SIMPLE ANSWERS TO COMMON QUESTIONS

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DO I need any medical records ?

Medical report are not necessary

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how long is the process ?

Policies can be issued in one day.

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is a medical exam required ?

no medical exam is required

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How much can i apply for?

Up to $500,000

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what will be looked at ?

MVD (Motor Vehicle Department Records)
MIB (Medical Insurance Bureau)
RX (Pharmacy Records)

THE NMER BENEFITS

  • Simplified Issue Term Life Insurance
  • You Select the Amount of Protection Needed
  • Accidental Death Benefit 'doubles' your protection(optional)
  • Conversion Option to a Permanent Plan WithoutEvidence of Insurability
Apply Now get your free quote

FAMILY PROTECTION IS OUR TOP PRIORITY

AND WE BELIEVE THAT IT SHOULD BE EASY TO FIND AFFORDABLE LIFE INSURANCE

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Permanent Life Insurance

A combined savings plan (that you can utilize while alive) and death benefit that allows for borrowing funds to help meet your future goals.

Why Permanent Life Insurance?

  • Insurance that can be used while still living
  • Offers benefits to the insured that suffers from heart attack, cancer or stroke and lives
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Term Life Insurance

We have contracted with numerous carriers to provide you with term life insurance that is easy to understand, affordable and easy to apply.

Why Term Life Insurance?

  • Need the most coverage for the least amount of premium
  • Need coverage for a set period of time
  • Want the ability to convert term into a permanent policy without having to requalify
  • Does not want to hassle with completing a para-med (blood and urine analysis)
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Universal Life Insurance

We offer affordable universal life insurance solutions to protect for a lifetime of coverage.

Why Universal Life Insurance?

  • Flexibility to adjust your premiums and possibly, coverage amounts
  • Cash value that you may be able to borrow from, while you're still alive
  • Potential growth

APPLICATIONS ARE FAST & EASY

WHY CHOOSE NMER

AND WE BELIEVE THAT IT SHOULD BE EASY TO FIND AFFORDABLE LIFE INSURANCE

No Medical Exam Required has been in business since 1975 and have written over 15,000 life insurance policies. Our platform was built for the client who wants clear control over the buying process. And our system is designed to save you time and money.

We are an independent agency, and we shop only A-rated carriers to find you the best prices

Each carrier has different underwriting criteria and it pays to chat with our agents to determine how each company will rate.

FASTER & LESS-INVASIVE LIFE INSURANCE

IS NOW FINALLY AVAILABLE WITH NO IN-PERSON VISITS AT HOME

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The old way to apply for life insurance:

You will complete an application covering your personal information and medical history (commonly known as a paramedical exam).

Typically, paramedics will be scheduled for a home visit

where they will :

  • Review your medical history
  • Take your height and weight
  • Check your temperature
  • Check your blood pressure
  • Check your pulse rate
  • Perform some additional invasive elements of a physical exam

Your application is then submitted and you could wait days if not weeks to receive feedback and an approval.

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The NEW & EASY way from NMER:

You will provide some basic personal information via our online application or an easy 20-to-30-minute telephone conversation which will be scheduled at your convenience.

A courteous insurance professional will ask questions about your medical history.

Your application is then submitted and you will receive feedback and notification of approval (if approved) within a few days.

get your free quote
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GET QUICK ANSWERS

Use our online chat to get FAST answers to ANY questions

  • How much life insurance do i need?
  • What are the height & weight requirements?
  • What determines my price?
  • If I am diabetic, will they insure me?
  • Who can be my beneficiary?
  • What rider are available, such as accident and disability?
  • What is the difference between Term & Whole Life?
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PROTECT YOUR FAMILY

Your death benefit can be used in MANY different ways

  • Pay off your mortgage and keep your loved ones in their home
  • Pay off ALL debt
  • Fully or partially fund college
  • Fully or partially fund retirement of your spouse
  • Use the money to buy out a business partner
  • Gift the money to your favorite church and charity
  • Create savings accounts for your children and grandchildren

APPLICATIONS ARE FAST & EASY

PREPARE TODAY FOR THE UNEXPECTED

You work hard for your future; it’s about time your future returned the favor. That’s where term life insurance can help protect your family from the unexpected and provide for your family in the event of an untimely passing.

Thinking about the future leads to some important questions about today:

  • Did you know that most households need 5.25 years of income replacement through life insurance and/or savings to respond to a disruptive event without sacrificing their family’s quality of life?
  • If your family has a life insurance gap, are you among the 45% of U.S. households that are “likely to buy” more protection this year?
  • Did you know that No Medical Exam Required Life Insurance Products can help you close your life insurance gap with an affordable solution?

If you’re among the 37.5 million households who do not own a policy, NOW is the time to learn more. Thankfully, affordable and non-invasive long-term protection is now available to you so that you can protect those you love and give yourself the peace-of-mind you deserve.

TAKE A MOMENT AND CONSIDER...

Take a moment and consider all you do for your loved ones. You work hard every day to keep your family safe and healthy. You may budget your finances so that you’re able to meet daily, monthly and annual bills. You put money away for your children’s college education. You invest your money wisely and plan for a wonderful retirement for you and your spouse. That’s just for starters—and that’s exactly why you need the right amount of life insurance NOW.

First, identify your family’s needs and what you need for your peace-of-mind. Then, consider how you can cost-effectively provide long-term protection. Sample monthly premiums for $1,000,000 of coverage with 20-year and 30-year

fully-guaranteed level premium term life insurance.

When you need help or have questions, give us a call at (832) 757-1238. Our team will review your family’s unique situation, needs, and goals. Then, we will help you find the term life insurance policy to protect your family and give you the peace of mind that you deserve.