Shortcut: If you just need quotes, please select "Foresters-Life First Express" in the results from our form on the left or above (mobile) To learn more about our review of Foresters no exam life insurance, please continue reading.
Quick Summary: Foresters is a solid company but for no exam life insurance, most people can find better options. They don't offer short terms (10 or 15 year) and are priced on the high side. Standard health class is the best health class available.
Want to skip the medical exam? See our in-depth guide to everything there is to know about life insurance with no exam. Includes charts, videos, and the most current information covering non-med policies. Compare more than 20 of the top companies and policies. Find out which is right for you today! Any questions, let us know. Using our help is always FREE and without ANY pressure.
About the Company
Foresters has roots all the way back to 1834 selling insurance and financial products in the United States, Canada, and the U.K. Their real focus has always been on the customers and not shareholders as they participate in a range of programs to help the community.
With over $9 billion in assets under management, Foresters is on solid financial footing. The industry standard rating agency, A.M. Best. assigns them an "A" which is considered extremely strong.
Foresters offers a range of life insurance products including term, universal, permanent, and final expense. With a strong reputation and financial strength, Foresters is a good bet to be around a long time and pay out any death claims.
About the Policy
Life First Express
$50,000 to $250,000
18 to 65
20, 25, 30 years
Like most no exam carriers, Foresters will rely heavily on information obtained electronically. This includes but is not limited to:
- Motor Vehicle Report
- Prescription Database
- Medical Information Bureau
The MIB is like a credit bureau but for health information compiled from insurance applications.
For example: If you previously were denied for life insurance because of very high cholesterol levels, Foresters (or another company) will see and know this based on the MIB database check.
Be prepared to answer questions about your medical history that include details about:
- Alcohol Usage
- Benign Prostate
- Cyst, Lump, or Tumor
- Digestive System Disorders
- Drug and Substance Usage
- Epilepsy and Seizure Disorder
- Heart Murmur
- High Blood Pressure/Hypertension
- Kidney and Urinary Disorders
- Mental Health
- Respiratory Disorders
- Sleep Apnea/Sleep Disorder
You must fit in the below build chart in order to qualify for the Life First Express no exam insurance.
Foresters underwriting on their simplified issue is a little slow compared to other carriers. The fastest you can expect a decision is 2 weeks. If an APS is requested, the process could take around 30 days.
Good riders included at no extra cost with additional options if you want them
Has a rare 25-year term option not common for non-med carriers
Only have up to Standard health class
No 10 or 15-year terms available
Extras and Options
In the base policy, Foresters includes the following riders. These are better than most no exam policies.
- Common Carrier Accidental Death Benefit Rider
- Family Health Benefit Rider
- Accelerated Death Benefit Rider
At your choice, you may add the below riders to customize the policy to your needs:
- Accidental Death Benefit Rider
- Children's Term Rider
- Disability Income Rider
- Waiver of Premium Rider
Forresters allows conversion to one of their permanent policies without having to show evidence of insurability. This can be done before the earlier of the policy anniversary after age 65 OR the initial term period minus 5 years.
Price is not the only consideration, as Foresters does include nice benefits that other no medical policies do not. However, looking purely at price, there is no way around it, they are on the expensive side.
Sample No Medical Quotes - Foresters Life Insurance
40-year-old male at Standard health class - pricing listed is per month
35-year-old female at Standard health class - pricing listed is per month
Use the quoter to see the premium you'll pay for a Foresters no medical exam policy.
How to Find the Best No Exam Policy
Shopping for life insurance is much more than just comparing quotes online. Yes, our quoter will show you many options but so will many other websites. Everyone has the same rates.
Let me tell you something...
There is no "best" or "top" life insurance company. It's different for everyone. Your needs and wants on policy specifics + your own medical history will determine which insurer is the right one for you.
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.
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.