No medical carriers are The Principal, Lincoln Financial, Banner Life and Sagicor Life. The Principal will issue up to $1,000,000 coverage on a non medical basis, between age 18 and age 60, if you are in very good health. Banner Life and Lincoln Financial offer non medical coverage up to age 50. Sagicor Life now offers up to $500,000 non medical life insurance between age 18 and age 65 if you qualify.
These term life policies require a physical be done. They are offered by Prudential, Banner Life and Protective Life. The company will send a nurse or Paramedic to your home or office to do the examination.
These non medical policies are issued pretty quickly if you qualify. You do need to be in fairly good health. You can get your Principal Financial policy or Sagicor Life policy approved in as little as 48 hours.
The quotes you get are for the term insurance policies, the agent will provide rates on whole life and universal life policies if you are interested in those policy types.
A medical exam may be required by Banner Life, it all depends on your health.
You then proceed to get your quotes, keep in mind that you can get up to $1,000,000 on a non medical basis. A medical exam is required by some carriers and for much larger policies, up to $10,000,000.
After you get your quotes you are required to complete a short questionnaire, a Licensed Agent will call you shortly afterwards to complete the medical questions.