Assurity No Exam Life Insurance

Quick Summary: Assurity is a solid company that offers a well rounded no physical exam product. They will give Preferred rates for those in good health and also are favorable towards smokers. Approval times are generally fast but rates are higher than most non-med carriers.

Skip the Exam

See our in-depth guide about life insurance without the medical exam. Compare more than 20 of the top companies and policies. Find out which is right for you today.

About the Company

Assurity life insurance company logo

After a series of mergers, the Assurity Life insurance company was officially formed in 2007. Despite less than 10 years in business, the companies that formed Assurity have hundreds of years in combined experience.

A.M. Best is an independent rating agency and assigns an "A-" grade to Assurity which is considered excellent and demonstrates their strong financial footing.

Assurity prides itself on being a technological leader in the insurance marketplace and this has contributed to their rapid growth. 

About the Policy

Product Name

Lifescape NonMed Term 350


$50,000 to $350,000


18 to 65


10, 15, 20, 30 years

Product Name

Lifescape NonMed Term 350


$50,000 to $350,000


18 to 65


10, 15, 20, 30 years

Underwriting Process

For no exam policies, underwriters check a few different electronic databases that store relevant information on applicants. These include:

  • Motor Vehicle Report (MVR)
  • Prescription Database (Rx report)
  • Medical Information Bureau

The Medical Information Bureau houses info from your previous insurance applications. This information is shared among carriers. The purpose of this database is to limit underwriting costs for everyone and reduce fraud.

Many applicants will be approved with 100% digital underwriting. If there is a discrepancy between the application and the information in the databases, a telephone interview and/or review of your medical records may be requested.

Over the age of 55 can not be approved for a no exam policy with Assurity if you have not seen your doctor in the last 5 years.

Medical Questionaire

On your application, you will be asked specific questions about your medical history including details related to any occurrences of:

  • Arthritis
  • Asthma, emphysema, or bronchitis
  • Back or neck pain or problems
  • Diabetes or glucose metabolism abnormalities
  • Epilepsy or seizure
  • Heart attack, angina or coronary artery disease
  • Heart murmur
  • High blood pressure
  • Kidney or urinary tract disease or disorder
  • Stomach and/or digestive tract disorders
  • Tumor, polyp or cyst
  • Driving under the Influence (DUI)
  • Drug or alcohol abuse

Decision Time

Assurity can approve applications in a couple days for those that don't have any flags prompting a human underwriting review. If a telephone interview or medical records review is needed, it can take several weeks for a decision.


Fast underwriting. Most applicants will be all digital and done in 48 hours.

Will offer Preferred rates on the no exam product.

Do not penalize tobacco users as severe as most companies.


Priced higher than most no exam options.

Extras and Options

Assurity includes the Accelerated Benefit Rider (Living Benefits) for no extra premium. This benefit provides for the ability to take up to $250,000 of the death benefit while still living. The rider may be used if the insured has been diagnosed with a terminal illness or confined to a nursing home.

If you'd like to further customize your LifeScape NonMed 350 policy, the following riders are available at an extra cost:

  • Other Insured Rider
  • Critical Illness Rider
  • Accident-Only Disability Income Rider
  • Return of Premium Rider
  • Children's Term Insurance Rider
  • Disability Waiver of Premium Rider
  • Monthly Disability Income Rider

Convert to a permanent policy up until the policy anniversary after your 65th birthday. Some restrictions apply depending on the age you were issued the policy and the term length. However, all no exam policies do have a conversion period. If  you choose to exercise this option, no evidence of good health is required.


Assurity premiums for insurance with no exam are more expensive than most others out there.

Sample No Medical Exam Quotes - Assurity Term Life Insurance

45 year old male at Standard Plus health class - pricing listed is per month

Coverage Amount10 year15 year20 Year30 year
$200,000$36.37$45.41 $55.85$84.74

35 year old female at Standard Plu health class - pricing listed is per month

Coverage Amount10 year15 year20 Year30 year
$200,000$21.05$25.06 $30.28$44.72

Use our quote engine to see the rate you'd pay for a Assurity no physical exam policy.

Find the Best No Exam Policy

Assurity is a solid option among the carriers offering no medical exam policies.

But is it the right option for you? 

For some of you reading, it will be. For many others, it will NOT be. No life insurance company or policy is the "best" for everyone, it just isn't possible. Each company has their own strengths, weaknesses, and sweet spots, and niches.

To find the right fit for your unique situation, you'll need to consider not only the company and it's policy options, but how that company views your own lifestyle and medical history.

The best way to do this is to work with an independent agency that is:

  • Unbiased and not obligated to any particular life insurance company.
  • Has access to all the top no exam products as well as some niche products for certain people/situations.
  • Is a specialist in the no exam area.
using an independent life insurance agent to maximize pensions benefits through the addition of a life insurance policy

No Pressure. No Cost.

You're in luck:) We do all the above and more. If you'd like to have a no pressure talk about options, please contact us or fill out the quote request form on this site.

Life insurance rates are fixed by law so there is no additional cost to use our service and expertise. We would be grateful to help you put protection in place for those you love.


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  3. 10 Life Insurance Myths Explained and Debunked


  • Ty Stewart

    Ty Stewart is a founder and contributor of He started researching and studying about life insurance when he got his first policy for his own family. He has been featured as a life insurance expert speaker at agent conventions and in top publications. As an independent licensed life insurance agent he has helped clients nationwide to secure affordable coverage while making the process simple.

  • Bennett Bier

    I’m Bennett Bier, owner, author and fact checker of Simple Life Insure. I believe working with a small independent broker offers consumers more personal attention and superior customer service. As an independent agent licensed in all 50 states and the District of Columbia I have access to many of the top A+ rated life insurance carriers. This lets me locate a plan that you will qualify for while saving you money at the same time. Over the years I have mastered the art of underwriting, getting approvals even for my highest risk clients. I’m also likely the person that will answer the phone when you call.