About No Physical Term Life

No Physical Term Life is dedicated to helping people find the best information about no exam life insurance. We do this through education, research, and actually helping people obtain the best life insurance policies on the market.

We have dedicated, experienced, life insurance agents behind the scenes to provide you with the most up-to-date information. Our team has access to dozens of top-rated life insurance companies, so we know which ones are the best for any given situation.

Our agency is licensed in all 50 states and specializes in no medical exam life insurance.


Helping You Make Informed Life Insurance Decisions

No Physical Term Life was founded on three pillars – educationtransparency, and unbiased advice.

  1. Education – We believe in service and strive to provide first-class information on life insurance with no medical exam required.
  2. Transparency – You will secure the best life insurance policy to fit your needs when the product and process of purchasing life insurance are communicated clearly.
  3. Unbiased Advice – As an independent agency, we are not held captive to a particular life insurance company. Your best interest is at heart and you’ll have access to multiple quotes from the top-rated carriers.

About the Owner – Bennett Bier

Bennett Bier - life insurance agent and expert writer

Bennett is the new owner of No Physical Term Life, as of December 2020.

Bennett is a licensed life insurance agent in all 50 states. Here are a few places Bennett has been featured:

See our life insurance licenses by state here.

A Few Words from Bennett

I have been a licensed insurance agent since 2013 and help clients secure the best options for their life insurance across the whole country. I have always been taught the importance of life insurance and decided to get into the business to advocate for my clients so that they get approved for the coverage their family deserves, even if they have been told they can’t be covered in the past.

Each year I assist over 10,000 families across the US in their search of over a billion dollars of life insurance. I am extremely passionate about protecting your family and work extremely hard to help even more clients in the future.


Bennett was most helpful, knowledgeable, and understanding. A pleasure to work with. Hopefully, the start of a good business relationship.

– Michael, Former Client

About Our Founder – Heidi Mertlich

Heidi was the original founder of No Physical Term Life. She is the author of most of the articles on our site.

Heidi Mertlich is an independent life insurance agent with a passion for writing about all things related to life insurance.

Here are a few of Heidi’s accomplishments in the life insurance industry:

Heidi Mertlich - life insurance agent and writer
Heidi Mertlich, Founder

Heidi’s Life Insurance License: WA/License No. 902842

When she’s not blogging about life insurance, you can find Heidi spending time with her husband, three kids, and their silly dog. She believes baseball is the greatest sport, loves the Pacific Northwest and enjoys making meals for family and friends.