DreamSecure Simple Term · No Exam Required
Life Insurance Without the Wait
DreamSecure Simple Term, launched April 18, 2026, gives you the coverage your family needs without a medical exam. Answer a short health questionnaire online and get an accelerated underwriting decision. Ages 18 to 70.
Start Your Simple Term Application
Answer a short health questionnaire for an accelerated underwriting decision. No SSN, no credit pull, no obligation. Takes about 2 minutes.
Instant Decision
No exam, no waiting. Know your rate in minutes via accelerated underwriting.
$50K to $250K Coverage
Standalone range on this form. Higher bundled limits are set by the carrier, not modeled in the agency product matrix.
Health Questionnaire Only
No blood draws, no doctor visits, just a short set of health questions.
Need More Than $250,000?
This form covers Simple Term standalone ($50,000 to $250,000). Higher bundled limits are carrier-side and not modeled here. For more coverage, ask about Choice Term, which uses full underwriting.
Who Is Simple Term For?
- ✓Young families who want affordable protection now
- ✓Homeowners who want to cover their mortgage balance
- ✓Anyone who has been turned down or delayed by traditional life
- ✓People who want coverage fast, no 6-week approval process
- ✓Ages 18–70 with a straightforward health history
How Simple Term Works
- 1Answer a short health questionnaire, no exam or blood draw required.
- 2Accelerated underwriting delivers an instant decision with your monthly premium.
- 3Choose your coverage ($50K–$250K) and term, 10, 15, 20, or 30 years.
- 4Coverage starts as soon as your first payment is processed.
What Happens on Your Call
The whole process takes about 5 minutes.
- 1
Quick pre-qualification
Our agent asks 4–5 simple health questions to confirm you qualify for accelerated underwriting. No exam, no medical records.
- 2
Coverage + term selection
Choose your coverage amount ($50K–$250K) and term length (10, 15, 20, or 30 years). Your agent will share a monthly rate.
- 3
Application + payment
Your agent completes the application with you in PolicyCenter and takes your first month's payment. You're covered from that moment.
- 4
Confirmation text + email
You'll receive a confirmation text immediately after the call, and a follow-up email once your policy is formally issued, usually within minutes.
Mon–Fri 9 AM–5 PM CT · Licensed in 20 states
Nelson & Associates, Inc. · American Family Insurance Agent
941 Hillwind Rd NE Ste 206, Fridley MN 55432 · Licensed in 20 states