• By Allan M Block Blogging Team
  • Posted March 19, 2017

Up To $3MM Of Life Insurance With No Medical Underwriting

Are you looking for additional life insurance coverage…?  Would you like to be able to purchase up to $3,000,000 of permanent life insurance with no medical underwriting…? Sounds too good to be true…?  Well it is not, provided you already have coverage in force.

Many clients today want more life insurance to protect their families and their business interests, but do not want to go through the inconvenience of the full medical underwriting process.  This process can include a lengthy application, full financial disclosure, blood & urine screening, a paramedical exam, an EKG exam, a DMV report, an MIB report and the release of all medical records.  Some clients just do not have the time or the interest to go through this process… others are just plain scared of needles…!  Either way, this protocol which can take many months to complete can be avoided.

The Rapid App program is offered by Guardian Life Insurance Company, one of the highest rated carriers in the industry.  The carrier will match up to 2X the death benefit of any existing life insurance policy that you have purchased in the last (4) years.  The application process is extremely simple and policies are issued in weeks rather than months.

Both Whole Life and Universal Life insurance policies are offered by Guardian.  It is important to note that clients must be between the ages of 20-60 and must have been approved standard or better.  In addition, Disability Waiver of Premium is available. The Disability Waiver of Premium rider, when attached to an eligible life insurance policy, helps you continue your policy’s coverage during disability. It does so by waiving the premiums on a policy when the insured has suffered from a debilitating disability that has lasted for at least six months.

What are the eligibility criteria?

  • Insurance policies must be fully underwritten within the last four (4) years.
  • Program is open to individuals with life insurance policies from an approved carrier list of 99 companies.
  • Policy must not have been issued as a result of reinsurance.
  • Risk class must be standard or better with no flat extras.
  • Insured must be between the ages of 20 and 60.
  • Existing policies must be placed and in force.
  • New contract cannot replace existing policy.

You are never going to be any younger or any healthier than you are right now.  If you have purchased life insurance recently and feel you need more, do not delay.  The Rapid App program is one of the easiest ways to secure permanent life insurance coverage with one of the best carriers in the world.

For more information or answers to your insurance questions, contact us at Allan Block Insurance Agency,, located in Tarrytown, NY in the heart of Westchester County, a key business district near New York City.  We write auto, home, renters, condo, co-op, personal, business, life and group insurance for clients locally and in NYC, CT, NJ, PA, MA and many other states. The Professional Agency with the Personal Touch.