No Medical Exam Life Insurance  

Instant Approval, Underwritten By You - Not Us
Affordable Term Life Insurance

Are you considering life insurance, but worried about your eligibility?

There are plenty of reasons you may be seeking out life insurance. In Chicago, no medical exam life insurance with no waiting period is becoming more popular as fewer people want their policy to be determined by their current health.

Life is better with Life Assurance.  Enroll and enjoy peace of mind instantly today.

$5,000 Policy
Individual 1 Year Term
$75 Annual Premium

No Medical Exam

$10,000 Policy
Individual 1 Year Term
$150 Annual Premium
No Medical Exam

$15,000 Policy
Individual 1 Year Term
$225 Annual Premium

No Medical Exam

Life Insurance – No Medical Exam Required

Life Assurance offers life insurance policies with no medical exam required and no waiting period to ensure Chicago residents can receive a life insurance policy based on their representations of their health. We believe that everyone deserves peace of mind without undergoing a medical exam. Everyone gets the same price.


In the standard life insurance underwriting process, you might be asked to complete a medical exam. This exam is to ensure that you are in good health and have no pre-existing conditions that could affect your life in the near-term. This also helps the life insurance company assess the risk they are assuming by taking you on as a policyholder.

Chicago Life Insurance | No Medical Exam | No Waiting Period Policy

For many, however, these standards make it impractical to get life insurance when you have a pre-existing medical condition or are in too poor health to qualify. Not to mention the medical exam can be uncomfortable or impractical for some, limiting your options for a life insurance policy when you need it most. For this reason alone, get your policy instantly today with Life Assurance Company of America. Underwritten by you, not us.

Chicago Life Insurance | No Medical Exam | No Waiting Period Policy

No Waiting Period Insurance Policy

At Life Assurance Company of America, you provide us with basic information and that's it! There are no needles, no urine test, no up-close-and-personal exam, and no uncomfortable situations or appointments that take time out of your day. Affordable life insurance from a Chicago agency — at the click of a button. Our process minimizes the information we need to provide you with simplified issue life insurance coverage that has been created with you and your family in mind.

With other companies, if you’re looking for life insurance, chances are, you need coverage now, not in a few months. Most policies can take a few months to go into effect and won’t cover you in the event something happens before the policy coverage begins, or after it lapses.


We believe that you should not have to wait months for your life insurance policy to go into effect. You should receive coverage from the moment you enroll for immediate peace of mind.

Chicago Life Insurance | No Medical Exam | No Waiting Period Policy

At Life Assurance Company of America, our instant simplified issue life no waiting period insurance policies provide coverage that requires no waiting period for Chicago locals who need coverage now. No uncomfortable medical exams either! Every part of the process is handled online with the help of our dedicated team.


Your policy will be issued based on your health representations as outlined in our terms and conditions; nnothing else is required to receive life insurance from our range of products. Other than your representations to us, we do not look at your medical history, occupation, living situation, or driving history. After you’ve enrolled online with our Chicago office, your no-waiting-period life insurance policy will go into effect immediately without further questions, and we will always be available to answer any questions you have about your policy, or if you need to update your information.

How Does Life Insurance Work?

There are multiple types of life insurance. At Life Assurance Company of America, we offer simplified-issue no-waiting-period life insurance policies. Our Chicago agency makes sure everything is filled out digitally, with no face-to-face interaction or difficult appointments to travel to, keeping you safe at home throughout the process.


Keep in mind that with this life insurance policy, no medical exam is required to determine eligibility. We provide a simple application form for you to complete.

Chicago Life Insurance | No Medical Exam | No Waiting Period Policy

Upon approval of the policy of your choice ($5K, $10K, $15K), you immediately receive life insurance coverage. Every policy covers up to a selected death benefit amount meant to reduce or remove any undue financial hardship on your family upon your death.

The Benefits of Simplified Issue Life Insurance Policies

When shopping for no-medical-exam, no-waiting-period life insurance in Chicago, you might be weighing the pros and cons of different policies and whether they suit your needs. In most cases, you only need basic life insurance coverage to prevent financial hardships on those you care about. Recent statistics show that 47% of Americans are now choosing to enroll in simplified issue life insurance for a few reasons:

No Medical Exam

You might be surprised to learn that Life Assurance’s policies do not require a medical exam. This is great news if you are concerned about your ability to pass a medical exam, or if you are too busy to make it to an appointment.

Fast Approval

This type of policy can provide eligibility results immediately compared to other policy types. This is perfect if you are concerned about your health or feel you need life insurance for Chicago daily life or an upcoming trip.

Convenient Enrollment

With simplified issue life insurance, there is no medical exam, no face-to-face appointments, and no long waiting period for coverage, making it one of the most convenient ways you can get life insurance in Chicago, especially with Life Assurance’s digital-only interface.

Underwritten By You, Not Us

This policy is underwritten by you, not us. Your policy is determined on your representations, making it easier to get approved to purchase one of our policies.

What Kind of Life Insurance Does Not Require an Exam?

Many people in Chicago choose no-medical-exam life insurance policies because they are concerned about undergoing a medical exam to determine eligibility for the policy. Whether it is because of a pre-existing health condition or inability to make it to an appointment, there are options available.


There are two main types of policies available on the market without a medical exam: guaranteed issue life insurance, and simplified issue life insurance.


At Life Assurance, none of our policies require a medical exam to get started. We offer simplified issue life insurance policies to give you the most direct and most accessible policy possible.

Chicago Life Insurance | No Medical Exam | No Waiting Period Policy

In most cases, simplified issue life insurance is the standard for individuals who just want to reduce or remove their family’s financial burden caused by their passing. These policies cover the average cost of a funeral and burial plot, up to $15,000 in coverage depending on your chosen life insurance plan.

Why Choose Life Assurance Company of America?

Life Assurance Company of America is a privately held Illinois stock life insurance company that is licensed and domiciled in Illinois. The company has been in business providing traditional life insurance policies in the Chicago area since 1970.


In the face of a changing world with more people utilizing the internet to purchase essentials, Life Assurance has since transitioned into an online-only insurance company providing digital-direct life insurance policies to individuals.


Our mission is to provide a life insurance policy that you can rely on. Your enrollment makes you more than a client – it makes you a part of our family. We work hard so that you and your family are protected, no matter what happens.

Life Assurance Company of America – Coverage Policy Limits

At Life Assurance Company of America, we have three different policy limits ($5K, $10K, $15K) which provide you with different coverage amounts based on your needs.


Finding the right coverage is an important part of the policy search. This is especially true if you are looking to cover death expenses so close family members don’t have to. If you are the primary provider in the family, having life insurance coverage can greatly relieve the financial burden placed on the family, allowing them to recover from the loss easier.


Your life insurance policy should be simple and fit your needs, which is why we provide three different insurance limits for individuals.

“Life insurance has no one-size-fits-all option. Singles with no dependents often need little or no coverage. But it can be an important purchase for people whose families depend on their income to cover daily living costs, mortgage repayment, college, retirement or other major expenses.”

  • Jason Alderman

Chicago Life Insurance | No Medical Exam | No Waiting Period Policy

We strive to tailor our insurance policies to what you need, changing the way insurance works. The average person doesn’t need all the bells and whistles of an insurance plan from a large company.

Life Assurance recognized the need for simpler, more straightforward life insurance policies for the average person and sought a way to provide it all, exam-free and online.

$5,000 Instant Term Life Insurance Policy

  • $5,000 one-year term life insurance policy goes into effect immediately with instant issue underwriting  

  • At the top life insurance agency in Chicago, no medical exam is required, and all underwriting is based on your completed application and representations

  • The annual policy provides a death benefit of $5,000 for an annual premium of $75

  • Upon approval and a one-time payment of your premium, your policy is instantly issued and you are immediately covered

  • When your policy expires, you may renew or choose a different policy limit

  • Premiums are the same for both men and women between the ages of 18-65

Chicago Life Insurance | No Medical Exam | No Waiting Period Policy

$10,000 Instant Term Life Insurance Policy

  • $10,000 one-year term life insurance policy goes into effect immediately with instant issue underwriting  

  • No medical exam is required, and all underwriting is based on your completed application and representations

  • The annual policy provides a death benefit of $10,000 for an annual premium of $150

  • Upon approval and a one-time payment of your premium, your policy is instantly issued and you are immediately covered

  • When your policy expires, you may renew or choose a different policy limit

  • Premiums are the same for both men and women between the ages of 18-65

Chicago Life Insurance | No Medical Exam | No Waiting Period Policy

$15,000 Instant Term Life Insurance Policy

  • $15,000 one-year term life insurance policy goes into effect immediately with instant issue underwriting  

  • No medical exam is required, and all underwriting is based on your completed application and representations

  • The annual policy provides a death benefit of $15,000 for an annual premium of $225

  • Upon approval and a one-time payment of your premium, your policy is instantly issued and you are immediately covered

  • When your policy expires, you may renew or choose a different policy limit

  • Premiums are the same for both men and women between the ages of 18-65

Chicago Life Insurance | No Medical Exam | No Waiting Period Policy

How Does No Medical Exam Life Insurance Work?

No medical exam life insurance works by agreeing to our terms and conditions and using those as a representation of your current health.

The information and representations you provide in your application replaces the information typically obtained through a medical exam in other policies, allowing you to proceed to the approval stage much faster than average.

From the start of your coverage period, you are insured. With an accelerated underwriting process, there is no waiting and no pending exam period. Your premium is based on the policy limit you choose upon enrollment, and your information can be updated at any time.

This type of life insurance is ideal if you just want a simple policy you can rely on without all the extra bells and whistles. It is particularly beneficial if you generally healthy, within the ages of 18-65 and you want avoid a medical exam.

HAVE QUESTIONS?

It’s important to choose the coverage that is right for you and your family. If you are unsure on how it works or want to learn more about a specific policy, you can learn more at the click of a button. Contact us today to learn more or visit our FAQs (frequently asked questions).

Life Assurance Company of America provides a completely online digital experience to ensure you receive the best customer service possible. No more waiting on hold for hours or figuring out complicated phone menus. Visit our About Us page and fill out the contact form today. One of our representatives will be in touch in no time to answer your questions. If you are looking for an answer now, simply talk to a representative via our messenger .

Chicago Life Insurance | No Medical Exam | No Waiting Period Policy

How Much Life Insurance Can You Get Without an Exam?

The amount you may be covered for without an exam can vary based on the insurance company and your current health. In a standard life insurance company that requires an exam, these factors can play a greater role in how much you are eligible to receive.

At Life Assurance Company of America, we provide simple life insurance policies that cover up to $15,000 in death benefits for individuals who sign up that are between the ages of 18 and 65. Individuals who sign up in this age group do not need to take a medical exam to be eligible to receive a policy.  This helps your family with expenses resulting from your death.

Have questions? Want to see if you qualify for a life insurance policy? Chat with a representative today.

How to Apply for Life Insurance with No Medical Exam

Are you worried about what will happen after you pass? When you start to consider a life insurance policy, it can be daunting as you discover more questions than answers.

How will your estate be divided, and what will your beneficiaries do without you providing for them?

Can you get life insurance with a pre-existing medical condition?

Life Assurance Company of America is here to help. We are changing the way insurance works to better benefit you and your family by building products that are built for – and focused on – you.

Contact us today and we can help you choose the right life insurance option for you and your family.

We offer multiple life insurance policies ($5K, $10K, $15K), so you are covered no matter what your needs are. We do not require a blood, physical, or urine test for your acceptance into a life insurance program, as every application is based on your representations.

Contact us today and talk to one of our representatives. Peace of mind starts with the click of a button.  For questions, check out our FAQ section.

 

References:

  1. Jason Alderman, Life Insurance 101, https://www.huffpost.com/entry/life-insurance-101_b_1133878

Chicago Life Insurance | No Medical Exam | No Waiting Period Policy

$5,000 Policy
Individual 1 Year Term
$75 Annual Premium

No Medical Exam

$10,000 Policy
Individual 1 Year Term
$150 Annual Premium
No Medical Exam

$15,000 Policy
Individual 1 Year Term
$225 Annual Premium

No Medical Exam

Life Assurance Company of America is creating new products & services everyday