLY
Legal & General 46 – 50 $100,000 – $500,000 15, 20, 25, 30 YEAR TERMS STANDARD PLUS OR BETTER ONLINE ONLY
Legal & General 20 – 50 $100,000 – $500,000 10 YEAR TERM STANDARD PLUS OR BETTER ONLINE ONLY
Lincoln Financial Group 18 – 60 $100,000 – $500,000 TermAccel PREFERRED PLUS ONLY ONLINE ONLY
Lincoln Financial Group 18 – 60 $100,000 – $250,000 ADVANTAGE ELITE SELECT TERM 10, 15, 20 STANDARD ONLINE ONLY
Minnesota Life
A Securian Company
18 – 50 $0 – $2,000,000
(excludes WriteFit Express products listed under no exam required)
SINGLE-LIFE PRODUCTS STANDARD OR BETTER ONLINE ONLY
Minnesota Life
A Securian Company
51 – 60 $0 – $1,000,000
(excludes WriteFit Express products listed under no exam required)
SINGLE-LIFE PRODUCTS STANDARD OR BETTER ONLINE ONLY
Mutual of Omaha 18 – 55 $100,000 – $1,000,000 TERM LIFE ANSWERS STANDARD OR BETTER ONLINE ONLY
North American 0 – 50* UP TO $1,000,000 ALL SINGLE LIFE STANDARD OR BETTER ONLINE ONLY
Principal 18 – 60 $50,000 – $1,000,000 ALL PREFERRED PLUS & PREFERRED ONLY BOTH
Protective 18 – 45 $100,000 – $1,000,000 CUSTOM CHOICE UL AND CLASSIC CHOICE TERM FITS PUBLISHED CRITERIA ONLINE ONLY
Protective 46 – 60 $100,000 – $500,000 CUSTOM CHOICE UL AND CLASSIC CHOICE TERM FITS PUBLISHED CRITERIA ONLINE ONLY
Prudential 18 – 60 $100,000 – $1,000,000 MOST TERM & ULs PREFERRED OR BETTER ONLINE ONLY