No Medical Exam Life Insurance in New York

no physical exam life insurance in New YorkIn the market for no medical exam life insurance in New York, you’re probably having a heck of a time finding coverage.  Luckily you found our site.

New York is a tricky state to write life insurance in.  By tricky, I mean it’s VERY hard for life insurance companies to get products approved in your home state and when they do get approved, there’s a lot of hoops to jump through to write business.  So most no medical exam life insurance companies choose not to write business in your state.

All the mainstream no medical exam term life insurance carriers like Fidelity, Assurity, 1clickcoverage and Americo don’t have any products approved in New York.

However, one of the most competitive carriers IS currently writing business in New York.  That life insurance company is American National, also known as ANICO.

ANICO typically has an online life insurance application that we can send for e-signature to bypass handling any paper applications, but not in New York.  Currently the only way to secure no medical exam life insurance in New York is to complete the ANICO application yourself, sign it and fax it back.

However, at Rootfin – we’ll complete the application over the phone with you and email it for your signatures.

All you have to do is sign it and fax or email it back to us.  We’ll complete the whole thing over the phone with you so you don’t have to sift through all the paperwork and decipher all the legal jargon on this life insurance application.

ANICO’s No Exam Life Insurance in New York Product Details

  • New York No Exam Life Insurance Quotes10, 15, 20 and 30 year terms available.
  • $50,000 – $250,000 of coverage available with no exam required
  • Issue Ages of 18-65 years old

Besides being your ONLY option for term life insurance with no medical exam in New York, here’s why ANICO is a great no physical exam life insurance option (besides the fact it’s your only option in New York):

7-10 Day Turnaround Time

We’ll usually get a decision within 7-10 business days of receiving the application.  This is assuming the application is in good order and isn’t missing any information.

The Don’t “Auto-Decline”

Most life insurance companies that don’t require the exam will make a decision based on the application,your MIB report, pharmacy report and MVR (motor vehicle report).  If there’s a “hit” on any of those reports, they’ll decline.  ANICO won’t do that.  They’ll simply require a phone interview to follow up on what they found OR review your medical records.

Because of this, they give a higher number of approvals for no physical exam life insurance than any other company on the market, which makes this very appealing to those needing life insurance with diabetes.

ANICO has Strong Financial Ratings

Currently, ANICO has an “A” (excellent) rating with AM Best.  With this great rating from the leading ratings carrier in the industry you will feel confident that you’ll be applying with a financially sound company.

ANICO doesn’t have the ability to provide you quotes online, so you’ll have to give us a call or fill our quote request form and we’ll get in touch with you.

We are always here to help with any questions or concerns.

About Jeff Root

is the owner of He's an independent life insurance agent who has helped 1,000's of consumers purchase life insurance online and over the phone.

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