No Exam Life Insurance

No Exam Life Insurance

Are you between the ages of 18 and 70 and without life insurance? You are not alone since only 57% of Americans have life insurance. Leaving a financial burden on your loved ones with credit card & medical debt, mortgages and funeral expenses can be catastrophic. If you are like most people with limited monthly budget and have procrastinated because you didn’t think you could afford it or have a pre-existing medical condition and have been declined. We have a insurance solution for you from an A+ Rated (A.M. Best) Insurance Company named Mutual of Omaha. Mutual of Omaha can provide you the peace of mind you and your family deserve at a budget you can afford.

What is No Medical Exam Life Insurance?

When you apply for life insurance, the insurance carriers have an Underwriting Department that will review your eligibility and if you qualify, issue you the life insurance policy. As part of the underwriting process, they will perform all or part of the following:

  • Review MIB (national medical claims database)
  • Review Prescription drug history
  • Review your driving history
  • Review your personal credit history
  • Order medical exam (height, weight, blood and urine labs)
  • Order paramedical records from your physicians
  • Conduct tele-interview

We all live busy lifestyles and a medical exam is time consuming and delays issuance of the life insurance policy. Direct Insurance Solutions has an affordable life insurance without medical exam solution.

Mutual of Omaha Term Life Express

Mutual of Omaha offers an affordable term life insurance product that does not require a medical exam or labs. The Term Life Express product offers simplified underwriting which means that there are limited health questions on the application. Term Life Express is not guaranteed issue which means you could still be declined if you have certain pre-existing conditions.


  • Ages: 18 -70
  • Meet height & weight requirements
  • Minimum Face Amount: $25,000
  • Maximum Face Amount: $300,000

Simplified Underwriting Classes:

  • Standard tobacco
  • Standard non-tobacco

Living Benefits are Included at NO EXTRA COST

Chronic Illness – is triggered when the insured cannot perform at least 2 of the 6 “activities of daily living” (bathing, continence, dressing, eating, toileting, transferring) for a period of at least 90 days.

Terminal Illness – If an eligible insured is diagnosed with an illness or condition that is expected to result in death within 12 months or less.

Critical Illness – If an eligible insured is certified by a physician as having one or more of the following conditions within the last 12 months: ALS, kidney failure, life-threatening cancer, heart attack, stroke and others

Why Direct Insurance Solutions?

Award winning insurance agency that has helped thousands find affordable coverage and represents hundreds of regional and national carriers built on the following foundation:


  1. Offer the most affordable and comprehensive insurance solutions regardless of household budget
  2. Offer the best A rated (A.M. Best) insurance carriers
  3. Over 20 years experience to help you navigate through cumbersome underwriting process
  4. Offer best-in-class service
  5. Easy to do business with

Our mission at Direct Insurance Solutions is to get you the coverage you need, the services you want, and the respect you deserve, regardless of your budget.

Get your free no-obligation life insurance quote for today!

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