Apply entirely online. No blood draws. No nurse visits. Decisions in minutes — not weeks.
Tower Hill's accelerated underwriting platform replaces the traditional exam with smart data — giving you a decision in minutes.
Our guided wizard asks only what underwriting needs. No lengthy forms, no personal doctor visits.
Tower Hill carrier network's system cross-references MIB, Rx history, and MVR in real time — decision in minutes, not weeks.
Once approved and your first payment processes, you're covered. Policy documents arrive by email the same day.
| Aspect | No-Exam (Tower Hill) | Traditional |
|---|---|---|
| Application time | 10–15 minutes online | 60–90 min + nurse visit |
| Exam required | None | Blood draw + urine sample |
| Decision speed | Instant to 3 days | 3–6 weeks |
| Coverage available | Up to $500K | Up to $5M+ |
| Rate difference | Comparable for healthy applicants | May be lower for rated conditions |
Most healthy applicants between ages 18–60 qualify. Tower Hill carrier network's accelerated underwriting uses a digital health questionnaire, MIB report, prescription history, and driving record to make an instant decision — no blood or urine samples required.
Through Tower Hill and Tower Hill carrier network, qualified applicants can get up to $500,000 in term coverage without a physical exam. Coverage amounts up to $1,000,000 are available with full underwriting.
For healthy applicants, no-exam rates are virtually identical to fully underwritten rates because the carrier gathers equivalent information through digital sources. The main benefit is speed and convenience, not cost.
Most applicants receive a decision within minutes of completing the online application. If additional review is needed, it typically completes within 1–3 business days — far faster than the 3–6 week traditional exam process.
If accelerated underwriting doesn't approve you, you may be offered the option to complete a full paramedical exam for coverage. Alternatively, guaranteed issue or simplified issue products may be available depending on your situation.
Yes. Accelerated underwriting is typically available through age 60. Applicants 61–75 may qualify for simplified issue products — a shorter health questionnaire with no exam — for up to $100,000 in coverage.
No doctor visits. No needles. Just a short online application and a decision you can act on today.