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Top 10 Easiest Life Insurance Policies to Get

Researcher & Writer
July 05, 2016

In the following article we will help guide you to the easiest life insurance policies with a focus on providing you with the best possible premium on your coverage. At TermLife2Go, we have a method of finding our clients the best life insurance rates. We focus on the niches of the best companies offering individual life insurance for a particular health or lifestyle. We do the work so you don't have to worry about messing up your life insurance application.

Top 10 easiest life insurance policies to get

So you’ve decided that you need life insurance, and now you’re just trying to figure out what type of policy you want, and how much coverage you’re going to need. Now we’ve already covered both of these topics in several other articles, see Life Insurance 101

Which is why in this article, we’re going to focus instead on the question:

“What are the easiest term life insurance policies to get?”

In this discussion, we’re going to cover several different types of life insurance policies available, as well as provide a few examples where each of these policies might be a good fit for you.

But first, let’s define what we mean by “Easiest Life Insurance Policy”.  For us, here at TermLife2Go, in order to qualify as being one of the easiest life insurance policies to get, the life insurance policy must be:

  • Easy to buy online,
  • No Medical Exam Life Insurance,
  • The application process needs to be quick and easy, and
  • The cost of the life insurance policy must be reasonable!

With that said, let’s dive right into it.

Quick and Easy Life Insurance Policies

We’ve chosen to list the top 10 easiest life insurance policies in alphabetical order because, while some may be easier to get than others, it’s important to consider everything about the individual policy being listed rather than simply focus on how easy it is to get approved.  By listing them alphabetically, it will give you a chance to review each insurance carrier on their total merits and not jump to any immediate conclusion based on their numerical ranking.

  1. American Amicable
  2. American National
  3. Americo
  4. Assurity
  5. Fidelity
  6. Foresters
  7. Gerber
  8. Phoenix
  9. Sagicor
  10. Transamerica

*Note: Accidental death policies will not be considered on this list because they’re not considered “true" life Insurance policies.

American Amicable

American Amicable provides easy issue life insurance. Prospective clients will be asked a series of health questions. In addition, there will be a background check into prescription use, Motor Vehicle Report, and Medical Information Bureau. Some of the main features of the product are:

  • Face amounts range from $50,000 to $400,000
  • Term lengths include: 10, 15, 20 and 30 year level premium
  • Health classes available: Preferred, Standard and Standard Tobacco
  • Liberal build chart requirements

For more please visit our review of American Amicable.

American National Life Insurance Company

American National Life Insurance Company has a solid line up of simplified and guaranteed issue life insurance products to choose from, they are one of the easiest and fastest life insurance policies to get.

The three American National Life Insurance Policies that we would like to highlight as some of the quickest and easiest to qualify for are the Freedom Term, the ValueGuard and the Legacy Whole Life.

Freedom Term and ValueGuard Whole Life are both “Simplified” life insurance products, meaning that:

  • You will not need to take a medical exam to qualify for either policy,
  • But you will need to answer several medical questions to determine eligibility.
  • The approval process for both of these policies should also be very quick.

Applicants choosing to apply for either the Freedom Term or ValueGuard Life Insurance policies should be:

  • In “reasonably” good health, with no major health concerns.
  • Taking few, if any prescription medications.
    • A prescription data base check will most likely be performed during your application process.
  • And applicants should also not have any previously denied life insurance applications on their record.

We like to recommend an American National Life Insurance Policy for those who are looking:

  • To be approved for a quality, term life insurance policy up to $250,000 or a whole life insurance policy up to $150,000 quickly, without having to take a medical exam. 

For more, see our review of American National Life Insurance Company.

Americo Life Insurance Company

Another strong option to consider when it comes to finding an easy life insurance policy to get is Americo’s line of simplified term and whole life products.

Americo's simplified issue, term life insurance policy.

  • Guaranteed level premiums for the life of the policy.
  • Flexible payments - you can pay monthly, quarterly, semiannually or annually
  • And of course no medical exam is required to apply for coverage

Americo's simplified issue, whole life insurance policy.

  • Coverage for your entire life, up to age 120.
  • Coverage amounts of 5, 10, 15, 20 and $25,000 dollars.
  • No waiting period for coverage, (AKA. Graded Death Benefit).
  • A 31 day free look/trial period.

Clients that would be a good fit for Americo's simplified issue products would be ones who:

  • In “reasonably” good health, with no major health concerns.
  • Taking few if any prescription medications.
    • A prescription data base check will most likely be performed during your application process.
  • And applicants should not have any previously denied life insurance applications on their record.

See our Americo Life Insurance Company Review.


With over 123 years of providing life insurance coverage, it would be difficult not to include Assurity's simplified issue on our list of quality life insurance products that are easy to qualify for.

Assurity’s NonMed Term 350.

Assurity’s NonMed Term 350 is a simplified term life insurance product that provides coverage up to $350,000 in coverage.

Its main features are that it's:

  • Available for clients between the ages of 18 and 65.
  • And there’s no medical exam required to qualify for it.

Clients who will best benefit from Assurity’s NonMED Term 350 are clients:

  • Who are looking for more than just a $100-250,000 in coverage.
  • Who are also in “reasonably” good health, with no major health concerns.
  • Taking few if any prescription medications.
    • A prescription data base check will most likely be performed during your application process.
  • And who do not have any previously denied life insurance applications on their record.

For more, see our review of Assurity Life Insurance Company.

Fidelity Life Insurance

It’s difficult not to include Fidelity on our list of the top 10 easiest life insurance policy to get. After all, Fidelity does have an “Excellent” rating with A.M. Best and their unique Fidelity Life Hybrid Insurance policy, has been a leader in the industry for the last couple of years!

However, we have noticed that with the emergence of several other “More aggressive” insurance carriers in the market right now, our use of Fidelity’s Life Hybrid Insurance policy has certainly dropped in recent months.

Fidelity Life Hybrid Insurance.

The nice thing about Fidelity’s Life Hybrid Insurance is that it is a quick and easy way to get approved for life insurance fast.  Approvals typically take less than 48 hours, and “true” life insurance coverage begins right away.

The downside to the policy is reflected in its name “Hybrid”. Hybrid: defined as something have two kinds of components that produce the same of similar results. In the case of Fidelity Life Hybrid Insurance, “Hybrid” refers to the fact that once you are approved prior to taking any medical exams, your get about one-third of your coverage amount as term insurance and the other two-thirds as accidental death only.

After you receive your policy, you will then have up to 6 months to take a medical exam and go through traditional underwriting.  If you pass, your entire life insurance policy will then become traditional coverage. However, if you don’t pass underwriting after your medical exam, you still get to keep your “Hybrid” mix of term and accidental insurance.

Sound Confusing?

We’ll it is kind of, but when it was brand new, and there weren’t a lot of other non-medical life insurance options to choose from, it was revolutionary.  But for now, Fidelity’s Life Hybrid Insurance policy seems a bit behind the times.

The Positives:

  • Partial term life insurance coverage begins right away.
  • Very generous height and weight ratios used in underwriting.
  • Affordable pricing for a simplified issue policy.
  • Able to keep 1/3 of coverage amount even if declined full coverage after medical exam.

The Negatives:

  • Only partial term life insurance coverage granted immediately upon approval.
  • Does require a full medical exam within 6 months of approval in order for the policy to provide full “non-accidental death” life insurance coverage.

Read more in our review of Fidelity Life Association Insurance Company


Foresters Life Insurance Company is another one of our favorite life insurance companies when it comes to finding an easy life insurance policy to purchase.  Rated “A”, excellent, by A.M. Best, the premier rating agency, you can be sure that when the time comes, Foresters Life Insurance Company will be there when you need them.

Foresters also has a complete line up of products to chose from as well, however in this discussion, we’re going to limit our focus on just one of their more popular life insurance offerings, the PlanRight Whole Life insurance Policy.

PlanRight Whole Life Insurance.

The PlanRight Whole Life Insurance product is a permanent whole life policy that has a guaranteed level premium with one of the lowest premium cost on the market today.

In fact, we here at TermLife2Go believe that the PlanRight whole life insurance product makes Foresters one of the best final expense insurance companies currently available today.

With that being said, there are health questions and requirements that must be met. Which is why the PlanRight Whole Life Insurance policy may not work for everyone.

The product has three different variations Fixed, graded, and modified.

For more, see our review of Foresters Life Insurance Company, or simply give us a call.

Gerber Life

While being best known for their baby food and Gerber Grow Up Plan, Gerber Life Insurance is also a major player in the guaranteed issue life insurance arena.  And why shouldn’t they be!  With an A.M. Best rating of “A” along with a no medical exam and no medical question whole life insurance option, Gerber can and often is the “Go to” company when it comes to insuring those with a serious medical condition.

Product Highlights.

  • Guaranteed approval for anyone ages 50-80.
  • No medical exam or health questions required.
  • Fixed payments throughout the life of the policy.
  • Policy comes with a 30 day “free look” period to ensure satisfaction.
  • Coverage up to $20,000.

Potential Downsides:

  • Policy comes with a 2 year graded death benefit.
  • As with any whole life insurance policy, premiums can be expensive.

For more, see our review of Gerber Life Insurance.

Phoenix Life Insurance Company

Offering quick and easy term life insurance, Phoenix Life's Safe Harbor Term Life Express should be considered by anyone looking for no exam coverage.

  • Available for ages 18-80
  • Term Length: 10, 15, 20 and 30 Year (availability based on age)
  • Face Amounts: $25,000 to $400,000 (availability based on age)
  • Accelerated Benefit Riders (where available):
    • Critical Illness
    • Chronic Illness
    • Terminal Illness
    • Unemployment waiver of premium rider
  • Conversion Option

For more on the company, please see our review of Phoenix Life Insurance Company.

Sagicor Life Insurance Company

It’s tough to create a top 10 easiest life insurance policies to get without mentioning Sagicor Life Insurance Company.  In fact, Sagicor is quickly becoming our “go to” provider for many of our clients today!

With a strong A.M. Best rating of A- (Excellent) along with its quick and easy underwriting process, it can at times be difficult not to recommend them first even with clients who have a pre-existing condition.  In fact, in our opinion here at TermLife2Go, there doesn’t seem to be any other company in the marketplace right now that offers a superior “no medical exam” term or universal life policy in terms of efficiency and ease of use.

Sagicor offers three rate classes: preferred, standard, and table rated. Many of our clients who do not want a medical exam due to time constraints or a fear of needles have been placed with Sagicor. They also offer a great alternative for no exam coverage with diabetes.

The face amounts on no medical exam term life insurance range from $25,000 all the way up to $400,000. The face amounts on the no medical exam universal life insurance ranges from $25,000 to $400,000.

Sagicor also excels in  fast approval times.  A typical application for the simplified issue no exam term life or no physical exam universal life insurance policy can usually be completed in less than 30 minutes, and that’s including your wait time for approval!

For more, see our review of Sagicor Life Insurance.

Transamerica Life Insurance Company

Founded in 1928, for the purpose of serving the small business and farming community, Transamerica has gone on to become one of the premier life insurance companies in the country today.

With an outstanding A+ rating from A.M. Best, and practically zero overall consumer complaints, its no wonder that Transamerica continually ranks as one of the number one insurance companies for customer satisfaction.

For this reason and this reason alone, when given an option, Transamerica life insurance should always be at the top of anyone’s list when considering which insurance company to go with.

For more, see our review of Transamerica Life Insurance Company.

Caution: Generally, easy issue life insurance policies such as a simplified issue policy (no medical exam required) or a guaranteed life insurance policy (no medical exam or health questions required) should be reserved for the “very healthy” or the “very sick”.

The bottom line: it may be easier than you think to get life insurance

So while it’s great to know that there are options out there for someone to get life insurance fast, for some, the easiest life insurance policy to get is one that is submitted to the right insurance carrier and does require a full medical exam. 

Written by
We are a team of life insurance experts with the simple mission of helping you find the best coverage for your unique situation. We research, review, and rank life insurance companies to make that process easier.