Life Insurance with No Medical Exam

Fast, easy, and hassle-free coverage designed to protect your family—no doctor visits or lab tests required.

Why Choose No Medical
Exam Life Insurance?

We’re more than life insurance—we’re peace of mind for you and your family. Our policies are designed to protect your loved ones with the simplicity and speed you need.

Quick and Simple Process

Apply online in minutes—no waiting for medical exams or lab results.

Affordable Coverage

Get coverage amounts that suit your needs and budget, up to $150,000.

Stress-Free Approval

Designed for individuals who want a fast and straightforward way to secure life insurance without complicated procedures.

Key Features of Our
No Medical Exam Life Insurance

Fast and Convenient

Receive an instant quote and coverage decision without delays.

Flexible Options

Choose from term or whole life policies tailored to your specific needs.

Few Health Questions Required

Guaranteed approval policies available for those who qualify.

Our insurance process easy
steps
to get covered

We’re more than life insurance—we’re peace of mind for you and your family. Our policies are designed to protect your loved ones with the simplicity and speed you need.

Start Your Application Online

Provide some basic information—no need to visit a doctor or complete lab tests.

Customize Your Policy

Select the coverage amount and type of life insurance that fits your situation.

Get Approved Instantly

Don't worry about if your policy will be approved.

Who Should Consider No
Medical Exam Life Insurance?

Why Features and Benefits

Here’s what makes our Guaranteed Issue Whole Life policies a perfect fit

Trusted Providers

Backed by Assurity, Allstate, and Manhattan Life.

Affordable Rates

Competitive pricing designed to fit any budget.

Comprehensive Coverage

Options for individuals, spouses, and children.

Frequently Asked Questions

Explore our Frequently Asked Questions for quick answers on policies, claims, and coverage, helping you make informed insurance decisions.

What is simplified issue life insurance?

Simplified issue life insurance allows you to apply without a medical exam. Instead, you'll answer a few health questions to determine eligibility. This makes coverage more accessible and faster to obtain compared to fully underwritten policies. Through membership in Live Well USA, you gain access to these simplified plans with trusted carriers.

With BuzzON Benefits, you can secure: For Whole Life Insurance, up to $100,000 in coverage. For Term Life Insurance, up to $150,000 in coverage. These flexible coverage amounts are designed to meet your unique needs and help protect your family’s future.

The insurance is offered exclusively through BuzzON Benefits in partnership with Live Well USA. We collaborate with top-rated carriers to ensure you receive reliable and trustworthy coverage. Our commitment is to deliver exceptional service and accessible solutions for every member.

Membership is restricted from individuals engaged in high-risk occupations or activities that significantly impact personal wellness or safety. These may include, but are not limited to, physically hazardous or high-stress roles where long-term health may be compromised. Anyone that is currently on hospice care, in the hospital , or in an assisted living or nursing is not eligible for membership.