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Instant Issue
Life Insurance

Are you looking for protection and peace of mind without the hassle of a lengthy application process? Instant issue life insurance could be the answer. Finding the right provider with the policy you need is easy, thanks to our comprehensive guide to the best instant issue life insurance providers of 2023.


Get approvals quickly with no exams required.

Cost more than regular underwritten policies.

Ideal for getting coverage in the quickest amount of time.

Understand Your Instant Issue Life Insurance Needs

Before getting instant issue life insurance, it’s essential to consider your coverage needs. Life insurance can be used to make sure your loved ones have financial security should the worst happen, and selecting the right policy can make all the difference in making sure they’re taken care of. Take the time to understand your needs and decide which provider best suits your requirements.

Different types of life insurance policies come with varying eligibility requirements and costs. Think carefully about the benefits that you’re looking for when choosing a plan, and don’t be afraid to compare among life insurance providers before making your selection. In addition to understanding what type of policy you need, look closely at the premium and payment term structure. Many life insurance companies also offer instant issue policies, which involve fewer steps during the application process and can make it easier to get coverage quickly. Take the time to research your options and choose a policy that will best meet your needs now and in the future.

Instant Issue Term Life Insurance


instant issue term life insuranceIf you need guaranteed term life insurance that is free of the usual annoying processes involving lengthy personal details, medical tests and endless weeks of expecting underwriter’s approval; go for the Instant Issue Life Insurance. This life insurance offer eliminates all the stress and delay in the issuance of your chosen coverage.

Sometimes, you don’t have the time to waste, expecting underwriting approval when facing deadlines in a business or personal emergencies needing a life insurance policy. When you need instant issue life insurance for an urgent business loan deal or to meet a divorce requirement; in such situations, what you need is an instant issue life insurance.

Instant Issue Life Insurance Comparison Chart

When considering an instant issue life insurance policy, it’s essential to compare the options available to find the best one. Our comparison chart outlines the different features and benefits each top provider offers, so you can quickly and easily identify which policy is most suitable for your needs. This chart also provides information on premium rates and coverage limits, allowing you to make an informed decision about your future.

 Best Instant Issue Life Insurance 2023 - Coach B. Life Insurance 1Best Instant Issue Life Insurance 2023 - Coach B. Life Insurance 2Best Instant Issue Life Insurance 2023 - Coach B. Life Insurance 3


$50,000 – $400,000

$50,000 – $400,000

$50,000 – $500,000


18 – 80

18 – 80

18 – 50


Yes, for the first half of the term


Yes, during years 1 – 5






$33.31 per month

$23.28 per month

$24.99 per month


Check Out Rates from 50 Top-Rated Companies

Get your FREE online instant issue life insurance quotes in less than a minute – Save up to 70%

Compare Instant Issue Life Insurance Providers & Plans

It’s essential to compare the different instant issue life insurance providers and plans before committing to one. To make an informed decision:

  1. Consider their policy options, premiums, coverage amounts, company policies, and coverage limits.
  2. Do your research and ensure you find a proper plan for your and your family’s needs.
  3. Read the fine print to understand precisely what each policy covers and compare features such as death and living benefits.

 Be aware of any restrictions or limitations you may face since some providers may only offer instant issue life insurance for specific age groups and for those who do not have pre-existing medical conditions. In addition, be sure to research the company’s customer service ratings and the financial strength of their policies to ensure your policy is trustworthy and secure. Finally, check out any discounts they offer, such as multi-policy discounts or getting a policy with multiple insured members to save money on premiums.

Consider Different Policy Features & Riders

When shopping for an instant issue life insurance policy, consider the features and riders available. Look at the types of policies and riders offered – such as accidental death benefit waiver, return of premium rider, or chronic illness rider. Consider what your family would need in the event of your passing and choose a policy that will provide them with the best protection should something happen to you. Also, remember that some plans have riders that cover health conditions – so research any pre-existing ailments you may have to ensure your new life insurance policy securely protects each one.

Don’t also forget to consider the cost of coverage. Make sure to find an affordable policy for your budget that still offers the protection and peace of mind your family needs. You can also look for extras, such as additional coverage for particular life events and conditions or extra money if you pass away outside of the home environment. Most instant issue life policies will have options that range from basic coverage to more comprehensive plans – so make sure to carefully review any procedures you are considering before signing up.

Life insurance with no waiting period 

life insurance with no waiting period It takes a few minutes to go through the process. Select “get a quote” above; treat some short questions, and your coverage quotation will be ready. You can instantly start your application with some health-related questions answered and meet our agent to confirm your policy within minutes. Without any delay, you will know if you are approved and the amount to pay for your policy; settled!

The instant issue life insurance otherwise called non-medical life insurance is tailored towards healthy people from 18 to 60 years of age. There are instances where young and healthy people get lesser rates compared to fully underwritten policies. The standard coverage period is 10, 15, and 20 years with an amount between $25,000 and $500,000 per coverage.

Ready to see the plans and pricing?

Instant life insurance quotes on your no medical exam life insurance 

instant life insurance quotesAlthough no medical test is required, being honest regarding your true medical status is vital to guarantee the validity of your life policy. In the case of death or it is revealed within the period of contestability (usually within 2 years of your policy) that you lied in your answers, it could lead to termination of your policy and any claim rejected. It is therefore imperative, to be honest in your insurer.

The Instant issue life insurance policy is among the hassle-free policies to get when you need to buy life insurance online no medical exam fast. 

Buy life insurance online instantly

instant life insurance quotesYou are able to see quotes and submit an application online simply by giving answers to some health questions.

With an individual’s permission, the company retrieves important information regarding you from a variety of sources. For example, it can easily get a hold of what prescription drugs you have taken through examining prescription databases. It will check out your motor vehicle report to find out if you’ve experienced any driving infractions.

And it will check information from the MIB Group to figure out if any medical conditions came up after you applied for specific health or life insurance using other companies. Operated by its representative insurance companies, MIB keeps an archive of important information from insurance applications.

Guaranteed Acceptance Life Insurance No Health Questions

life insurance no health questionsYou know if you’re accepted as soon as possible after filling out the application.

Basically, no one who is actually accepted for insurance coverage by a Coach B. carrier needs to take a medical exam. Individuals with medical issues may possibly have to simply take a medical exam with other company’s carriers.

Frequently Asked Questions

What Is Instant Issue Life Insurance?

Instant issue life insurance is a type of life insurance policy that can be issued quickly and with limited underwriting. The simplified process allows the insured to get their coverage within minutes, often online or over the phone. This eliminates the need for tedious paperwork and lengthy wait times associated with traditional face-to-face policies.

What Are The No Waiting Period Life Insurance Options?

Several life insurance companies provide policies with no waiting period, including John Hancock, Protective Life Insurance Company, and Americo Financial Life and Annuity. These policies offer immediate death benefit coverage from the day you purchase the policy.

What Life Insurance Policies Go into Effect Immediately?

Some life insurance policies, such as whole life and universal life, have an immediate death benefit. That means as soon as your policy is issued and you make the required premium payment, it will take effect, and you can start receiving coverage. Term life insurance is also a type of policy that typically takes effect immediately upon purchase or just 1-2 days later.

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