Non-Medical Term Life Insurance

Non-Medical Term Life Insurance is a wonderful recent innovation in term life insurance made possible by easy access to information and the Internet. 

"Instant Term" Life Insurance is available nationwide.  Yes... the plan is "non-medical".  In other words, you don't have to qualify by taking a medical exam and filling out a paper application.  You do still need to qualify though.  The easy on-line application can be completed in a few minutes with no paperwork and no exam.  In other words-- no needles and no urine.  In general, non-medical term life insurance policies are offered in face amounts from $25,000 to $1,000,000 in coverage and in 10, 15, 20, and 30 year terms.


Although these plans are not usually convertible, customers that choose this type of coverage are looking for fast, easy, and hassle free protection.  We've found non-medical "instant term" plans are ideal for:

  • Individuals in average health who may not experience much benefit in the form of lower premiums by being willing to undergo a free medical exam for a fully underwritten policy. 
  • College students looking to protect their parents from debt liabilities associated with educational loans.
  • Individuals who have a fear of needles and want to purchase a plan that does not involve getting their blood drawn.
  • New business owners requiring a fast solution when it becomes mandatory to obtain collateral for a business loan. 

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No Obligation Instant Quotes

West Coast Life's EZ App for Fast Approvals

For over a century, West Coast Life Insurance Company has been a pioneer.  The A+ rated carrier has chalked up several "firsts" in the industry since 1906.  Their aggressive pursuit of smoother sailing with respect to life insurance