IWME Life

Life Insurance Without Medical Exam

A Life Insurance solution without medical exam that provides instant protection even if your clients are difficult to insure.

Only 6 eligibility questions

IWME Life Insurance enables you to provide your clients instant coverage without the constraints of traditional underwriting. Boost client confidence with a simple and easy to use application.

Target Market

  • People denied elsewhere
  • Individuals in need of immediate Life Insurance
  • Clients who are difficult to insure due to: risky occupations, extreme sports, criminal records, pending test, excessive drug and alcohol use, overweight, diabetes, HIV and more.
WHAT MAKES US STAND OUT

Highlights

  • Only 6 eligibility questions (online)
  • Issued instantly
  • No medical exam required
  • No questions about previous declines
  • No deferral period
  • No reduction in coverage based on insurability
  • No questions about height or weight
  • No driving record or medical reports required
  • No questions about dangerous sports
  • No questions about foreign travel
  • No questions about type of occupation
  • Monthly credit card payment with no additional fees
  • Competitive commission

						
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PROTECTION DETAILS

Main features

  • No medical exam
  • Issue age: 18 to 70
  • Benefit amounts from $5,000 to $300,000*
  • Available terms: T10, T20 or T100
  • Pre-existing clause of 12 or 24 months
  • Renewal guaranteed up to age 80 (T10 and T20)
  • Convert to T100 for T10 and T20 up to age 65
*Combined maximum of $300,000 for Term and Permanent Life Insurance

 

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