No Medical Exam RequiredApply Online
Life Insurance That Actually Gets Found
Every day, we help families file claims. We've seen what happens when there's no policy — or when nobody knew it existed. Your policy lives in your Vault, where your family can always find it.
From $18/mo
Estimated Starting RateNo Exam
Health Questions Only5 Minutes
Entire Online ApplicationGet Your Instant Quote
See your estimated rate in seconds — no email required
Your estimated rate
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Rates shown are estimates only and are not guaranteed. Your actual premium will be determined by the underwriting carrier based on your application and health history. No medical exam required.
Simple Process
How It Works
From quote to coverage in three simple steps. No paperwork, no phone calls, no waiting.
1
Get a Quote
Enter your age, gender, and coverage amount. See your estimated rate instantly — no email or phone number required.
2
Answer Health Questions
Complete a short online application with basic health questions. No medical exam, no lab work, no doctor visits.
3
Get Covered
Many applicants are approved instantly. Once approved, set up payment and your coverage begins. Your policy is stored in your Vault.
Plan Details
Why Choose This Plan
Straightforward coverage designed to protect what matters most.
No Medical Exam
No needles, no labs, no doctor visits. Your application includes health questions used for underwriting — that's it.
Coverage $50K - $500K
Choose the amount that protects your family. Coverage from $50,000 to $500,000 to fit your needs and budget.
Ages 18 - 65
Available to adults ages 18 through 65. Apply online in minutes from anywhere in the United States.
Renews Every 5 Years
Guaranteed renewable at the end of each term — no new application or health questions required.
Flexible Payment Options
Pay monthly, quarterly, or annually. Annual payments save up to 8% on your premium.
Stored in Your Vault
Your policy is automatically stored in your MedaSynq Vault. Your beneficiaries will always be able to find it.
Financial Strength
Your Coverage, Backed by Strength
MedaSynq partners with an A-rated, established carrier so your policy is backed by financial strength you can count on.
A-Rated
AM Best Excellent Rating
130+ Years
Serving Policyholders
Policyholder-Owned
Mutual Company Structure
Common Questions
Frequently Asked Questions
Everything you need to know about 5-year renewable term life insurance.
A 5-year renewable term life insurance policy provides a death benefit to your beneficiaries if you pass away during the 5-year term. At the end of each term, you can renew without a new medical exam or health questions — your coverage continues automatically. Premiums may adjust at renewal based on your age, but you are guaranteed the right to renew regardless of any health changes.
Premiums start as low as $18 per month depending on your age, gender, coverage amount, and tobacco use. For example, a healthy 30-year-old non-smoking female can get $100,000 in coverage for around $10-15 per month. Use the quote calculator above for an estimated rate based on your profile.
No medical exam is required. Your application includes health questions used for underwriting, but there are no needles, no lab work, and no doctor visits. Most applicants receive a decision within minutes based on their answers.
Many applicants are approved instantly after completing the online application, which takes about 5 minutes. In some cases, additional review may take 1-2 business days. Once approved, you set up payment, coverage begins immediately, and your policy is stored in your MedaSynq Vault.
Your policy automatically renews for another 5-year term — no new application or health questions required. Your premium may adjust based on your current age at renewal, but you are guaranteed the right to renew regardless of any changes to your health. You can also cancel at any time if you no longer need coverage.
Yes. You can cancel your policy at any time with no cancellation fees or penalties. Term life insurance has no cash value, so there is nothing to surrender. Simply contact MedaSynq and we'll handle the cancellation for you.
Policies are underwritten and issued by Assurity Life Insurance Company, Lincoln, NE. Assurity has been providing insurance coverage since 1890 and maintains an A- (Excellent) rating from AM Best. Assurity is a mutual company, meaning it is owned by its policyholders, not shareholders.
If you purchased your policy through MedaSynq, it is stored in your Vault where your beneficiaries can always find it. When the time comes, MedaSynq's Claim Assist service handles the entire claims process — filing with the carrier, submitting documents, and following up until payout. There is no upfront cost for Claim Assist; a service fee is only collected after a successful payout.
A common guideline is 10-12 times your annual income. For example, if you earn $50,000 per year, you might consider $500,000 in coverage. You should also factor in outstanding debts (mortgage, car loans, student loans), future education costs for children, and final expenses. Our coverage options range from $50,000 to $500,000.
MedaSynq is a licensed insurance agency that combines insurance purchasing with secure policy storage and claims assistance. When you buy a policy through MedaSynq, it is automatically stored in your Vault so your beneficiaries always know where to find it. If they ever need to file a claim, our Claim Assist service handles the entire process. MedaSynq is not an insurance company — policies are underwritten and issued by our carrier partners.
Protect Your Family Today
Coverage starts at $18/month with no medical exam. Apply online in under 5 minutes and get your policy stored in your Vault where your family can always find it.
Already have policies? Store them in Vault so your family can always find them.
MedaSynq Insurance Services (FL License #L136167) is a licensed insurance agency. Insurance products are underwritten and issued by Assurity Life Insurance Company, Lincoln, NE (AM Best A- Excellent). Product availability, features, and rates vary by state and are subject to underwriting approval.