No-Exam life insurance policies soar in popularity as prices drop to all-time lows; more and more insurers now offer coverage up to $500,000

DARIEN, Illinois (May 24, 2016) –, the online life insurance pioneer that offers instant quotes from 50 life insurance companies and allows customers to buy from any company on a paperless basis, has good news for those who want to skip the traditional medical examination:  An increasing number of highly-rated life insurers now offer no-exam underwriting up to $500,000, which dramatically simplifies and speeds up the purchase process for life insurance shoppers.  Instant quotes on the new no-exam plans up to $500,000 are now available at

 Even better, some of the no-exam plans offer instant-decision underwriting, depending upon the applicant’s age and state of residence.  Additionally, the LifeQuotes website offers anonymous quoting, which maximizes customer privacy.

“A sea change of product improvement is under way in the U.S. life insurance market and the news could not be better for middle market consumers,” said founder and CEO, Robert Bland.  “More and more life insurers are adding no-exam plans up to $500,000 that offer instant underwriting at unheard-of rates, which now puts high quality life insurance within reach of every American adult who has dependents and a need for life insurance.” recommends that family breadwinners with dependents carry no less than ten times their annual income in total life insurance and that a non-working caregiver with dependents carry no less than $250,000. offers an easy-to-use life insurance needs calculator at

Rob Goss, executive vice president, added, “The new generation of no-exam plans offer a full suite of initial rate guarantee periods, typically ranging from 10 years to lifetime and there is very competitive pricing available for individuals who have non-life threatening health conditions.”

Goss continued, “In order to de-mystify the process and keep rate-ups and declines as low as possible for our customers, we’ve designed our online illustrations to display each company’s actual Acceptance Guidelines, including height and weight charts, so that customers can review them in private before they elect to apply for coverage.  To the best of my knowledge, we’re the only life insurance exchange that shows actual acceptance guidelines along with the price quotes.”

Sample No-Exam, 10 Year Level Term Life Insurance Rates
Female Monthly Rates
Sample No-Exam, 10 Year Level Term Life Insurance Rates
Male Monthly Rates
65$38$58$88$212$444 reminds shoppers that the underwriting process for these plans can entail third party database lookups, including the Medical Insurance Bureau (MIB), past medical records, prescription drug use history, driving record and other data sources.  We urge all customers to be truthful in their answers to the application questions because a material misrepresentation could nullify coverage at a later date.  Rate-ups and declines in life insurance can result in an MIB report history.

 Underwriting for most no-exam plans utilizes e-signature and/or a recorded telephone interview.

The no-exam insurers typically require U.S. citizenship, a valid Social Security number, and a valid U.S. residence.  In some cases, coverage may be available to U.S. residents who are temporarily living abroad.

Past Accolades for

  • 2023: reaches 410,000 customers 
  • 2023: celebrates 130,500 Home Page Customer Reviews averaging 4.68 Stars 
  • 2023: celebrates 2,300 Google Reviews averaging 4.8 Stars 
  • "Life Insurance Innovation" award winner... Life Insurance Direct Marketing Association 
  • "The premier Web site in terms of details and ease of use..." -- Yahoo! FINANCE 
  • Twice Ranked #1 life insurance website by Kiplinger's 
  • Named a "100 Most useful website" by MSN Money 
  • Past Winner: Forbes' "Best of the Web" 
  • "The best website I've found..." -- Dallas Morning News 
  • "...we'd recommend you do your insurance shopping here..." -- Barron's 
  • "...outstanding - as good as a Web site on insurance can possibly be. Hats off and a gold star to the top insurance site on the Web." -- Insurance for Dummies 

Survey Methodology

Fifty leading life insurers rated “A” or better were polled as to how they underwrite breast cancer survivors for a California resident. Rates may differ in New York. Life insurance policies described, quoted, shown and illustrated throughout this press release may not be available in all states. Banner Life Insurance Company, Urbana, MD, policy form ICC08-LIA, and William Penn Life Insurance Company, Garden City, NY, policy form LIA-WP, both Legal & General America companies; Haven Life, a subsidiary of Massachusetts Mutual, Springfield, MA, policy form ICC19PCM-SI 0819; Pacific Life Insurance Company, Omaha, NE, policy form ICC18 A18LYAP Protective Life Insurance Company, Birmingham, AL, policy form ICC12-400 and Protective Life and Annuity in NY under policy form PL-400- NY; Pruco Life Insurance Company of New Jersey, Newark, NJ, policy form ORD 96200-2010, member companies of Prudential Financial, Inc., Newark, NJ; The Savings Bank Mutual Life Insurance Company of Massachusetts, Woburn, MA, policy form ICC17-A-91 (SBLI and The No Nonsense Life Insurance Company are registered trademarks of The Savings Bank Mutual Life Insurance Company of Massachusetts, Transamerica Financial Life Insurance Company, Harrison, NY, policy form APA 40NY- 107 and Transamerica Life Insurance Company, Cedar Rapids, IA, policy form APA401008T, both AEGON companies. 

About operates an Internet-based life insurance exchange at The company also provides private label, co-branded life insurance technology and fulfillment services to insurance companies, financial institutions, affinity groups, banks, credit unions, property & casualty agencies, trade associations, and other affinity groups with large customer bases. The company’s proprietary technology provides instant quotes and illustrations from 50 leading life insurers and enables a quick, paperless purchase process . More than 400,000 people have purchased policies through since the firm’s founding in 1984. Visit for more information or to explore the life insurance quoting experience online.