Sagicor No Exam Life Insurance: Get Affordable Coverage without a Medical Exam

Last Updated: September 7, 2026 | Written by President of Term Life Online – AU, AAI, ARM

By speaking with you and confirming your health status, Sagicor can offer you the most affordable rate based on your own personal risk factors.

 

The Sagicor Process Explained

 

Convenient 

You can complete the life insurance application completely online right from your desk, computer or phone.

 

Excellent Value

You may even qualify for a preferred health classification, which is usually only available if you do take a physical examination. A preferred rating can help you get the lowest available monthly premium on your policy.

 

Quick Approval

With Sagicor, you can get your approval within 10 minutes to a couple days. No more waiting weeks or months to find out if you can get insured for life insurance.

 

No Paper Work

After a short phone interview of around 5-10 minutes you can get approved for your life insurance the same day.

The entire process is quick and easy, and offers you a convenient way to get the life insurance protection your family needs, at a price you can afford – without delays or hassles.

 

More and more people are turning to the internet to buy life insurance coverage online.

With the passing of healthcare reform and health insurance available online for purchase, as well as, medical records going all electronic, the future will make available more life insurance plans with no exam from more life insurers.

Sagicor has an AM Best financial rating of "A" (Excellent), and a quick and easy underwriting process, offering you safe, secure life insurance with a convenient way to get insured.

Sagicor has three rate classes – Preferred, Standard and Table Rated.

Whether you don’t want to take a medical exam due to time constraints, inconvenience or a fear of needles or blood draws, Sagicor can help you get the life insurance coverage you need without the hassles.

The Face Amount of life insurance coverage available with no exam from Sagicor is $25,000 up to $500,000. Sagicor’s rates on their no exam life insurance plans are very competitive and usually have the best rates for no exam insurers.

Sagicor also gives you very fast approval times. A typical application for simplified issue term life with no exam can be completed in less than 30 minutes, and that’s including your waiting time for approval.

Sagicor also offers great no exam term life insurance for diabetics.

 

Sample Rates for Sagicor No Medical Exam Life Insurance

 

All sample rates are based on a preferred male applying for $250,000 of no medical exam coverage. Rates are for informational purposes only and are subject to change.

 

Preferred Rates per $1,000 of life insurance coverage

 

Age 25  -  $21.86

Age 30 -   $22.73

Age 35 -   $27.36

Age 40 -    $38.45

Age 45 -    $57.92

Age 50 -    $85.68

Age 55 -    $130.50

Age 60 -    $202.20

 

Standard Rates per $1,000 of life insurance coverage

 

Age 25 -    $25.52

Age 30 -    $29.16

Age 35 -    $38.65

Age 40 -    $53.96

Age 45 -    $82.58

Age 50 -    $130.55

Age 55 -    $202.19

Age 60 -    $304.64

  

NOTE: These are only sample rates, to get an estimate of what your coverage may cost, request a free quote comparison.

Sagicor is an "A" rated life insurance company that offers a no health exam life insurance policy that can be issued instantly or within a 48 hour review. 

That means it’s highly likely you’ll know if you are approved for your life insurance policy immediately at the end of the application or within three days if further review of your information is needed.

You can choose up to $500,000 in coverage for a period of 10, 15 or 20 years of term life insurance. They will ask you a few health questions and may check your medical records through the Medical Information Bureau.

Sagicor is recommended for healthy and fairly healthy individuals with a moderate history of health issues.

 

Sagicor Features:

• Approval is instant or within 48 hours
• Up to $500,000 of coverage
• Coverage for 10, 15 or 20 years
• No Medical Exam required
• Convertible to permanent life insurance

 

Compare No Exam Life Insurance Quotes

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 63 top life insurance companies including Sagicor and find you affordable life insurance you need to protect your family and fit your budget. 

JRC Insurance offers up to $3,000,000 of life insurance with no medical exam required.

You can get approval for your insurance policyin 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 choose from $50,000 to $3,000,000 of no exam life insurance coverage from several leading life insurance carriers through JRC Insurance Group. Start Your FREE Quote.

Resources:

• Learn About No Exam Life Insurance Plans
• Calculate Your Life Insurance Needs
• Compare Term Life Insurance versus Whole Life Insurance
• A.M. Best Company: Compare financial strength ratings of life insurance companies
• Life Happens.org: Learn about life insurance and review facts.
• Investopedia: Learn more about financial planning with term life insurance.

About Our Methodology

Reviewed By: President of Term Life Online – AU, AAI, ARM

• 30+ years of experience in insurance planning

How We Keep This Guide Accurate: We regularly updates our content to reflect the latest rates and industry trends. We are committed to providing transparent, unbiased information to help you make the best decision for your family.

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Disclaimer: This is for informational purposes only. Consult a licensed professional for advice.