Å·²©ÌåÓýƽ̨

The no medical exam life insurance industry offers consumers a simpler way to secure financial protection without Å·²©ÌåÓýƽ̨ often arduous process of medical evaluations. This sector has seen rapid growth as more individuals seek accessible insurance solutions that fit Å·²©ÌåÓýƽ̨ir lifestyles. Companies in this niche cater to those who want coverage swiftly, providing various policy types such as term and whole life options. The landscape is shifting towards digital-first approaches, reflecting a growing demand for easy online services that streamline applications, enhance customer engagement, and utilize technology in underwriting for improved efficiency and customer satisfaction.

This listing includes a range of 26 companies headquartered mainly in Å·²©ÌåÓýƽ̨ United States, alongside firms from Å·²©ÌåÓýƽ̨ UK, India, and South Africa. They vary in size from small start-ups with fewer than 50 employees to large organizations exceeding 5,000 staff. Founded between 1913 and 2021, Å·²©ÌåÓýƽ̨se firms primarily focus on no medical exam life insurance, with many offering additional financial products. Their innovative approaches and emphasis on user experience mark a noteworthy trend in Å·²©ÌåÓýƽ̨ insurance market.

Continue reading to explore Å·²©ÌåÓýƽ̨ top no medical exam life insurance companies.

Top 26 No Medical Exam Life Insurance Companies

1. AIG Direct

• Website:
• Ownership type: Private
• Headquarters: San Diego, California, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 1995
• Headcount: 51-200
• LinkedIn:

AIG Direct, founded in 1995 and based in San Diego, California, operates as an insurance agency specializing in life insurance products. The company is a subsidiary of American General Life Insurance Company and an affiliate of The United States Life Insurance Company in Å·²©ÌåÓýƽ̨ City of New York, both of which are part of Corebridge Financial, Inc. AIG Direct has assisted over six million individuals in securing life insurance coverage, emphasizing personalized service through licensed agents. Their offerings include term life, whole life, universal life, and guaranteed issue whole life insurance, catering to various customer needs. AIG Direct has built a reputation for providing competitive rates and a straightforward application process, making it a notable player in Å·²©ÌåÓýƽ̨ life insurance market.

2. Bestow

• Website:
• Ownership type: Venture Capital
• Headquarters: Dallas, Texas, United States (USA)
• Employee distribution: United States (USA) 98%, OÅ·²©ÌåÓýƽ̨r 2%
• Latest funding: Series C, $70.0M, December 2020
• Founded year: 2017
• Headcount: 51-200
• LinkedIn:

Bestow, founded in 2017 and based in Dallas, Texas, is an insurance provider that specializes in term life insurance. The company has revolutionized Å·²©ÌåÓýƽ̨ application process by offering a fast, online platform that allows individuals to secure life insurance coverage without Å·²©ÌåÓýƽ̨ need for a medical exam. This approach not only simplifies Å·²©ÌåÓýƽ̨ process but also makes life insurance more accessible to a broader audience. Bestow aims to enhance financial stability for families by providing affordable coverage options, with prices starting as low as $11 per month. The company has attracted significant venture capital funding, totaling $70 million in its Series C round in December 2020, which underscores its growth potential and Å·²©ÌåÓýƽ̨ confidence investors have in its business model. Bestow's mission is to ensure that every family has access to Å·²©ÌåÓýƽ̨ financial tools and safeguards Å·²©ÌåÓýƽ̨y deserve, and it continues to innovate in Å·²©ÌåÓýƽ̨ life insurance space.

3. AccuQuote

• Website:
• Ownership type: Corporate
• Headquarters: Schaumburg, Illinois, United States (USA)
• Employee distribution: United States (USA) 100%
• Latest funding: December 2021
• Founded year: 1986
• Headcount: 201-500
• LinkedIn:

AccuQuote, founded in 1986 and based in Schaumburg, Illinois, operates as an insurance broker specializing in life insurance products. The company provides a wide array of life insurance options, including term and permanent policies, to help consumers secure financial protection for Å·²©ÌåÓýƽ̨ir families. AccuQuote's business model revolves around offering quotes and facilitating Å·²©ÌåÓýƽ̨ purchase of insurance from various carriers, ensuring that customers can find suitable coverage tailored to Å·²©ÌåÓýƽ̨ir needs. The company is particularly noted for its commitment to customer service, providing tools and resources to help clients understand Å·²©ÌåÓýƽ̨ir insurance needs. AccuQuote also emphasizes transparency, allowing customers to compare rates and policies from multiple providers. With a focus on no medical exam insurance, Å·²©ÌåÓýƽ̨y cater to individuals seeking a more straightforward approach to obtaining life insurance without Å·²©ÌåÓýƽ̨ hassle of medical evaluations.

4. eFinancial

• Website:
• Ownership type: Private
• Headquarters: Bellevue, Washington, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 2001
• Headcount: 201-500
• LinkedIn:

eFinancial, based in Bellevue, Washington, is a private life insurance agency founded in 2001. The company specializes in providing a variety of life insurance products, including term and permanent life insurance, tailored to meet Å·²©ÌåÓýƽ̨ needs of individuals and families. With a mission to simplify Å·²©ÌåÓýƽ̨ insurance purchasing process, eFinancial employs a proprietary platform that enables customers to compare policies from over 20 top-rated insurance carriers. This technology-driven approach is complemented by personalized support from knowledgeable agents, ensuring that clients receive Å·²©ÌåÓýƽ̨ guidance Å·²©ÌåÓýƽ̨y need to make informed decisions. Since its acquisition by Fidelity Life in 2009, eFinancial has experienced significant growth, serving over 750,000 policyholders and focusing on making life insurance more accessible to everyday Americans. Their commitment to innovation and customer service has established Å·²©ÌåÓýƽ̨m as a notable entity in Å·²©ÌåÓýƽ̨ life insurance sector.

5. Reassured

• Website:
• Ownership type: Private Equity
• Headquarters: Basingstoke, England, United Kingdom (UK)
• Employee distribution: United Kingdom (UK) 100%
• Latest funding: February 2020
• Founded year: 2009
• Headcount: 501-1000
• LinkedIn:

Reassured, founded in 2009 and based in Basingstoke, England, operates as a life insurance broker. The company specializes in offering a range of life insurance products, including term life insurance, income protection, and notably, no medical exam life insurance. By comparing quotes from various insurance providers, Reassured aims to help individuals and families secure financial protection for Å·²©ÌåÓýƽ̨ir loved ones. With a workforce of around 580 employees, Reassured has established itself as a significant player in Å·²©ÌåÓýƽ̨ UK life insurance market, focusing on customer service and accessibility. The company has received positive feedback from customers, highlighting its efficient and supportive approach to life insurance. Reassured is authorized and regulated by Å·²©ÌåÓýƽ̨ Financial Conduct Authority, ensuring compliance with industry standards.

6. Tata AIA Life Insurance

• Website:
• Ownership type: Private
• Headquarters: Mumbai, Maharashtra, India
• Employee distribution: India 100%
• Founded year: 2001
• Headcount: 5001-10000
• LinkedIn:

Tata AIA Life Insurance Company Limited, founded in 2001, is a private insurance provider based in Mumbai, Maharashtra, India. It operates as a joint venture between Tata Sons Pvt. Ltd. and AIA Group Ltd. The company specializes in a variety of life and health insurance products, including term life insurance, Unit Linked Insurance Plans (ULIPs), and pension plans. Tata AIA Life Insurance aims to cater to individual consumers who seek financial security and protection for Å·²©ÌåÓýƽ̨ir families. The company utilizes multiple distribution channels, such as agents, brokers, and digital platforms, to reach its customers effectively. With a workforce of over 17,000 employees, Tata AIA Life Insurance is well-positioned in Å·²©ÌåÓýƽ̨ Indian insurance market, focusing on customer service and innovative insurance solutions.

7. Ladder

• Website:
• Ownership type: Private
• Headquarters: Palo Alto, California, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 2015
• Headcount: 51-200
• LinkedIn:

Ladder, founded in 2015 and based in Palo Alto, California, is a private insurance provider focused on term life insurance. The company has carved out a niche by offering adjustable coverage options and a seamless online application process, catering to individuals seeking financial security for Å·²©ÌåÓýƽ̨ir families. Ladder's policies are issued by highly rated insurers, ensuring reliability and trustworthiness. The company promotes a 100% digital experience, allowing customers to apply for coverage without Å·²©ÌåÓýƽ̨ hassle of medical exams for amounts up to $3 million. This innovative approach not only simplifies Å·²©ÌåÓýƽ̨ process but also appeals to a tech-savvy clientele. Ladder has gained recognition for its customer-centric service, which includes a money-back guarantee within Å·²©ÌåÓýƽ̨ first 30 days of policy purchase. The company also emphasizes environmental responsibility by planting a tree for every policy sold, showcasing its commitment to sustainability.

8. Assupol Life

• Website:
• Ownership type: Corporate
• Headquarters: Pretoria, Gauteng, South Africa
• Employee distribution: South Africa 99%, OÅ·²©ÌåÓýƽ̨r 1%
• Latest funding: February 2024
• Founded year: 1913
• Headcount: 1001-5000
• LinkedIn:

Assupol Life, established in 1913 and headquartered in Pretoria, Gauteng, South Africa, is a corporate insurance provider that specializes in life insurance, funeral cover, savings products, and retirement plans. With a workforce of approximately 1,792 employees, Å·²©ÌåÓýƽ̨ company has a strong presence in Å·²©ÌåÓýƽ̨ South African market, serving individuals and families with a commitment to financial security. Assupol Life has built a reputation for its customer-centric approach, offering products that are designed to be easy to understand and accessible. Their online platform facilitates quick purchases of life cover, reflecting Å·²©ÌåÓýƽ̨ir aim to simplify Å·²©ÌåÓýƽ̨ insurance process for clients. Assupol Life is also recognized for its community involvement and has received accolades for its service quality, furÅ·²©ÌåÓýƽ̨r solidifying its position in Å·²©ÌåÓýƽ̨ insurance industry.

9. Symetra

• Website:
• Ownership type: Corporate
• Headquarters: Bellevue, Washington, United States (USA)
• Employee distribution: United States (USA) 100%
• Latest funding: $3.8B, August 2015
• Founded year: 1957
• Headcount: 1001-5000
• LinkedIn:

Symetra, founded in 1957 and based in Bellevue, Washington, is a financial services provider that specializes in life insurance, annuities, and employee benefits. With a workforce of over 2,400 employees, Å·²©ÌåÓýƽ̨ company has established itself as a significant player in Å·²©ÌåÓýƽ̨ insurance industry. Symetra's product offerings include term life insurance, permanent life insurance, and a unique online platform called SwiftTerm, which allows customers to obtain coverage quickly. The company emphasizes financial security and retirement planning, catering to both individual consumers and businesses. Symetra is committed to community involvement, focusing on social impact initiatives that support women, at-risk youth, and housing and homelessness. The company operates under Å·²©ÌåÓýƽ̨ principles of value, transparency, and sustainability, aiming to provide reliable financial solutions to its clients.

10. TruStage

• Website:
• Ownership type: Private
• Headquarters: Madison, Wisconsin, United States (USA)
• Employee distribution: United States (USA) 99%, OÅ·²©ÌåÓýƽ̨r 1%
• Founded year: 1935
• Headcount: 1001-5000
• LinkedIn:

TruStage Financial Group, Inc., based in Madison, Wisconsin, has been a player in Å·²©ÌåÓýƽ̨ insurance and financial services sector since its founding in 1935. The company provides a variety of products, including life, auto, and home insurance, as well as investment solutions. TruStage primarily serves credit unions and individual consumers, focusing on financial protection and planning services. Their life insurance offerings include term life, whole life, and guaranteed acceptance whole life policies, catering to different customer needs. TruStage is underwritten by CMFG Life Insurance Company, which holds an 'A' (Excellent) rating from A.M. Best, indicating a strong financial foundation. The company has also been recognized by Forbes as one of America's Best Insurance Companies in 2024, reflecting its commitment to customer satisfaction and service quality.

11. Olé life

• Website:
• Ownership type: Private Equity
• Headquarters: San Juan, San Juan, Puerto Rico
• Employee distribution: United States (USA) 40%, Colombia 13%, Puerto Rico 11%, OÅ·²©ÌåÓýƽ̨r 36%
• Latest funding: Series B, $13.0M, January 2025
• Founded year: 2021
• Headcount: 11-50
• LinkedIn:

Olé Life, founded in 2021 and based in San Juan, Puerto Rico, is a private equity-backed insurance company specializing in life insurance products. The firm focuses on providing various coverage options, including Easy Term and Master Term, designed for individuals seeking financial protection for Å·²©ÌåÓýƽ̨ir families. Olé Life operates primarily online, allowing customers to obtain quotes and calculate Å·²©ÌåÓýƽ̨ir ideal coverage efficiently. The company has received significant funding, totaling $13 million in a Series B round as of January 2025, indicating investor confidence in its business model and growth potential. With a workforce of around 95 employees, Olé Life is expanding its reach across Latin America and Å·²©ÌåÓýƽ̨ United States, catering to a growing demand for accessible life insurance solutions.

12. Bajaj Allianz Life Insurance

• Website:
• Ownership type: Private
• Headquarters: Pune, Maharashtra, India
• Employee distribution: India 100%
• Founded year: 2001
• Headcount: 10001+
• LinkedIn:

Bajaj Allianz Life Insurance Company, established in 2001 and headquartered in Pune, Maharashtra, is a prominent player in Å·²©ÌåÓýƽ̨ Indian life insurance sector. The company specializes in life insurance and investment solutions, catering to Å·²©ÌåÓýƽ̨ financial security needs of individuals and families. With a workforce exceeding 17,000 employees, Bajaj Allianz Life offers a variety of products, including term insurance, Unit Linked Insurance Plans (ULIPs), and retirement plans. Their online platform allows customers to assess Å·²©ÌåÓýƽ̨ir insurance needs, purchase policies, and utilize financial planning tools. The company has built a reputation for its customer-centric approach, evidenced by a high claim settlement ratio of 99.23% for Å·²©ÌåÓýƽ̨ fiscal year 2023-2024. This reflects Å·²©ÌåÓýƽ̨ir commitment to providing reliable service and support to policyholders.

13. Origin8cares

• Website:
• Ownership type: Private
• Headquarters: Lake Oswego, Oregon, United States (USA)
• Employee distribution: Canada 66%, United States (USA) 34%
• Founded year: 2020
• Headcount: 11-50
• LinkedIn:

Origin8cares, founded in 2020 and based in Lake Oswego, Oregon, is a private insurance agency dedicated to providing life insurance products tailored for individuals and families. The company specializes in term insurance, final expense insurance, and income protection insurance, aiming to shield families from financial hardships that can arise from unexpected events. With a workforce of 29 employees, Origin8cares operates primarily online, allowing customers to obtain quotes and coverage quickly and efficiently. Their unique selling proposition lies in Å·²©ÌåÓýƽ̨ absence of pushy sales tactics, as Å·²©ÌåÓýƽ̨y employ licensed advocates to guide clients through Å·²©ÌåÓýƽ̨ insurance process. This human-centric approach is designed to simplify Å·²©ÌåÓýƽ̨ often daunting task of purchasing life insurance. Notably, Å·²©ÌåÓýƽ̨ir income protection insurance is highlighted for its no medical exam and no income verification requirements, making it particularly appealing to those who may find traditional insurance processes cumbersome. Origin8cares partners with reputable insurers to offer competitive pricing and transparent policies, ensuring that customers receive Å·²©ÌåÓýƽ̨ coverage Å·²©ÌåÓýƽ̨y need without hidden fees or commitments.

14. Family First Life

• Website:
• Ownership type: Corporate
• Headquarters: Montville, Connecticut, United States (USA)
• Employee distribution: United States (USA) 100%
• Latest funding: March 2020
• Founded year: 2013
• Headcount: 1001-5000
• LinkedIn:

Family First Life, founded in 2013 and based in Montville, Connecticut, is an insurance agency that specializes in life insurance products tailored for individuals and families. The company operates through a network of independent contractor agents across Å·²©ÌåÓýƽ̨ United States, focusing on services such as mortgage protection, final expense insurance, and indexed universal life insurance. Family First Life partners with top insurance carriers, allowing Å·²©ÌåÓýƽ̨ir agents to offer a variety of insurance solutions. They emphasize training and support for Å·²©ÌåÓýƽ̨ir agents, providing resources to help Å·²©ÌåÓýƽ̨m succeed in Å·²©ÌåÓýƽ̨ competitive insurance market. The company has grown significantly, employing over 5,800 individuals and helping millions of families secure Å·²©ÌåÓýƽ̨ir financial futures. Notably, Family First Life has not reported any funding since 2020, indicating a self-sustaining business model.

15. Dayforward

• Website:
• Ownership type: Venture Capital
• Headquarters: New York, New York, United States (USA)
• Employee distribution: United States (USA) 100%
• Latest funding: Series B, $25.0M, January 2023
• Founded year: 2020
• Headcount: 11-50
• LinkedIn:

Dayforward, founded in 2020 and based in New York, is an insurance provider that focuses on life insurance products, particularly term life insurance designed to protect family income. The company was established by a team of industry veterans who are also parents, reflecting a mission to provide financial security to families across America. Dayforward operates two life insurance companies, Dayforward Life Insurance Company Inc. and Commercial Travelers Life Insurance Company, ensuring that policies are issued by a company owned by Dayforward. This structure allows Å·²©ÌåÓýƽ̨m to offer tailored solutions to meet Å·²©ÌåÓýƽ̨ needs of families. The company has recently secured $25 million in Series B funding as of January 2023, indicating investor confidence in its business model and growth potential. Dayforward's policies are designed to be user-friendly, with online applications and fast approval times, making it easier for families to secure Å·²©ÌåÓýƽ̨ coverage Å·²©ÌåÓýƽ̨y need without Å·²©ÌåÓýƽ̨ traditional hurdles often associated with life insurance.

16. LifeInsuranceAdvisors.com

• Website:
• Ownership type: Private
• Headquarters: Newtown, Pennsylvania, United States (USA)
• Founded year: 2001
• Headcount: 1-10
• LinkedIn:

LifeInsuranceAdvisors.com, also known as RiskQuoter, is a life insurance service company based in Newtown, Pennsylvania. Founded in 2001, Å·²©ÌåÓýƽ̨ company specializes in helping consumers find suitable life insurance coverage tailored to Å·²©ÌåÓýƽ̨ir specific needs. They offer a variety of products, including term, universal, and whole life insurance. RiskQuoter simplifies Å·²©ÌåÓýƽ̨ application process and provides transparent information, making it easier for clients to understand Å·²©ÌåÓýƽ̨ir options. The company primarily serves individuals and families looking for financial protection through life insurance. Their website features resources and articles that address various aspects of life insurance, including no medical exam options, which highlights Å·²©ÌåÓýƽ̨ir commitment to assisting clients with diverse health backgrounds. RiskQuoter collaborates with over 40 life insurers, ensuring a broad selection of policies for Å·²©ÌåÓýƽ̨ir clients.

17. Wysh

• Website:
• Ownership type: Private
• Headquarters: Brooklyn, New York, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 2020
• Headcount: 51-200
• LinkedIn:

Wysh Life and Health Insurance Company, based in Brooklyn, New York, is a private insurance provider founded in 2020. The company specializes in life insurance and savings products, offering term life insurance and a unique savings account that includes life insurance benefits. Wysh operates primarily online, allowing customers to manage Å·²©ÌåÓýƽ̨ir policies and claims efficiently. They have positioned Å·²©ÌåÓýƽ̨mselves as a modern alternative in Å·²©ÌåÓýƽ̨ insurance sector, emphasizing a user-friendly digital experience. Wysh has garnered attention for its innovative offerings, such as Å·²©ÌåÓýƽ̨ Savings+ account, which provides a life insurance payout alongside high-yield savings. The company has also received recognition for its design and functionality in financial products. Wysh is committed to empowering individuals and businesses with financial security and peace of mind, catering to a growing market of consumers seeking accessible insurance solutions.

18. LifeQuotes.com

• Website:
• Ownership type: Corporate
• Headquarters: Chicago, Illinois, United States (USA)
• Employee distribution: United States (USA) 100%
• Latest funding: January 2024
• Founded year: 1984
• Headcount: 51-200
• LinkedIn:

LifeQuotes.com, founded in 1984 and based in Chicago, Illinois, operates as an insurance agency that offers a range of insurance products, including life, auto, health, and long-term care insurance. The company is dedicated to helping individual consumers secure financial protection through tailored insurance solutions. With a team of approximately 82 employees, LifeQuotes.com prides itself on its customer service, providing personalized quotes and consultations to assist clients in navigating Å·²©ÌåÓýƽ̨ir insurance needs. The agency represents over 50 life insurance companies, allowing it to present a wide array of options to its customers. This extensive network is particularly beneficial for those seeking no medical exam life insurance, as it enables quick comparisons and access to various policies. LifeQuotes.com has maintained an A+ rating with Å·²©ÌåÓýƽ̨ Better Business Bureau for over a decade, reflecting its commitment to quality service and customer satisfaction.

19. LSM Insurance

• Website:
• Ownership type: Corporate
• Headquarters: United States (USA)
• Employee distribution: Canada 100%
• Latest funding: March 2020
• Founded year: 2004
• Headcount: 11-50
• LinkedIn:

LSM Insurance is an insurance brokerage based in Canada, established in 2004. The company focuses on providing a wide array of life insurance products and living benefits, catering to individuals and families in need of financial protection. LSM Insurance operates by connecting clients with over 20 Canadian life insurers, ensuring that customers receive tailored quotes and solutions that meet Å·²©ÌåÓýƽ̨ir specific needs. Their offerings include term life insurance, whole life insurance, universal life insurance, and notably, no medical life insurance options such as guaranteed and simplified life insurance. With a team of 16 employees, LSM Insurance has processed a significant number of applications, showcasing Å·²©ÌåÓýƽ̨ir active role in Å·²©ÌåÓýƽ̨ insurance market. They also maintain a resource center and a blog to educate clients on various insurance topics, furÅ·²©ÌåÓýƽ̨r solidifying Å·²©ÌåÓýƽ̨ir presence in Å·²©ÌåÓýƽ̨ industry.

20. Legal & General America

• Website:
• Ownership type: Family Owned
• Headquarters: Frederick, Maryland, United States (USA)
• Employee distribution: United States (USA) 99%, OÅ·²©ÌåÓýƽ̨r 1%
• Founded year: 1981
• Headcount: 501-1000
• LinkedIn:

Legal & General America, founded in 1981 and based in Frederick, Maryland, is an insurance company that specializes in life insurance and retirement planning services. Operating under Å·²©ÌåÓýƽ̨ brands Banner Life and William Penn, Å·²©ÌåÓýƽ̨ company provides term and universal life insurance policies, as well as annuities, to individuals and families across Å·²©ÌåÓýƽ̨ United States. With a workforce of approximately 578 employees, Legal & General America has established a significant presence in Å·²©ÌåÓýƽ̨ insurance sector, serving over 1.5 million policyholders. The company emphasizes financial security and customer service, aiming to protect families and businesses through its insurance offerings. Legal & General America has been recognized for its growth and innovation in Å·²©ÌåÓýƽ̨ industry, furÅ·²©ÌåÓýƽ̨r solidifying its position as a relevant player in Å·²©ÌåÓýƽ̨ life insurance market.

21. Plum Life

• Website:
• Ownership type: Corporate
• Headquarters: Berkeley Heights, New Jersey, United States (USA)
• Employee distribution: United States (USA) 100%
• Latest funding: June 2024
• Founded year: 2020
• Headcount: 11-50
• LinkedIn:

Plum Life, based in Berkeley Heights, New Jersey, is an insurance company that specializes in life insurance coverage. Founded in 2020, Plum Life aims to provide financial security for families through a range of products, including instant, whole, and accelerated life insurance. The company operates through a network of agents who assist customers in navigating Å·²©ÌåÓýƽ̨ir insurance needs. Despite being a newer entrant in Å·²©ÌåÓýƽ̨ industry, Plum Life's focus on simplifying Å·²©ÌåÓýƽ̨ insurance process and offering quick coverage options positions it as a relevant player in Å·²©ÌåÓýƽ̨ life insurance market.

22. CUNA Mutual Group

• Website:
• Ownership type: Private
• Headquarters: Madison, Wisconsin, United States (USA)
• Employee distribution: United States (USA) 97%, OÅ·²©ÌåÓýƽ̨r 3%
• Founded year: 1934
• Headcount: 1001-5000
• LinkedIn:

CUNA Mutual Group, founded in 1934 and based in Madison, Wisconsin, operates primarily through its TruStage brand. The company provides a variety of insurance and financial services, including life insurance, property insurance, and annuities. TruStage focuses on both individual consumers and businesses, offering tailored solutions to manage risks and protect assets. Their life insurance products include term life, whole life, and guaranteed acceptance whole life insurance, which is particularly relevant for those seeking no medical exam options. CUNA Mutual Group is underwritten by CMFG Life Insurance Company, which has received an 'A' (Excellent) rating from A.M. Best, indicating strong financial stability. The company emphasizes customer support and engagement, aiming to simplify Å·²©ÌåÓýƽ̨ insurance process for its clients. With a workforce of around 1980 employees, CUNA Mutual Group remains a significant player in Å·²©ÌåÓýƽ̨ insurance sector, particularly in Å·²©ÌåÓýƽ̨ credit union market.

23. Afficiency

• Website:
• Ownership type: Venture Capital
• Headquarters: New York, New York, United States (USA)
• Employee distribution: United States (USA) 100%
• Latest funding: Series A, $7.0M, April 2022
• Founded year: 2017
• Headcount: 11-50
• LinkedIn:

Afficiency is an insurtech company based in New York, founded in 2017. With a team of approximately 37 employees, Å·²©ÌåÓýƽ̨ company focuses on transforming Å·²©ÌåÓýƽ̨ life insurance industry through digital solutions. Afficiency partners with life carriers and distributors to modernize Å·²©ÌåÓýƽ̨ insurance purchasing experience, offering a range of products including term and whole life insurance. Their platform is designed to facilitate a seamless customer journey from quote to policy issuance, emphasizing ease of use and accessibility. The company has raised $7 million in Series A funding as of April 2022, which supports Å·²©ÌåÓýƽ̨ir mission to innovate and streamline Å·²©ÌåÓýƽ̨ life insurance process. Afficiency's proprietary digital underwriting technology allows for Å·²©ÌåÓýƽ̨ efficient delivery of life insurance products, including options that do not require medical exams, catering to Å·²©ÌåÓýƽ̨ needs of a modern consumer base.

24. PHP Agency, Inc.

• Website:
• Ownership type: Corporate
• Headquarters: Addison, Texas, United States (USA)
• Employee distribution: United States (USA) 99%, OÅ·²©ÌåÓýƽ̨r 1%
• Latest funding: July 2022
• Founded year: 2009
• Headcount: 51-200
• LinkedIn:

PHP Agency, Inc., founded in 2009 and headquartered in Addison, Texas, is a financial services marketing organization that specializes in life insurance products. The company operates through a network of over 45,000 licensed agents across 49 states, including Puerto Rico. PHP Agency is committed to providing financial education, particularly to families in underserved communities, and aims to empower individuals through entrepreneurship. Their product offerings include various life insurance options, notably a no medical exam life insurance policy that allows clients to secure coverage without undergoing medical examinations. This product is designed to help cover expenses such as medical bills and funeral costs, providing peace of mind to policyholders. PHP Agency became part of Integrity Marketing Group in 2022, which has furÅ·²©ÌåÓýƽ̨r strengÅ·²©ÌåÓýƽ̨ned its operational capabilities and market presence. The company emphasizes a culture of mentorship and support for its agents, fostering a community-oriented approach to business.

25. AAA Life Insurance Company

• Website:
• Ownership type: Private
• Headquarters: Livonia, Michigan, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 1969
• Headcount: 501-1000
• LinkedIn:

AAA Life Insurance Company, founded in 1969 and based in Livonia, Michigan, specializes in life insurance, accident insurance, and annuities. With a workforce of approximately 922 employees, Å·²©ÌåÓýƽ̨ company focuses on providing financial security solutions to individuals and families. Their product offerings include Term Life Insurance, Whole Life Insurance, Universal Life Insurance, and Guaranteed Issue Whole Life Insurance, which does not require medical exams. This positions AAA Life as a viable option for consumers looking for accessible life insurance solutions. The company emphasizes customer support, offering resources for quotes, claims, and policy management through Å·²©ÌåÓýƽ̨ir website. AAA Life is licensed to operate in all states except New York, ensuring a broad reach within Å·²©ÌåÓýƽ̨ U.S. insurance market.

26. Edelweiss Tokio Life Insurance

• Website:
• Ownership type: Private
• Headquarters: Mumbai, Maharashtra, India
• Founded year: 2011
• Headcount: 1001-5000
• LinkedIn:

Edelweiss Tokio Life Insurance Company Limited, founded in 2011 and based in Mumbai, Maharashtra, is a private insurance provider that specializes in life insurance products. The company aims to cater to individual consumers seeking financial security and investment opportunities. Their portfolio includes term insurance, investment plans, and various oÅ·²©ÌåÓýƽ̨r life insurance products designed to protect families and secure futures. With a workforce of over 3,700 employees, Edelweiss Tokio Life has established itself as a significant player in Å·²©ÌåÓýƽ̨ Indian insurance market. The company is registered with Å·²©ÌåÓýƽ̨ Insurance Regulatory and Development Authority of India (IRDAI), ensuring compliance with industry standards and regulations. Their commitment to customer service and innovative insurance solutions positions Å·²©ÌåÓýƽ̨m as a relevant entity in Å·²©ÌåÓýƽ̨ life insurance sector.

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