Savings Bank Life (SBLI) AU program - a client between the ages of 18 to 49 can purchase up to $500,000 of Term Life or Whole Life Insurance WITHOUT the need for an Exam or Labs (some companies may offer that to very healthy clients but SBLI Guarantees that no Exams or Labs will be required). A client between 50 to 60 can purchase up to $500,000 of Term Life or Whole Life Insurance WITHOUT the need for an Exam or Labs IF they have had a Routine Annual Exam from their Primary Care Provider within the past 24 months.
Pacific Life's Smooth Sailing program - a client between the ages of 50 to 69 can purchase up to $1,000,000 of Term or Perm Life Insurance WITHOUT the need for an Exam or Labs IF they have had a Routine Annual Exam (including Labs) from their Primary Care Provider within the past 18 months.
Fidelity Life's Simplified Issued program - offers your client level death benefit term insurance issue ages 18 - 65 renewable to age 95 for face amounts between $25,000 to $100,000. Policy issuance does not require a medical examination. Instead, approval for the policy depends upon your answers to health questions on the application, MIB, Rx and MVR database checks.
