Instant issue life insurance does not require a medical exam. When you apply, we only ask you a few basic health questions to determine your eligibility. No need for any needles or specimen samples. If fast and instant coverage is what you need, then instant issue life insurance might be the answer.
How does it work?
When applying for instant issue life insurance, a decision is given immediately. Approval will be based on a few health questions, so it's important to be honest about any current or past medical conditions.¹ There's no waiting period for this type of life insurance, so no need to draw blood or collect urine samples, making the approval process so much easier and faster. Instead, we just use your public records such as your financial and pharmacy history to determine your eligibility. Once approved, your policy is immediately shipped and delivered right to your door.
- Misrepresenting or failure to disclose current or previous medical conditions can result in the policy being invalidated. It is essential that all health questions on the application are answered truthfully and accurately as possible.