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 | UP TO $400,000 | ALL | STANDARD | BOTH |
| Foresters | 56 + | UP TO $150,000 | ALL | STANDARD | BOTH |
| Foresters | 16 – 55 | UP TO $400,000 | WHOLE/UNIVERSAL LIFE | STANDARD ONLY | BOTH |
| Foresters | 56 – 75 | 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 |
| Leagal & General | 20 – 40 | $100,000 – $1,000,000 | 15, 20, 25, 30 YEAR TERMS | STANDARD PLUS OR BETTER | ONLINE ONLY |
| Leagal & General | 41 – 45 | $100,000 – $750,000 | 15, 20, 25, 30 YEAR TERMS | STANDARD PLUS OR BETTER | ONLINE ONLY |
| Leagal & General | 46 – 50 | $100,000 – $500,000 | 15, 20, 25, 30 YEAR TERMS | STANDARD PLUS OR BETTER | ONLINE ONLY |
| Leagal & 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 |