How to Qualify for Assurity Life’s No-Exam Life Insurance Policies: Insider Tips & Requirements
Assurity Life is a respected name in the simplified issue life insurance space, offering policies that don’t require a medical exam for approval. This makes it a great choice for individuals who want quick coverage without the hassle of lab tests or physician visits. But no-exam life insurance still has underwriting guidelines you’ll need to meet.
Here’s a detailed look at how to qualify for Assurity Life’s no-exam life insurance policies, plus insider tips to increase your chances of approval.
What Types of No-Exam Policies Does Assurity Offer?
1. Simplified Issue Term Life Insurance
- Coverage amounts: $25,000 to $500,000 (varies by age)
- Term lengths: 10, 15, 20, or 30 years
- Includes optional riders like critical illness, accidental death, and child riders
2. Whole Life Insurance (Simplified Issue)
- Smaller face amounts for final expense protection
- Lifetime coverage with fixed premiums
3. Accidental Death Insurance
- Instant approval for accident-only death coverage
Assurity’s simplified term life is the most popular no-exam product, offering higher coverage amounts and flexible terms.
Basic Qualification Requirements
To qualify, you must:
- Be between 18 and 65 years old (some products allow applicants up to 70)
- Be a U.S. citizen or permanent resident
- Have a generally good health history with no major uncontrolled medical conditions
- Complete a simplified health questionnaire
- Consent to an electronic background check, including:
- Prescription drug history
- Motor vehicle records
- Medical Information Bureau (MIB) check
- Sometimes credit-based insurance scores
No bloodwork or medical exams are required, but these electronic checks help Assurity assess your risk.
Health Conditions That May Affect Eligibility
Approval decisions are based on your answers to health questions and electronic records. Conditions that could complicate approval include:
- Recent cancer diagnoses or treatments
- Insulin-dependent diabetes (depending on other factors)
- Heart disease or stroke within the last few years
- COPD, emphysema, or severe asthma
- History of drug or alcohol abuse
- Hospitalization for mental health in the past 2 years
- Terminal illness diagnosis
However, many stable or well-managed conditions may still be approved, especially for lower coverage amounts.
Insider Tips to Improve Your Approval Odds
1. Be Honest on the Application
All responses are verified through electronic checks. Inaccuracies can lead to denial or policy cancellation.
2. Take Medications as Prescribed
Non-compliance with treatment plans (missed medications, uncontrolled health issues) can raise red flags during underwriting.
3. Review Your Prescription History First
Your pharmacy record is a key factor. If you recently stopped a medication, make sure your doctor has updated your records.
4. Disclose Tobacco Use Accurately
Tobacco users can still qualify but will pay higher premiums. Omitting this detail will show up in pharmacy or medical databases.
5. Clean Driving Record Helps
Major recent driving violations, DUIs, or reckless driving convictions could affect your eligibility.
6. Ask About Reapplying Later
If you’re declined today due to a recent health event, you may qualify in the future after your health stabilizes.
Optional Riders That Can Add Value
Assurity offers several add-ons to customize your no-exam policy:
- Critical Illness Rider: Pays a lump sum if you’re diagnosed with a covered condition like cancer, stroke, or heart attack
- Accidental Death Rider: Adds extra payout for accidental death
- Child Term Rider: Covers dependent children with small amounts of term coverage
- Accelerated Death Benefit Rider: Allows you to access a portion of your death benefit early in the event of terminal illness (often included automatically)
How Long Does Approval Take?
Most applicants receive a decision within 24 to 72 hours, although occasional cases may take up to a week if additional reviews are needed.
Coverage can begin immediately upon approval and first premium payment
Final Thought
Assurity Life’s no-exam life insurance policies are a fast, flexible way to secure life coverage without the delays and discomfort of a medical exam. While the underwriting is more lenient than fully underwritten policies, it still requires accurate disclosures and stable health for approval.
If you’re between 18 and 65, in reasonably good health, and seeking up to $500,000 in life insurance protection, Assurity’s simplified issue policies could be an excellent fit.
Consider working with a licensed insurance agent who can pre-screen your eligibility and help you apply for the right coverage level. The process is fast, straightforward, and designed for people who want peace of mind without the paperwork.