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Life Insurance Companies

The life insurance companies we represent for non medical products are Sagicor Life, the National Life Group, Fidelity Life Association and Assurity Life Insurance Company.

These are very solid carriers and you will find their products very competitive.

Sagicor Life

One of the more outstanding life insurance carriers doing business on-line is the Sagicor Life Insurance Company

No Medical Is Required for these life insurance products.

Sagicor Life is a highly rated company,the parent company is 170 years old. Sagicor Life is rated A-(Excellent) by the A.M. Best company.

They offer fully underwritten policies together with Simplified Issue Term Life, Whole Life and Universal Life policies.

No Medical is required for Simplified issue policies. Here is a brief description of some of the plans available.

Platinum Series Level Term Policies for 10 years, 15 years and 20 years are offered between ages 18 and a65. The maximum coverage offered is $400,000.

Platinum Series No Lapse Universal Life is offered between age 18 and age 65 with a maximum face amount of $249,999.

Gold Series Whole Life is offered with a maximum face amount of $249,999 between ages 18 and age 65

Fidelity Life

Fidelity life is over 100 years old, founded in 1896 as a fraternal benefit society. The company has grown and now has in excess of $23.59 billion of life insurance in force with $481 million in admitted assets.

Fidelity Life offers unique hassle free Rapid Decision Term policies to its clients. No medical exams are required. You do, however, need to provide information on your medical history and your present physical condition.

Assurity Life

Assurity Life is over 120 years old and is licensed to do business in 49 states and the District of Columbia.

They offer a non medial term policy to applicants between age 18 and age 65 up to $350,000 of life insurance. The minimum coverage you can buy is $50,000.

How Much Life Insurance

An important consideration when buying non medical life insurance is how much you need to protect your family needs or your business needs.

You can get up to $300,000 and $350,000 from Fidelity and Assurity respectfully. The National Life Group offers up to $350,000, Sagicor Life offers up to $400,000. What if you need more?

Fidelity has what they call a Hybrid policy which offers up to $300,000 from the outset together with an accidental death benefit policy which when you total both term and accidental death benefit policy you have up to $1,000,000 coverage.

You are required to do a medical within 6 months, however, to keep the additional coverage.

If you want larger policies from the outset you can buy them online as well but you must do a medical exam for these. I ask you the questions, we both sign the application online, then submit it to the carrier.

I can do this because I am a licensed agent. Outstanding carriers you can buy from online are Prudential, Transamerica, ING, Protective, American General and Genworth.

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