Accelerated underwriting (AU) lets healthy adults get fully-underwritten term life rates with no paramed exam, no blood draw, decision in 1–7 days. Available up to $1M–$2M depending on carrier. Same rate classes as the slow-path policies. Built for people who want term life without the 4–6 week wait. For deeper comparison across all life products, see our sister site LifeCo.
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We offer two main types of life insurance to protect your loved ones. Not sure which is right for you? We'll help you decide.
Affordable coverage for a specific period of time. Perfect for covering mortgages, children's education, or income replacement.
Lifetime protection with cash value growth. Build wealth while protecting your family with guaranteed coverage.
Healthy applicants ages 18-60 typically qualify for accelerated underwriting (AU) — no paramed exam, no blood draw. The carrier reviews MIB records, prescription history (Rx Hub), motor vehicle records, public records, and a tele-interview, then issues a decision in 1-7 days. Crucially, AU produces the same rate classes (Preferred Plus through Substandard) as fully-underwritten policies — there's no rate penalty for the fast path. Failed AU automatically routes to traditional underwriting; you don't lose anything by trying AU first.
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