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Comparison Guide

Find out everything you need to know about no medical exam life insurance
and how to determine the right amount of coverage for you.
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Here’s a quick comparison of how both term life and final expense plan stack up with each other.
Term Life Insurance
Final Expense Plan
Duration
Term lengths -
Typically, 10, 20 , or 30-years.
For life.
Tax-Free Benefit
Yes
Yes
Fixed Premiums
Yes, for the duration of the Selected term length.
Yes
Cash Value Option
No
Yes
Renewable and Convertible
It is renewable for each available term period with adjusted rates.

It is convertible to a whole life plan, typically with no medical exams.
No
Here’s a quick comparison of how both term and whole life stack up with each other.
Term Life Insurance

Whole Life Insurance

Temporary Coverage
Permanent Coverage
Lower Premiums
Higher Premiums
No Cash Value
Builds Cash Value
Fixed Premiums
Fixed Premiums
See our helpful links below for more information about how no medical exam life insurance can work for your needs.

Why Do I Need No Medical Exam Insurance?

Discover how both of our products can help you at every stage of life.
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Term Life Insurance Calculator

An easy-to-use calculator that will help you determine your ideal amount of term life insurance coverage.
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No Medical Exam Life Insurance Q&A

Find answers to some of the most common questions about no medical exam life insurance.
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Insurance 101

Helpful articles about life insurance, finances,
health & wellness and more.
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El ABC de los
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