No Needles. Same Policy. Minutes, Not Weeks.
"No-exam" does not mean "no underwriting." It means the carrier checks prescription, motor-vehicle and medical-information records electronically instead of sending a nurse. For qualifying applicants the decision arrives in minutes.
Accelerated Underwriting
Full-size term (often to $1,000,000; Foresters to $2,000,000 for ages 18–60 since April 2026) with an exam waived when the data looks clean. Same price as fully underwritten if you qualify.
Simplified Issue
A short health questionnaire, no records pull or a light one, smaller amounts, slightly higher price per $1,000. Good for people in a hurry or with minor history.
Guaranteed Issue
No health questions at all, small amounts ($2,000–$25,000 typical), graded death benefit for the first two years. For people who cannot qualify otherwise — see our guaranteed-issue guide.
What The Instant-Decision Carrier Actually Checks
- Prescription history — a pharmacy database shows what you have filled and when.
- Motor vehicle record — DUIs and reckless driving move you down a class or out.
- MIB — the Medical Information Bureau's shared underwriting file.
- Credit-based mortality scores at some carriers.
- Your answers — height, weight, conditions, tobacco, family history, hazardous activities. Honesty matters: the two-year contestability period lets a carrier rescind for misstatements.
If the data disagrees with your answers, the application routes to a human underwriter or an exam. That is normal, not a decline.
Instant-Decision Products We Place
Fidelity Life · InstaBrain Pure Term
Ages 18–60 · $50,000–$1,000,000 · 10, 15, 20 and 30-year terms (30-year to age 50 non-tobacco / 45 tobacco) · accelerated death benefit for terminal illness up to 50% of face (max $100,000) at no extra premium · child rider available · fully guaranteed premiums during the level term · e-signature and e-delivery within 24 hours · 30-day free look. Not available in New York or Wyoming.
Fidelity Life · InstaBrain Term With Living Benefits
Same ages and amounts, plus two accelerations at no extra premium: terminal illness up to 90% of face (max $250,000) and chronic illness up to 50% of face paid over 36 months (2+ ADLs or severe cognitive impairment), with premiums waived during acceleration. Living benefits not available in every state.
Source: Fidelity Life InstaBrain Pure Term and InstaBrain Term consumer guides v2 and state availability (Nov 17, 2025), in our carrier library. Policy terms control.
Pick The Door That Fits You
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Call 561-816-3446Request Quotes In 60 Seconds
Tell us age, state, coverage and health in one short form. A licensed agent emails or texts quotes, then you decide.
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Prefer to do it yourself? Open a carrier tool, answer the questions, get a decision — many applicants in minutes.
You will leave this site for a carrier or partner tool. Any rate shown is an estimate until the carrier confirms it; the agent of record is Phamella Bauer (NPN 22053821), NovaVida Group.
Need more than $1,000,000, a 35- or 40-year term, or a carrier above? That is agent territory — call 561-816-3446 and we quote the full table.