North American No Exam Life Insurance: Instant Quotes

*2024 UPDATE: Availability of LifeVue is restricted. North American has implemented WriteAway – a no exam life insurance underwriting process.

North American Life Insurance Company, a consistently top-rated life insurance carrier, has introduced a no physical (non-med) life insurance product called, LifeVue Term (now WriteAway).

If your client qualifies, they can skip the lab work and the exam to get their life insurance coverage faster and easier. – North American

While North American LifeVue offers superb no exam life insurance, it’s essential to be knowledgeable on the elements of their product. No two no physical life insurance carriers are created equally.

In fact, each no exam life insurance company has specific policy features and uses their own unique underwriting procedures that you’ll want to be familiar with.

Goal – Review North American no exam life insurance to decide if it’s a good fit for your needs.

Table Of Contents

  1. Company History
  2. Overview
  3. Writeaway
  4. Application 
  6. Bottom Line
  7. Apply

North American Life Insurance Company Historynorth american

North American Life Insurance Company was founded in 1886. Based out of Chicago, Illinois, North American runs offices throughout the Midwest. They are known for their strong financial rating and excellent customer service.

Financial Strength Rating:  A+ (A.M. Best)

What this means: A.M. Best is a credit rating system focused solely on the life insurance industry. Their data results indicate the financial integrity of a company and their likelihood of paying out claims.

North American belongs to the Sammons Financial Group, Inc. (SFG). Sammons is an, “an insurance holding company whose member companies offer a diverse portfolio of financial services and retirement products, including life insurance, annuities, variable annuities, and securities”.

Like North American, Sammons has an A+ Financial Strength Rating by A.M. Best.

North American Life Insurance Company is privately owned, meaning that they do not participate in the stock market.

Interesting Fact – In 1890, A.E. Forest purchased the company for just $2,000 and appointed the company’s first general agent.

North American WriteAway Overview

Coined, “faster, easier, less invasive underwriting”, North American’s WriteAway program allows healthy individuals to skip the medical exam.

Key Features

  • Application decision within 48 – 72 hours
  • No lab work, no needles, no cups, no exams
  • Simple online application process

North American utilizes what is known as accelerated underwriting. Not a true no exam product, this underwriting process means must quality for WriteAway.


LifeVue Overview

Here, you’ll find some key features for what to consider when shopping for a no medical exam life insurance policy:

north american lifevue

*Policy features are subject to change. Availability may vary by state.

The most important aspects of no-physical life insurance to evaluate are:

  1. Wait time – how long you have to wait before your application is approved and your life insurance policy is issued
  2. Issue ages – the age range of the applicant that the life insurance company is willing to insure
  3. Policy amount – the dollar amount (policy size) the life insurance company offers
  4. Policy length – the number of years the life insurance company will allow the policy to last

Consider how LifeVue Term measures up

Wait Time

Policy decisions are often lightning-fast, with results in minutes (often around 30 minutes).

Issue Ages

Policies are offered to applicants between the ages of 18 – 60 years old.

Note: if you are older than 60 years old, a number of no physical life insurance companies offer policies to older issue ages.

Policy Amount

LifeVue Term offers policies from $50,000, all the way up to $500,000 of no exam life insurance.

Policy Length

You can purchase a policy for a term length of

Term vs Permanent Life Insurance explained

Note: If you are interested in a shorter term, 10-year term policies are offered by many no physical life insurance companies.  North American also has permanent options that can offer the same no exam approvals.

Important – LifeVue imposes limits on the policy amount available, depending on your issue age:

north american lifevue

Limits subject to change based on carrier’s underwriting procedures.

Also important – Limits exist on term length based on your issue age and tobacco use:

Tobacco users – 30-year term is not available for ages 50 and older

Available Riders

  • Rider included with policy purchase:
    • Accelerated Death Benefit: allows the policy owner to accelerate a portion of the death benefit should the insured become terminally ill
      • Defined as a life expectancy of 24 months or less
      • Physician documentation is required
      • Up to a maximum of 75% of the death benefit can be accelerated

Policy Conversion Options

Convertible to a permanent policy during policy years 1 – 5, without the need to demonstrate insurability.

LifeVue Application Process

LifeVue has built a streamlined application process that is conducted over the phone. The phone interview is responsive. Your questions adjust to the answers previously provided. Expect an uncomplicated phone conversation.

Often, you will receive results within 30 minutes. You can anticipate these types of questions:

  • Have you been diagnosed with any medical conditions?
  • Do you have any felonies, misdemeanors or DUIs in your background?
  • What is your occupation?
  • Are you receiving disability benefits or worker’s compensation?
  • Do you fly airplanes as a private pilot?
  • Have you received treatment for drugs or alcohol within the last 5 years?

Based on your phone interview, you will be offered one of seven underwriting classes if you are approved for life insurance:

  1. Super Preferred Non-Tobacco 
  2. Preferred Non-Tobacco 
  3. Standard Non-Tobacco
  4. Substandard Non-Tobacco
  5. Preferred Tobacco
  6. Standard Tobacco
  7. Substandard Tobacco

Note Super Preferred and Preferred rates are unavailable at age 60.

Also – Declines do happen from time to time. However, it’s important to remember that there’s always life insurance options available, even after a decline.

Key Features of LifeVue Term Application Process

  • Requirements for approval:
    • Phone interview
    • Medical Information Bureau (independent medical record database) report
    • Pharmacy database history (typically within the last 10 years)
    • Risk Classifier review (public records aggregated from multiple data sources)
    • Driving record review
    • Tobacco use is accepted, however, your rates will be affected
  • Not required for approval:
    • Needles
    • Bodily fluids
    • Medical exam

LifeVue Quotes

north american lifevue

*Quotes provided are based on limited input. Quotes are for informational purposes only. Your rates may vary and will depend on the carrier’s life insurance underwriting procedures.

north american lifevue

*Quotes provided are based on limited input. Quotes are for informational purposes only. Your rates may vary and will depend on the carrier’s life insurance underwriting procedures.

Bottom Line

North American LifeVue Term has excellent no-physical life insurance products. It might be a great fit for you.

Really, your best option is dependent on a number of factors, including your:

  1. Age/Gender
  2. Health status
  3. Medical history
  4. Occupation
  5. Hobbies
  6. Lifestyle
  7. Desired policy amount
  8. Desired policy length

There is no one-size-fits-all no-physical (non-med) life insurance policy. 

How To Apply

There are two things you need to do in order to secure the best policy you qualify for:

1. Collaborate with an independent agent

  • Here’s why: It’s important to not apply with a specific life insurance company. Why? Should something concerning show up on your application, such as a medical condition, that information could be available to other life insurance companies.
  • An independent agent is not held captive to a particular carrier. They have your best interest at heart and will do the shopping for you.

2. Prepare

  • Be ready to answer your phone interview questions.
  • By having your medical history, medications, occupation, and lifestyle information readily available, your application process is streamlined.

To get started, simply fill out our free instant quote.