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

Heidi Mertlich, Owner – No Physical Term Life

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

Our three pillars:

  1. Education – We believe in service and strive to provide first-class information on life insurance with no 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 carrier. Your best interest is at heart and you’ll have access to multiple quotes from the top-rated companies.

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

Heidi’s Resident License – State: WA/License No: 902842

Heidi also regularly writes for Life Insurance Post and Best Life Rates.

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.