With QuickDecisionSM medical underwriting you can receive a decision sooner. We use your answers to health questions online along with data we receive about your from secure data sources, such as prescriptions, motor vehicle, and medical claims data. For many a decision could be provided within a day with typically no medical exam.

No, not all products have the QuickDecisionSM process available.

Yes, membership is required in order to be eligible for any products offered on this page. Some products allow you to apply for coverage for your spouse or family as well, where they do not need to be a member themselves.