Instant Term Life Insurance – No Medical Exam, Fast Decisions
If you’ve been putting off life insurance because you don’t have time for a medical exam or weeks of back-and-forth underwriting, instant term life insurance is built for you.
Through our InstaBrain Pure Term program, you can:
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Get instant term life insurance quotes online
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Apply with no medical exam in most cases
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Choose from 10, 15, 20, or 30-year level term periods
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Apply for coverage amounts from $50,000 up to $1,000,000, depending on your age and risk profile
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E-sign your application and receive your policy electronically, often within about a day
Disclaimer: Coverage, eligibility, and premiums depend on underwriting, health history, and state availability. Examples on this page are for educational purposes only and are not guarantees of coverage or price.
No Medical Exam Required
We offer 4 different policy types with no medical exam requirement.
Affordable, A Rated Carrier
Trusted insurance carrier specializing in life insurance since 1896.
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Fully digital experience. No agent involved. No sales calls. No hassle.
What Is InstaBrain Pure Term?
InstaBrain Pure Term is an accelerated-underwriting term life insurance program underwritten by Fidelity Life Association. It’s designed to provide 100% all-cause term life coverage with a streamlined digital process and a built-in 5-year annual renewable term (ART) period after the level term ends.
Instead of medical exams and long delays, the carrier uses application information and third-party data to make a fast underwriting decision. The result: instant decision term life insurance for many applicants.
At a glance:
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Issue ages: 18–60 (age last birthday)
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Term lengths: 10, 15, 20, and 30 years
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Minimum coverage: $50,000
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Maximum coverage: up to $1,000,000 for many ages and risk profiles
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Coverage type: Level term, followed by a 5-year ART period
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Premiums: Fully guaranteed during the level term period
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Payment modes: Monthly, quarterly, semi-annual, or annual via EFT or credit card
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Policy delivery: Electronic policy, accessible via customer portal—typically within 24 hours after issue
Who Is Instant Term Life Insurance Right For?
Instant term life can be an excellent fit if you’re searching for:
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Affordable income replacement – protect your family’s lifestyle if you pass away during your working years
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Mortgage protection term life insurance – coverage that can help pay off or service a home loan
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Term life insurance for young parents – safeguard childcare, education, and day-to-day expenses
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Instant term life insurance for couples – coordinate coverage for both spouses with one streamlined online process
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No-exam term life for busy professionals – healthcare workers, small-business owners, and anyone who can’t schedule a paramed exam
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Term life for tobacco and non-tobacco users – with risk classes for both groups (subject to underwriting)
Because coverage is term-based, it’s ideal for temporary but important financial responsibilities: kids at home, a mortgage, loans, or key-person needs in a small business.
Coverage Amounts, Term Lengths, and Eligibility
InstaBrain Pure Term is designed to be flexible enough for many situations, from first-time buyers to more complex planning.
Coverage Amounts & Term Options
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Coverage minimum: $50,000
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Coverage maximum:
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Up to $1,000,000 in many 10-, 15-, and 20-year term scenarios for ages 18–55
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For ages 56–60, maximum coverage gradually reduces (for example, a lower maximum at age 60)
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Up to $1,000,000 for 30-year terms for many non-tobacco applicants age 18–50 and tobacco applicants age 18–45
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Term periods:
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10-year term life insurance – for short-term needs like a small business loan or short remaining mortgage
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15- and 20-year term life insurance – often used for income replacement while kids are at home
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30-year term life insurance – popular with younger families who want long-term mortgage and income protection
Because premiums are guaranteed during the level term, you know exactly what you’ll pay during the initial term period.
Basic Eligibility Snapshot
While final decisions always come from the carrier’s underwriting process, general guidelines include:
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Age: 18–60
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Citizenship/residency: U.S. citizen or permanent resident with a valid Social Security number and U.S. driver’s license, living and working in the U.S.
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Income: Coverage amounts should be financially justified (for example, a multiple of earned income or appropriate for a non-working spouse)
Certain serious medical conditions, hazardous occupations, or foreign travel situations may not be eligible. Other common health conditions (like well-controlled hypertension, Type 2 diabetes diagnosed later in life, or mild asthma) may still qualify at various rate classes, subject to underwriting.
Important: Underwriting rules can change, and the information above is a simplified overview. Always treat it as general education, not a guarantee of insurability.
How Accelerated Underwriting Works (No Medical Exam for Many Applicants)
Traditional term life often means scheduling a paramed exam, giving blood and urine samples, and waiting weeks. With InstaBrain Pure Term’s accelerated underwriting:
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You complete a detailed online application
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Personal information, health history, prescription history authorization, and lifestyle questions
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The carrier uses electronic data sources
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Prescription history, MIB records, motor vehicle report, and other approved data points to quickly assess risk
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Many applicants receive a decision immediately
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Approved, approved with a particular rate class, or referred for additional review
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You e-sign and pay online
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The carrier issues the policy and delivers it electronically, typically within about 24 hours in straightforward cases
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Because of this model, many people can access instant approval term life insurance without the delays of traditional underwriting—especially if they have relatively stable health histories.
Built-In and Optional Benefits on InstaBrain Pure Term
In addition to core term coverage, InstaBrain Pure Term offers a combination of embedded benefits and optional riders that you can use to tailor protection.
Built-In Terminal Illness Accelerated Death Benefit
Many Pure Term policies include an Accelerated Death Benefit for Terminal Illness, which may allow you to access part of the death benefit if you are diagnosed with a qualifying terminal illness and meet the rider’s criteria.
High-level features (subject to state forms and policy language):
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May allow acceleration of up to 50% of the face amount, within specified dollar minimums and maximums
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Paid as a lump sum to the insured
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No additional premium charge for the rider
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Any amount paid under the rider generally reduces the remaining death benefit
This is sometimes referred to as a type of “living benefit”—but it is not the same as long-term care insurance or a stand-alone critical illness policy. It simply provides early access to part of your term life death benefit if you meet the criteria in the rider.
Optional Accidental Death Benefit Rider
The Accidental Death Rider can provide an additional benefit if your death results from a covered accident.
Key highlights:
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Available for many insureds age 20–65
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Minimum rider coverage amount (for example, $25,000) with a maximum up to the lesser of the base policy benefit or a stated limit
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May include built-in enhancements such as Travel Accident and Auto Safety benefits that increase the payout if the accident meets certain conditions
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Benefit often reduces at older ages and expires at a stated age
This rider is generally designed to supplement your base life insurance, not replace it.
Optional Dependent Child Rider
For parents, a Dependent Child Rider can provide term coverage on eligible children.
General design features:
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Available when the insured parent is within certain age ranges (for example, 20–60)
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Covers children from 15 days up to a specified age (often through late teens), subject to underwriting
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Flat cost per $1,000 of child coverage, regardless of the number of covered children
Exact rider availability and limits can vary by state and policy form.
Instant Term Life vs. Other Types of Coverage
When people search for “instant life insurance quotes” or “no exam life insurance online,” they’re often comparing several options at once:
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Instant term life insurance – typically best for larger coverage amounts and pure income/mortgage protection during working years
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Final expense life insurance – smaller whole life policies designed to cover funeral and burial costs
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Guaranteed issue life insurance – last-resort coverage when health issues prevent traditional underwriting
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Stand-alone accidental death insurance – only pays for covered accident-related deaths
In many cases, instant term life offers the most coverage per premium dollar if you qualify. For clients who can’t qualify—or who need small amounts specifically for funeral costs—final expense or guaranteed issue may be more appropriate. Some people also supplement their term policy with an accidental death rider or stand-alone accidental death plan.
The good news: you don’t have to guess. The online portal can walk you through the options and help you compare.