No, not always. We work with several carriers that offer no-exam policies. Eligibility depends on your age, health, and the coverage amount you're requesting.
Yes. Many of our carriers offer policies for individuals with diabetes, high blood pressure, and other common health conditions. We help match you with the best-fit provider.
Some policies can be approved the same day, especially if you're applying for a simplified or no-exam option. Traditional policies may take 1–3 weeks depending on underwriting.
Yes. Our service is completely free to use. You’ll never be charged for getting a quote, and we don’t sell your information.
Only if you request a consultation. We never cold call or pressure you — all communication is on your terms.
Absolutely. We use secure encryption, and we never sell or share your information. Everything you submit stays between you and our licensed team.
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