No-Exam Life Insurance Guide (Updated for 2025)

Thinking about life insurance often brings to mind lengthy applications and uncomfortable medical exams. For many, the thought of needles, giving samples, or scheduling a physical is a significant hurdle. But what if you could secure valuable financial protection for your loved ones without the traditional medical examination? Welcome to the world of life insurance without a medical exam, a streamlined path to coverage that’s gaining popularity. Updated for 2025, this guide will explore everything you need to know.

Securing life insurance is one of the most important financial decisions you can make for your family’s future. However, the process can sometimes feel daunting. At Insurance By Heroes, we understand the need for clear, straightforward solutions. Founded by a former first responder and military spouse, and staffed by professionals with backgrounds in public service, our mission is built on trust and dedication. We know that navigating insurance options can be complex, which is why we function as an independent agency. This means we aren’t tied to just one insurance company. Instead, we partner with dozens of top-rated carriers across the nation. This allows us to shop the market extensively, comparing different “life insurance without medical exam” policies to find the one that truly fits your specific needs, health profile, and budget. Not every policy or company is the right fit for every person, and our goal is to find *your* right fit.

This article will demystify life insurance without a health exam, explaining what it is, who it’s for, the different types available, and the pros and cons. We’ll guide you through the process and show you how working with an independent agency like Insurance By Heroes can help you secure the best possible coverage without the traditional medical hassle.

What Exactly is Life Insurance Without a Medical Exam?

Life insurance without a medical exam, often called “no-exam life insurance” or “non-med life insurance,” is precisely what it sounds like: a type of life insurance policy you can potentially qualify for without undergoing the standard physical examination, blood tests, or urine samples that are typical requirements for traditionally underwritten policies. It provides a death benefit to your beneficiaries upon your passing, just like conventional life insurance.

But how do insurers assess risk without an exam? Instead of relying on results from a physical, insurance companies use alternative methods to evaluate your insurability. This typically involves:

• A detailed health questionnaire included in the application.
• Accessing electronic health records and prescription history databases (with your permission).
• Checking databases like the MIB (Medical Information Bureau), which stores information from previous insurance applications.
• Reviewing your motor vehicle report (MVR).
• Utilizing sophisticated algorithms and data modeling to assess risk based on the information gathered.

It’s crucial to understand that “no medical exam” does not necessarily mean “no underwriting.” Except for a specific type called Guaranteed Issue (which we’ll cover later), the insurance company still evaluates your health and lifestyle information to determine eligibility and set your premium rate. They are simply using different tools to do so.

There are primarily two categories of life insurance policy without medical exam requirements: Simplified Issue and Guaranteed Issue. Each caters to different needs and health profiles. Understanding the distinction is key, and it highlights why comparing options from multiple carriers is so important – something Insurance By Heroes specializes in, ensuring you don’t choose a policy type that isn’t suited for your situation.

Why Choose Life Insurance Without an Exam?

The appeal of skipping the medical exam is strong, but the reasons people opt for these policies go beyond mere convenience. Several factors make life insurance without medical examination an attractive choice for many individuals in 2025.

Speed and Convenience

This is often the primary driver. Traditional life insurance underwriting can take weeks, sometimes even months, involving scheduling exams, waiting for lab results, and underwriter reviews. In contrast, life insurance plans without medical exam requirements can often be approved much faster. Depending on the insurer and the type of policy (Simplified Issue vs. Guaranteed Issue), approval can sometimes happen within minutes, hours, or days. This speed is ideal for those who need coverage quickly, perhaps to secure a loan, fulfill a divorce decree requirement, or simply want peace of mind sooner rather than later.

Avoiding Needles and Medical Procedures

Many people have a genuine fear of needles (trypanophobia) or feel anxious about medical examinations in general. Others simply find the process intrusive or inconvenient to schedule amidst busy lives. No-exam life insurance eliminates this hurdle entirely, making the process less stressful and more accessible for those who might otherwise postpone getting coverage.

Certain Health Concerns

While not a guaranteed path for everyone with health issues, some individuals with pre-existing conditions might find it easier to qualify for certain types of no-exam life insurance (particularly Simplified Issue or Guaranteed Issue) than a fully underwritten policy. Traditional underwriting can sometimes lead to higher premiums or even denial for certain conditions. Some no-exam policies have more lenient underwriting for specific moderate health concerns. However, it’s critical to note that costs are often higher, and coverage amounts might be lower, especially with Guaranteed Issue policies designed for those with significant health problems. This is another area where comparing multiple carriers is vital. Insurance By Heroes can help assess if a no-exam option truly offers better value or accessibility based on your specific health history, comparing offers from various insurers who view risks differently.

Simplicity in Application

The application process for life insurance without a health exam is generally simpler and more straightforward. Often, applications can be completed entirely online or over the phone with an agent, involving answering health questions rather than coordinating a medical appointment. This ease of application appeals to those seeking a less cumbersome insurance buying experience.

While these advantages are compelling, it’s essential to weigh them against potential drawbacks like cost and coverage limits. Because every insurance carrier assesses risk differently and has its own “sweet spot” for no-exam policies, the best way to determine if it’s the right choice *for you* is to compare tailored options. As an independent agency, Insurance By Heroes leverages its access to dozens of carriers to find the specific no-exam policy that aligns best with your priorities – whether speed, convenience, or navigating a particular health profile – ensuring you get the most suitable coverage available.

Types of Life Insurance Without a Medical Exam

Not all “no-exam” policies are created equal. Understanding the different types available is crucial for making an informed decision. The main categories are Simplified Issue, Guaranteed Issue, and sometimes, policies involving Accelerated Underwriting (which isn’t strictly “no-exam” but often starts that way).

Simplified Issue Life Insurance

Simplified Issue (SI) is perhaps the most common type of life insurance policy without exam requirements for generally healthy individuals seeking convenience. Here’s how it works:

• No Physical Exam: You skip the traditional medical exam, blood draws, and urine samples.
• Health Questions Required: You must answer a series of detailed questions about your health history, lifestyle (like smoking or hazardous hobbies), family medical history, and potentially medications. Honesty is paramount here.
• Database Checks: Insurers verify your answers by checking databases like the MIB, prescription history (Rx database), and MVR.
• Target Audience: Generally suitable for people in reasonably good health who want faster approval and convenience, or those with minor to moderate, well-managed health conditions that might be acceptable to certain carriers’ SI programs.
• Coverage Amounts: Coverage limits are typically lower than fully underwritten policies but can still be substantial. Depending on the carrier and your age/health, amounts can range from $25,000 up to $500,000, and occasionally even $1 million or more with some specific programs.
• Cost: Premiums are generally higher per thousand dollars of coverage compared to a fully underwritten policy for a similarly healthy individual. This is because the insurer takes on slightly more risk without the detailed information from an exam. However, for some, the speed and convenience outweigh the extra cost.

Different insurers have vastly different underwriting guidelines for Simplified Issue. One company might decline you for a condition that another readily accepts. This underscores the value Insurance By Heroes brings by comparing multiple SI options to find the carrier most favorable to your specific health profile.

Guaranteed Issue (GI) Life Insurance

Guaranteed Issue (GI), sometimes called Guaranteed Acceptance life insurance, is designed primarily for individuals who may not qualify for other types of life insurance due to significant health problems.

• No Medical Exam: Like SI, there’s no physical exam.
• No Health Questions: This is the key difference. You are not required to answer health questions on the application.
• Guaranteed Approval: As the name suggests, approval is virtually guaranteed if you meet the age requirements (typically between 45-85, varying by insurer) and reside in an eligible state.
• Target Audience: Primarily individuals with serious health conditions who cannot obtain coverage elsewhere. It’s often used to cover final expenses like funeral costs, medical bills, or small debts.
• Coverage Amounts: Significantly lower than SI or traditional policies, usually ranging from $5,000 to $25,000, although some carriers might offer up to $50,000.
• Cost: Premiums are considerably higher per thousand dollars of coverage than both SI and fully underwritten policies. The insurer accepts significant unknown risk, which is reflected in the price.
• Graded Death Benefit: This is a critical feature of most GI policies. If the insured dies from non-accidental causes within the first two or sometimes three years of the policy (the “graded period”), the beneficiaries typically do not receive the full face amount. Instead, they usually receive a return of the premiums paid, often with some interest (e.g., 10%). After the graded period, the full death benefit is paid for death from any cause. Accidental death is often covered in full from day one.

Guaranteed Issue is a last resort for many, but it provides a safety net when other options are unavailable. Comparing GI policies is still important, focusing on premium, graded period length, and the interest paid during that period.

Accelerated Underwriting (AU)

Accelerated Underwriting is often mentioned alongside no-exam policies, but it’s slightly different. AU programs use data analytics and algorithms to try and approve policies quickly, *potentially* without a medical exam, for healthy applicants seeking higher coverage amounts (often similar to traditional levels).

• Process: You apply and answer health questions. The insurer uses data sources extensively.
• Potential for No Exam: If your data looks clean and you fit the insurer’s ideal profile, you might be approved quickly without an exam.
• Exam Still Possible: *However*, unlike true SI or GI, the insurer reserves the right to require a medical exam if the algorithms flag any concerns, if information is unclear, or if you’re applying for very high coverage amounts.

It’s crucial to understand if you’re applying for a true “no-exam guaranteed” policy (like SI or GI) or an AU policy where an exam *might* be waived but isn’t guaranteed to be. This distinction influences the application timeline and certainty. Again, working with Insurance By Heroes helps clarify these nuances, ensuring you understand the exact terms of the policies you’re considering from various carriers.

Pros and Cons of No-Exam Life Insurance

Like any financial product, life insurance without a medical exam comes with its own set of advantages and disadvantages. Weighing these carefully against your personal needs and circumstances is essential before deciding if it’s the right path for you.

Advantages of No-Exam Life Insurance

• Speed: Faster application and approval process compared to traditional underwriting (often days vs. weeks/months).
• Convenience: No need to schedule or undergo a physical exam, blood tests, or urine samples. Applications are often simpler and can be done online or by phone.
• Accessibility for Some Health Issues: May provide an avenue for coverage for individuals with certain health conditions who might face challenges or higher ratings with full underwriting (especially GI for severe conditions, or SI for moderate ones depending on the carrier).
• Avoids Medical Discomfort: Ideal for those with needle phobias or general anxiety about medical procedures.
• Simplicity: Generally less paperwork and fewer steps involved in the application process.

Disadvantages of No-Exam Life Insurance

• Higher Cost Per Thousand: Generally, premiums are higher compared to fully underwritten policies for the same coverage amount, especially for healthy individuals. Insurers charge more to compensate for the increased risk they take on without detailed exam results.
• Lower Coverage Limits: The maximum amount of coverage available is often lower than with traditional policies, particularly for Guaranteed Issue (capped around $25k-$50k) but also often for Simplified Issue (though limits here are increasing).
• Graded Death Benefits (GI Policies): Most Guaranteed Issue policies have a 2-3 year waiting period for the full death benefit on non-accidental deaths, only returning premiums plus interest during that time.
• Limited Options for Very Healthy Individuals: If you are young and in excellent health, you can typically get more coverage for a lower premium through traditional underwriting. A no-exam policy might not offer the best value in this scenario unless speed or convenience is the absolute top priority.
• Underwriting Still Occurs (for SI): Simplified Issue still involves answering health questions and checking databases. It’s not automatic approval, and misrepresentation can lead to claim denial.

Finding the Right Balance with Insurance By Heroes

The key takeaway is that the “best” type of life insurance isn’t universal; it’s deeply personal. The pros of a no-exam policy might heavily outweigh the cons for someone needing coverage fast or avoiding an exam, while the cost savings of traditional underwriting might be paramount for someone else. Because the landscape of no-exam policies varies significantly between insurers – with different costs, coverage limits, and underwriting niches – navigating these options effectively requires comparison. This is where Insurance By Heroes makes a critical difference. As an independent agency founded on principles of service and trust, we analyze your unique situation against the offerings of dozens of carriers. We help you understand if the convenience of a life insurance policy without medical exam justifies the potential extra cost or lower coverage cap *for you*, ensuring you find the optimal balance between coverage, cost, and convenience from a carrier that fits your profile.

Who is a Good Candidate for Life Insurance Without an Exam?

While anyone can explore no-exam options, certain individuals and situations are particularly well-suited for this type of coverage:

• Those Needing Coverage Quickly: If you have an urgent need for life insurance – perhaps to collateralize a business loan (SBA often requires life insurance), satisfy a divorce decree, or simply want fast peace of mind – the accelerated timeline of no-exam policies (especially Simplified Issue) is a major benefit.
• People with Exam Anxiety or Phobias: Individuals who experience significant stress or fear related to medical exams or needles find no-exam policies a much more comfortable alternative.
• Younger, Healthy Individuals Seeking Convenience: If you’re relatively young (e.g., under 50 or 60) and generally healthy, you might qualify for a sizable Simplified Issue policy (e.g., up to $500k or more) very quickly. For many, the slightly higher premium is worth avoiding the hassle of an exam for moderate coverage amounts.
• Individuals with Moderate, Controlled Health Conditions: Some Simplified Issue policies may be more lenient towards certain well-managed chronic conditions (like controlled high blood pressure or cholesterol) than traditional underwriting might be, or might simply offer a faster path to approval. However, this varies greatly by carrier, making comparison shopping crucial. Insurance By Heroes can identify carriers whose SI underwriting niches align with specific conditions.
• Those with Significant Health Issues Needing Final Expense Coverage: For individuals whose health problems make them uninsurable through traditional or Simplified Issue routes, Guaranteed Issue life insurance offers a way to secure a smaller amount of coverage (typically $5k-$25k) to cover funeral costs and other end-of-life expenses, despite their health status.
• Busy Professionals and Parents: If your schedule makes coordinating a medical exam difficult, the streamlined, often online or phone-based application process for no-exam life insurance is highly appealing.

It’s important to reiterate that “no-exam” doesn’t mean it’s right for everyone. If you are very healthy and seeking the maximum possible coverage for the lowest possible premium, traditional underwriting will likely offer better value. Determining if you fall into one of the candidate groups above, and which *type* of no-exam policy (SI or GI) is appropriate, requires careful consideration. The team at Insurance By Heroes, with our background in service and commitment to our clients, can help you assess your situation, compare relevant quotes from our network of carriers, and determine if a life insurance policy without examination is indeed your best strategy.

How Does the Application Process Work?

While skipping the physical exam is the main draw, applying for life insurance without a medical exam still involves a process. The steps vary slightly depending on whether you’re applying for Simplified Issue or Guaranteed Issue.

Simplified Issue Application Process:

1. Initial Quote & Consultation: It typically starts with requesting a quote, often through an online form like the one on this page. An agent, such as a dedicated professional from Insurance By Heroes, will then likely contact you to discuss your needs (coverage amount, term length), budget, and gather preliminary health information to gauge eligibility and provide initial quotes from suitable carriers.
2. Formal Application: You’ll complete a formal application, which can often be done online, over the phone with the agent, or via e-signature documents. This application includes the critical health questionnaire. Be prepared to answer questions about your medical history, current health, medications, lifestyle (smoking, drinking, hobbies), family history, height/weight, and possibly financial information.
3. Information Verification: With your authorization (obtained during the application), the insurance company will access various databases to verify the information you provided. This includes checks with the MIB, prescription databases (Rx check), and the Department of Motor Vehicles (MVR).
4. Potential Phone Interview: Some insurers may require a brief telephone interview to confirm details on your application or clarify answers to health questions.
5. Underwriting Decision: Based on your application, questionnaire answers, and database checks, the underwriter makes a decision. This could be approval at a specific rate class, a request for more information, or potentially a decline if significant risk factors are discovered.
6. Policy Issuance: If approved, the policy documents are issued, often electronically, and coverage begins once the first premium payment is made.

Accuracy and honesty during the Simplified Issue application are vital. Misrepresenting your health or lifestyle can lead to the policy being rescinded or claims being denied later.

Guaranteed Issue Application Process:

The GI process is much simpler due to the absence of medical underwriting:

1. Quote and Eligibility Check: You’ll get quotes based primarily on your age, gender, desired coverage amount, and state of residence. The main eligibility check is confirming you fall within the carrier’s acceptable age range (e.g., 50-85).
2. Basic Application: The application form is typically very short, asking for basic identifying information (name, address, date of birth), beneficiary details, the coverage amount, and payment information. There are no health questions.
3. Verification: The insurer verifies your identity and age.
4. Policy Issuance: Since approval is guaranteed based on age, policies are often issued very quickly, sometimes within minutes or hours of application submission and payment setup. Coverage begins according to the policy terms, subject to the graded death benefit period.

Regardless of the type, working with an agent from Insurance By Heroes can streamline the process. We guide you through the application, help you understand the questions, ensure accuracy, and liaise with the carrier, making the journey to obtaining life insurance without a health exam as smooth as possible.

Comparing No-Exam Policies: What to Look For

Once you’ve decided that life insurance without a medical exam might be right for you, the next step is choosing a specific policy. With numerous carriers offering different products, careful comparison is key. Here’s what you should evaluate, and where an independent agency like Insurance By Heroes adds significant value:

• Coverage Amount (Face Amount): Does the maximum coverage offered meet your financial protection needs? Simplified Issue policies offer higher limits than Guaranteed Issue, but even SI caps vary by insurer. Ensure the policy provides enough funds for your intended purpose (income replacement, mortgage, final expenses).
• Premium Cost: Obtain quotes from multiple carriers for the same coverage amount and term (if applicable). Are the premiums guaranteed level for the life of the policy (common for GI whole life and term SI) or do they increase over time? Don’t just look at the initial price; consider the long-term cost.
• Type of Policy: Is it Term Life (coverage for a specific period, e.g., 10, 20, 30 years) or Whole Life (lifelong coverage, typically builds cash value)? Most GI policies are whole life. SI policies can be either term or whole life. Choose the type that aligns with the duration of your need.
• Underwriting Type & Process: Clearly understand if it’s Simplified Issue (health questions, database checks) or Guaranteed Issue (no health questions, graded benefit). If considering an Accelerated Underwriting program, know that an exam might still be requested.
• Carrier Reputation and Financial Strength: Life insurance is a long-term promise. Choose an insurer with a strong track record of paying claims and excellent financial stability ratings from independent agencies like A.M. Best (look for A-rated or better), Standard & Poor’s, or Moody’s. Insurance By Heroes only works with reputable, highly-rated carriers.
• Graded Death Benefit Details (Crucial for GI): If considering Guaranteed Issue, meticulously check the length of the graded period (usually 2 or 3 years) and what is paid during that time if death is non-accidental (typically return of premium plus a certain percentage of interest – compare this percentage).
• Riders and Policy Features: Does the policy offer optional riders (add-ons) that might be valuable to you, such as an Accidental Death Benefit rider (often included), a Child Rider, or a Waiver of Premium rider? Understand the terms and costs of any available riders.
• Conversion Options (for Term SI): If you’re buying Simplified Issue term life, does it include a conversion privilege allowing you to convert it to a permanent policy later without further evidence of insurability?

Comparing these factors across potentially dozens of different insurance companies can be overwhelming. This complexity is precisely why partnering with Insurance By Heroes is so advantageous. We have access to a wide array of no-exam products from numerous top carriers. Our team, leveraging its service-oriented background, does the heavy lifting of comparing these intricate details – premiums, coverage limits, underwriting nuances, graded benefit terms, carrier ratings – based on *your* specific profile and needs. We know that Company A’s “life insurance without examination” might be perfect for one client but unsuitable for another. Our independence allows us to objectively present you with the most competitive and appropriate options the market has to offer, tailored just for you.

Common Misconceptions About No-Exam Life Insurance

Despite its growing popularity, several misconceptions still surround life insurance without a medical exam. Let’s clear up some common misunderstandings:

• Misconception 1: “It’s always the fastest way to get coverage.” While often much faster than traditional underwriting, approval isn’t always instantaneous, especially for Simplified Issue. Insurers still need time to review applications, check databases, and potentially conduct phone interviews. Delays can occur if information is missing or needs clarification. However, it is generally significantly quicker than the weeks or months traditional underwriting can take.
• Misconception 2: “Approval is guaranteed.” This is only true for Guaranteed Issue policies (within age limits). Simplified Issue policies absolutely involve underwriting based on your health questionnaire and database checks. You can still be declined for SI coverage if you have significant health conditions or risk factors identified during the review.
• Misconception 3: “It’s only for unhealthy people.” While Guaranteed Issue serves those with major health issues, Simplified Issue is frequently chosen by healthy individuals, particularly younger people, who prioritize speed and convenience over the lowest possible premium attainable through full underwriting.
• Misconception 4: “It’s always much more expensive.” While the cost per thousand dollars of coverage is generally higher than fully underwritten policies for healthy applicants, it’s not always drastically more. For some, the moderate increase is a worthwhile trade-off for convenience. Also, a smaller no-exam policy might have a lower overall premium than a larger traditionally underwritten policy if your coverage needs are limited. The key is comparing *your* specific quotes. Sometimes, for certain age bands or moderate health ratings, SI rates can be surprisingly competitive.
• Misconception 5: “You don’t have to disclose your health history.” This is dangerously false for Simplified Issue. You must answer all health questions truthfully and completely. Insurers verify this information. Intentional misrepresentation is considered fraud and can lead to the policy being voided and claims denied, even years later. Only Guaranteed Issue policies skip health questions.
• Misconception 6: “All no-exam policies are the same.” As detailed earlier, Simplified Issue and Guaranteed Issue are vastly different in terms of underwriting, coverage amounts, cost, and target audience. Even within SI, carrier guidelines and pricing vary significantly. Assuming all non-med policies are alike can lead to choosing unsuitable coverage.

Understanding these distinctions is vital. Insurance By Heroes helps cut through the confusion, ensuring you have accurate information and realistic expectations about the process, costs, and benefits of pursuing life insurance without a medical exam.

Why Work With an Independent Agency Like Insurance By Heroes?

When searching for any type of life insurance, especially navigating the nuances of no-exam policies, you have choices: go directly to a single insurance company or work with an independent agency. The advantages of partnering with an independent agency like Insurance By Heroes are significant, particularly in finding the *best fit* for your unique situation.

Here’s why choosing Insurance By Heroes makes sense:

• Unbiased Choice and Market Access: We are not captive agents bound to sell products from only one company. Insurance By Heroes works with dozens of different highly-rated insurance carriers across the country. This means we can shop the entire market for you, comparing various “life insurance without medical exam” options to find the policy that offers the best combination of coverage, features, and price based on your specific circumstances. We identify which carriers have the most favorable underwriting for your health profile or offer the most competitive rates for the coverage you need.
• Specialized Expertise: Our team understands the intricacies of different life insurance products, including the specific underwriting rules, benefits, and limitations of various Simplified Issue and Guaranteed Issue policies from multiple insurers. We know which carriers excel in certain niches (e.g., better rates for diabetics, faster SI processing, higher GI coverage limits). This expertise saves you time and helps avoid applying for policies you’re unlikely to qualify for or that aren’t competitively priced.
• Tailored Solutions, Not One-Size-Fits-All: We recognize that every client is unique. Your health, budget, family needs, and reasons for seeking no-exam insurance differ from others. We take the time to understand your situation and tailor our recommendations accordingly. Our goal isn’t just to sell a policy; it’s to find the *right* policy that truly protects your loved ones. We champion the idea that not every company or policy suits every individual.
• Guidance Through Complexity: From understanding graded death benefits to navigating health questionnaires accurately and comparing premium structures, the world of insurance can be complex. We act as your advocate and guide, simplifying the process, answering your questions clearly, and ensuring you understand what you are buying.
• Rooted in Service: Insurance By Heroes was founded by a former first responder and military spouse, and our team includes professionals with similar backgrounds in public service. This foundation instills a deep commitment to integrity, trust, and serving our clients’ best interests. We bring that same dedication to helping you secure your family’s financial future.
• No Extra Cost to You: Our compensation typically comes from the insurance carrier that issues your policy. You don’t pay extra fees for our expertise, market access, and personalized guidance. You get the benefit of our independent advice and comparison shopping without an added cost.

Choosing life insurance is too important for guesswork or settling for the first option you find. Let Insurance By Heroes put its independence, expertise, and service commitment to work for you.

Getting Your No-Exam Life Insurance Quote

Exploring life insurance without a medical exam is a smart step towards securing financial peace of mind for your loved ones, quickly and conveniently. You’ve learned about the types, benefits, drawbacks, and who it suits best. Now, it’s time to see what options are available specifically for you.

Ready to discover if a life insurance policy without exam requirements is the right choice for your needs and budget? Don’t try to navigate the complex web of carriers and policy variations alone. Let the dedicated, service-driven team at Insurance By Heroes assist you.

As an independent agency founded by individuals who understand commitment and trust, we’re here to help you compare personalized quotes from dozens of top-rated insurance companies. We’ll analyze your situation, explain your options clearly, and help you find the coverage that best protects your family’s future – all without the need for a traditional medical exam if that’s the right path for you.

Take the next step today. Fill out the secure quote request form right here on this page. It takes just a few moments. An experienced Insurance By Heroes professional will then reach out to discuss your needs, answer your questions, and provide you with tailored, no-obligation quotes. Let us help you find the right protection, the right way.