DreamSecure Simple Term · No Exam Required
Life Insurance Without the Wait
DreamSecure Simple Term, launched April 28, 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 18–70.
Instant Decision
No exam, no waiting. Know your rate in minutes via accelerated underwriting.
$50K–$250K Coverage
Up to $750K when bundled with an existing AmFam companion policy.
Health Questionnaire Only
No blood draws, no doctor visits, just a short set of health questions.
Need More Than $250,000?
Simple Term covers up to $250,000 standalone (or $750,000 bundled). For higher coverage , up to $10M+, ask about Choice Term, which uses full underwriting and has no coverage ceiling.
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 11 states
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.
A few basics
No SSN, no credit pull, no obligation.
Nelson & Associates, Inc. · American Family Insurance Agent
941 Hillwind Rd NE Ste 206, Fridley MN 55432 · Licensed in 11 states