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Life Insurance Without the Needles

Many Michigan residents qualify for up to $5 million in coverage without a physical medical exam. We use "Accelerated Underwriting" to verify your health data digitally.

What to Expect

No Lab Tests

No blood draws, no urine samples, and no doctor visits for qualified applicants.


Data-Driven Approval

We securely analyze publicly available health and lifestyle data to confirm your eligibility.


Transparent Rates

Skipping the exam doesn't mean higher prices. You get the same competitive rates as traditional policies.


Note: Some applicants may still require an exam based on health history, but our goal is always the path of least resistance.

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If you have additional life insurance needs, want to explore options beyond Banner Life term life, or simply prefer to speak with a licensed Michigan expert first, let's connect.

Free expert advice. No pressure. No obligation.

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Your quote is powered by Banner Life, a Legal & General company with an A+ (Superior) rating from A.M. Best.

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If you have questions or want to explore other Pennsylvania life insurance options, let's connect.

Jonathan Bardram, Licensed Agent. NY License LA890636, Michigan License #8219549, Maine License #PRN229245, New Jersey License #PRN229245, Florida License #W411180, Pennsylvania License #652605, Colorado License #562944.

Life insurance and retirement products are underwritten and issued by Banner Life Insurance Company, Urbana, MD and William Penn Life Insurance Company of New York, Valley Stream, NY. Banner Life products are distributed in 49 states and in D.C. William Penn products are available exclusively in New York; Banner Life is not an authorized New York insurer and does not do business in New York. Each company is solely responsible for its own financial and contractual obligations. Product guarantees are backed by the financial strength and claims paying ability of the issuing company. Policy coverage and features may not be available in all states and may vary by state. Exclusions and limitations may apply. Two-year contestability and suicide provisions apply. A one-year suicide provision applies in CO, MO, and ND