Affordable Life Insurance Protection for Your Family

Easiest Life Insurance to Get

What is the Easiest Life Insurance Policy to Purchase?

Easiest Life Insurance to Get

If you're looking to get the quickest and easiest life insurance coverage available you'll want to consider Term Life.

Today, there are several highly-rated insurance carriers now offering the option for you to purchase your term life insurance policy direct online and begin your coverage immediately upon approval.

These quick-issue plans are usually available for anyone who is healthy band between the ages of 18 to 60. However, the age requirements and health requirements for approval may vary by insurance company.

Some of the leading providers of quick-issue, simplified life insurance plans include Haven Life, Globe Life, Sagicor Life, AAA, AIG, Fidelity Life, MetLife, ANICO and Gerber Life, among others.


Features of the Easiest Life Insurance Plans to Purchase



  • Easy Online Application
  • No Health Exam Required
  • Just Some Health Questions to Answer



  • Apply Online in about 10-15 Minutes
  • Same Day Coverage Upon Approval


Coverage Amount

  • Up to $1,000,000 of Haven Life Insurance available through JRC Insurance Group


* 10 day Risk Free, Money Back Guarantee


NOTE: Each life insurance policy comes with a Free Look Period, so there is no risk. If you are not satisfied with your life insurance you may return your policy and request a full refund of all premiums paid within the Free Look period. 


What is the Easiest Type of Life Insurance to Buy?

There are two basic types of life insurance: Term and Whole (Permanent).

Term life insurance is the easiest type of coverage to buy because it is temporary life insurance lasting for up to 30 years; whereas, whole life is permanent protection for your entire lifetime. 

Most quick issue policies are term life, which is easier to underwrite and approve. 

Permanent life insurance plans guarantee a payout as long as you pay your premiums. 

However, a term life policy provides temporary coverage which means you may outlive the duration of your life insurance coverage.


How Long Does It Take to Get Insured?

That depends on the insurer, but some insurers offer coverage within 15 minutes of completing your application for coverage.


How Much Life Insurance Can I Buy Instantly?

It varies by insurer, but some offer from $50,000 up to $500,000 or more. One of the leading providers of easy online life insurance offers up to $1,000,000 for healthy people who meet the age requirements.


Can I Purchase a Policy on My Spouse?

Yes, you may purchase life insurance on your spouse. If you’re married you have an insurable interest in your spouse, which is required in order to buy life insurance on another person.


What If I Change My Mind About the Insurance Policy?

If you decide you want to cancel your policy you can do so at any time. However, if you cancel within the Free Look Period, you get a full refund of all premiums paid. The Free Look period will vary by insurance company. It may be 10, 15, 20, or 30 days, usually.

These are the easiest life insurance policies to buy because they allow qualified applicants for coverage to get insured and start their life insurance protection within minutes upon approval.


Review of Top Easy Life Insurance Plans


We have reviewed two of the leading providers of quick-issue, easy-to-get life insurance plans for you to consider. These are two of the quickest and easiest policies you can purchase direct online. In fact, you can apply online for either policy (or both) in just minutes.

Term Life Insurance No Medical Exam

Top Pick – JRC Insurance Group

JRC Insurance Group helps you shop, compare and save on life insurance. Regardless of your age or health background, we'll shop our 40+ life insurance companies and find you affordable life insurance you need to protect your family and fit your budget. Compare the best life insurance rates for savings up to 73%. 

JRC Insurance offers up to $2,000,000 of life insurance with no medical exam required.

You can get approval for your insurance policy in as little as 10 minutes to 2 days. JRC offers no exam life insurance for diabetics, too.

JRC offers some of the best rates on life insurance policies without any health exams required.

You can compare and choose from $25,000 to $2,000,000 of no exam life insurance coverage from several leading life insurance carriers through JRC Insurance Group.


Highly Recommended – Globe Life Insurance

Get FREE Information On How $1* Can Buy Up To $100,000 Globe Life Insurance For Adults Or Children

  • No Medical Exam – Simple Application.
  • No Waiting Period. Buy Direct.
  • Rates As Low As $3.49 Per Month.
  • The Globe Life Family Of Companies Has Nearly 17 Million Policies In Force.
  • No Phone Required. No Credit Required.
  • The Globe Life Family Of Companies Has Over $224 Billion Of Coverage In Force.
  • Globe Life Is Rated A (Excellent) By A.M. Best Company As Of August 2023.

Guaranteed Acceptance Life Insurance 

What is the Easiest Permanent Life Insurance to Buy?

The easiest way to get whole life insurance is by purchasing a guaranteed issue policy. These plans provide life insurance with guaranteed approval for anyone who meets the age requirements. 

United of Omaha offers people ages 45-85 up to $25,000 of guaranteed issue whole life coverage with no physical exam required and no health questions asked.


Top Pick – Mutual of Omaha

Mutual of Omaha offers guaranteed acceptance whole life insurance for people age 45 to 85. Choose $2,000 up to $25,000 of coverage. Rates start as low as $8.84 per month. There’s no medical exam and no health questions. You cannot be turned down. You can get a quote and apply online now. Start Here to get a FREE Quote

  • Your life insurance policy comes with a 30 day Risk-Free, Money-Back Guarantee

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Easiest Life Insurance to Get

Disclosure: Compensated Affiliate